Florida Car Insurance

Searching for the best insurance coverage in Florida begins with knowing the basic principles. Our site offers state by state resources to help inform our users on rules and regulations to help them make their insurance shopping experience a good one. You can also get multiple car insurance rates by using our car insurance quote form.

Interested in home insurance? Read our Florida Homeowner's Insurance guide.

Car Insurance Coverage

Minimum Florida Car Insurance Requirements
Personal Injury Protection $10,000 Limit
Property Damage Liability $10,000 Limit

Florida doesn't require its drivers to maintain bodily injury coverage but many insurance companies will not sell a policy without minimum bodily injury limits. Under the Financial Responsibility Law, if a driver is held to be at fault in an accident that results in bodily injury or property damage must have full liability coverage. Specifically, the law requires that any person have liability coverage at the time of the following:

  • A crash where you are at fault and injuries have occurred.
  • A suspension for too many points against your driver license.
  • A citation for DUI, which results in a revocation.
  • A revocation for Habitual Traffic Offender.
  • A revocation for any serious offense where this department is required to revoke your license.

Below are Florida's minimum requirements under the Financial Responsibility Law:

Minimum Florida Bodily Injury Requirements
Bodily injury liability for one person $10,000
Bodily injury liability for two or more people $20,000
Property damage liability $10,000
Combined single limits $30,000

Florida Car Insurance Regulations & Required Coverage

Most Stolen Vehicles in Florida (2008)
Source: NICB
1. 2000 Honda Civic
2. 1996 Honda Accord
3. 1990 Toyota Camry
4. 2006 Ford F150 Pickup
5. 2004 Dodge Ram Pickup
6. 2008 Nissan Altima
7. 2000 Dodge Caravan
8. 2007 Toyota Corolla
9. 1995 Nissan Maxima
10. 1996 Jeep Cherokee/Grand Cherokee

View the most stolen vehicles in Florida for other years or view the most stolen vehicles in the U.S.

Important Contact Information

Florida Department of Insurance
200 East Gaines Street
Tallahassee, FL 32399-4288
Phone: (877) 693-5236
Website

Florida DMV
Neil Kirkman Building
2900 Apalachee Parkway
Tallahassee, FL 32399-0500
Phone: (850) 617-2000
Website

Interested in health insurance? Read our Florida Health Insurance guide.

Insurance Guides for Nearby States

Florida Insurance Agents

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