Florida Minimum Insurance Requirements

Florida State Minimum Auto Insurance Requirements:

Personal Injury Protection (PIP): When registering a vehicle with at least four wheels in Florida, you must show proof of PIP coverage. PIP covers 80% of necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, regardless of who caused the crash.
Property Damage Liability (PDL): PDL coverage pays for damage to another person’s property caused by you or someone else driving your insured vehicle. You must have a minimum of $10,000 in both PIP and PDL.
Continuous Coverage: Even if your vehicle is not being driven or is inoperable, you must maintain continuous insurance coverage.
Taxis: Vehicles registered as taxis must carry bodily injury liability (BIL) coverage of $125,000 per person, $250,000 per occurrence, and $50,000 for PDL coverage.
Non-Resident and Moving Out of State: If you’re a non-resident accepting employment or enrolling children in a Florida public school, you must obtain Florida registration and insurance within 10 days.

Florida State Minimum Motorcycle Insurance Requirements:

Bodily Injury Liability (BIL): Motorcycles must carry BIL coverage of $30,000 per person and $60,000 per occurrence.
Property Damage Liability (PDL): PDL coverage of $10,000 is required.

Florida State Minimum Boat Insurance Requirements:

Liability Coverage: While Florida doesn’t mandate boat insurance, liability coverage is essential. It protects you if you cause damage to someone else’s property or injure someone while operating your boat.

Florida State Minimum RV Insurance Requirements:

Liability Coverage: Similar to boats, RVs don’t have specific state requirements, but liability coverage is crucial. It covers property damage and bodily injury caused by your RV.

Five Local Insurance Agencies in Florida:

Professional Insurance Services:
- Location: 13907 Carrollwood Village Run, Tampa, FL 33618
- Services: Full-service independent agency offering individual and business insurance products.
- Contact: (813) 963-6701
- Website: Professional Insurance Services
Leavell Insurance:
- Location: 11211 Spring Hill Dr, Spring Hill, FL 34609
- Services: Independent agency providing business, home, car, life, and RV insurance.
- Contact: (352) 684-4941
- Website: Leavell Insurance
The Bascom Agency, LLC: Allstate Insurance:
- Location: 418 Teague Trl, Lady Lake, FL 32159
- Services: Retired professional baseball player offering insurance services.
- Contact: (352) 753-1177
- Website: The Bascom Agency, LLC
Nature Coast Insurance Agency:
- Location: 213 S Apopka Ave, Inverness, FL 34452
- Services: Specializes in home, auto, mobile home, business, and commercial auto insurance.
- Contact: (352) 341-0040
- Website: Nature Coast Insurance Agency
GreatFlorida Insurance® (Multiple Locations):
- Services: A network of independent, franchised insurance agents throughout Florida.
- Contact: 888.478.7801
- Find an agent near you: GreatFlorida Insurance Agent Search

Remember to choose an insurance agency that best suits your needs and provides the coverage you require. Stay protected on Florida’s roads, waterways, and beyond! 🚗🚤🏍️

Florida Auto Insurance Laws and Regulations

1. Minimum Liability Coverage

In Florida, drivers must carry a minimum of 10/20/10 of auto insurance to legally drive a vehicle. State minimum car insurance is the minimum liability coverage your state requires. It covers the accidental bodily injury and property damage you cause to others. However, it does not cover damage to your car or your injuries.

Here’s what the numbers mean:

Bodily Injury Liability:
- $10,000 per person: This covers injuries to a single person in an accident.
- $20,000 per accident: If multiple people are injured, this limit applies.
Property Damage Liability:
- $10,000 per accident: Covers damage to another person’s property caused by you.

Remember that while these are the minimum limits, you can choose to increase them for better protection. Florida’s car insurance laws aim to ensure that everyone involved in an accident has necessary coverage1.

2. Uninsured and Underinsured Motorist Coverage

Florida also requires drivers to carry uninsured motorist (UM) coverage. UM compensates policyholders when another driver who is at fault for the accident has no auto liability insurance or is a hit-and-run driver. Additionally, Florida mandates underinsured motorist (UIM) coverage, which compensates you when the at-fault driver has insufficient auto liability insurance1.

3. Penalties for Driving Without Insurance

Driving without minimum car insurance in Florida can result in hefty fines. The state requires every driver to have minimum car insurance coverage to ensure that in case of an accident, everyone involved will have the necessary protection. Here’s what can happen if you drive without minimum insurance in Florida:

Your driving privilege and license plate may be suspended for up to three years.
There are no provisions for a temporary or hardship driver license for insurance-related suspensions.
To avoid suspension and reinstatement fees, turn in your license plate at your nearest driver license office or motor vehicle service center before canceling your insurance1.

Additional Resources

For more detailed information, explore these official sources:

Remember to consult a licensed insurance agent to tailor your coverage to your specific needs. Safe travels on Florida roads! 🛣️🌟

If you are a driver in Florida, you need to have auto insurance to protect yourself and others in case of an accident. However, finding the right policy can be challenging, especially with so many options and factors to consider. In this blog post, we will explain the state minimum auto insurance in Florida and the local rates as well as the different types of auto insurance coverage.

State minimum auto insurance in Florida

Florida is a no-fault state, which means that each driver's own insurance pays for their medical expenses and lost wages after an accident, regardless of who caused it. This also means that Florida requires every driver to carry personal injury protection (PIP) and property damage liability (PDL) insurance.

According to the Florida Department of Highway Safety and Motor Vehicles, the minimum amounts of PIP and PDL coverage are:

- $10,000 for PIP, which covers 80% of your medical bills and 60% of your lost income up to the limit, regardless of fault.

- $10,000 for PDL, which covers the damage you cause to other people's property, such as their vehicles or buildings.

These are the minimum amounts required by law, but they may not be enough to cover all the costs of a serious accident. If you are sued by another driver or a third party for injuries or damages that exceed your PDL limit, you will have to pay out of your own pocket. That's why it's advisable to consider higher limits or additional coverage options.

Local rates of auto insurance in Florida

The average cost of car insurance in Florida for a full coverage policy is $3,183 per year, and minimum coverage costs an average of $1,128 per year. Compared to the 2023 national average of $1,674 per year for full coverage and $565 per year for minimum coverage, Florida is one of the most expensive states for car insurance.

However, these are only averages and your actual rate will depend on many factors, such as your age, driving history, credit score, vehicle type, location and more. For example, according to The Zebra, a 30-year-old single male driver with a Honda Accord and full coverage would pay an average of $2,026 per year with Travelers, which is the cheapest major car insurance company in Florida. However, if he had an at-fault accident or a DUI on his record, his rate would increase to $3,240 or $3,456 per year respectively with the same company.

To get an idea of how much car insurance costs in different locations in Florida, we looked at some sample rates from two local agencies: Killingsworth Insurance and ISU Bauknight Insurance. These rates are based on a 40-year-old married female driver with a 2017 Toyota Camry and full coverage. Here are the results:

- Killingsworth Insurance: $2,040 per year ($170 per month) for Hernando County

- ISU Bauknight Insurance: $1,920 per year ($160 per month) for Spring Hill

As you can see, there is some variation in rates depending on where you live and which company you choose. That's why it's important to shop around and compare quotes from multiple insurers before buying a policy.

Different types of auto insurance coverage

Besides PIP and PDL, there are other types of auto insurance coverage that you may want to consider adding to your policy for more protection. Here are some common ones:

- Bodily injury liability (BIL): This covers the medical expenses and lost wages of other people who are injured by your fault in an accident. It also pays for your legal fees if you are sued. Unlike PDL, BIL is not mandatory in Florida unless you have been convicted of a DUI or caused a serious injury or death in an accident. However, it is highly recommended to have it because Florida has a high rate of uninsured drivers (20.4% in 2019) who may not be able to pay for your damages if they are at fault.

- Collision: This covers the damage to your own vehicle caused by a collision with another vehicle or object. It is usually required if you have a loan or lease on your vehicle.

- Comprehensive: This covers the damage to your own vehicle caused by events other than collision, such as fire, theft, vandalism or natural disasters. It is also usually required if you have a loan or lease on your vehicle.

- Uninsured/underinsured motorist (UM