Florida Car Insurance Requirements
Florida operates under a no-fault insurance system. This means your own auto insurance policy pays certain medical expenses regardless of who caused the accident.
Minimum Required Auto Insurance in Florida
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$10,000 Personal Injury Protection (PIP)
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$10,000 Property Damage Liability (PDL)
What Personal Injury Protection (PIP) Covers
What Property Damage Liability (PDL) Covers
While Bodily Injury Liability is not mandatory for most drivers, it is strongly recommended for financial protection. Drivers with DUI convictions are typically required to carry FR-44 insurance with significantly higher liability limits.
📞 Questions about Florida auto insurance laws? Call 833-730-3030.
Why Florida Auto Insurance Rates Vary
Car insurance Florida drivers purchase is influenced by:
Cities such as Miami, Orlando, Tampa, and Jacksonville often experience higher claim frequency. Comparing multiple carriers is essential for securing competitive Florida auto insurance quotes.
👉 Compare car insurance Florida rates now by clicking the Get a Quote button.
Full Coverage Auto Insurance in Florida
Many drivers choose more than the state minimum. Full coverage auto insurance typically includes:
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Bodily Injury Liability
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Uninsured / Underinsured Motorist Coverage
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Comprehensive Coverage (hurricane, flood, theft protection)
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Collision Coverage
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Rental Reimbursement
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Roadside Assistance
Comprehensive coverage is especially important in Florida due to hurricane exposure, flooding, and wind damage.
Florida SR-22 Insurance
If your license has been suspended due to certain violations, you may need an SR-22 certificate filed with the state.
We help drivers:
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Secure compliant SR-22 insurance
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File required documentation electronically
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Reinstate driving privileges quickly
📞 Call 833-730-3030 for immediate SR-22 assistance.
Florida FR-44 Insurance (DUI Required Coverage)
Drivers convicted of DUI are typically required to carry FR-44 insurance with higher liability limits:
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$100,000 Bodily Injury per person
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$300,000 Bodily Injury per accident
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$50,000 Property Damage
We help drivers obtain FR-44 insurance quickly so they can restore compliance and move forward.
