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Florida Car Insurance

Florida car insurance laws cover two main areas:  No Fault Law and Financial Responsibility Law.  These two laws protect you as a Florida driver and hold you accountable for accidents. You can only get auto insurance coverage from companies licensed by the Florida Department of Insurance.

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Minimum Florida Car Insurance Coverage

The No Fault Law for Florida car insurance was set up to help lower the cost of insurance by keeping small claims out of the court system. The minimum coverage required by Florida auto insurance law is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL.) 

Personal injury protection (PIP) is coverage for medical expenses for you and your passengers if your vehicle is involved in an accident (fault or no fault.)

Property damage liability (PDL) is coverage for damages you or family members cause to another one’s property as a result of a car accident.

There are more Florida car insurance coverage options you should consider for further protection.

Required Auto Insurance
The Financial Responsibility Law requires vehicle owners and drivers to be responsible for their financial damages.  A Florida driver may be required to get Bodily Injury Liability (BIL) if they are in an accident. 

Other reasons drivers are required to get BIL coverage are:

  • Drivers license is suspended because of too many points
  • Receive a DUI citation resulting in drives license revocation
  • Considered a Habitual Traffic Offender
  • Receive a serious offense resulting in revocation

Optional Florida Auto Insurance

If you want more financial protection than what PIP offers, you can get additional car insurance coverage called Bodily Injury Liability (BIL.)  Bodily injury liability pays for serious injuries or death caused to others as a result of your vehicle. 

Insurance Rates Around Florida

How much you pay for car insurance depends on many factors:  driving record, where you live, how far you drive to work, your age, type of car, and other variables.

Depending on where you live is a big factor on determining Florida auto insurance rates.  Car insurance is typically discounted in less populated counties and more rural areas.  All other factors being equal, a driver living in Martin County will lower car insurance rate than someone living in Broward County.

It’s important to shop around to get the best Florida car insurance rates.  Rates can change from year to year so if you find your auto insurance rate has gone up or you want to see if there’s better rates, you can easily compare rates online.

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