In addition to breathtaking beaches and world-famous art deco buildings, Florida is jam-packed with drivers! In 2024, the Department of Florida Highway Safety and Motor Vehicles stated that there are well over 18 million licensed drivers in the Sunshine State. With so many cars on the road, every Florida driver needs to take responsibility for their auto insurance needs. It’s understandable if you’ve ever felt overwhelmed when searching for auto insurance quotes in Florida. Do not worry! Infinity Insurance Agency, Inc. (IIA) is here to help you break down the process.
To drive legally in Florida, you will need a license and personal auto insurance. Beyond legal repercussions, driving without adequate coverage can leave you financially vulnerable if you are involved in an accident. Securing proper coverage can offer financial support for injuries and damages. IIA can work with you to obtain a policy that fits your needs and the Florida state requirements.
Auto insurance requirements in Florida
New to the Sunshine State, or curious about Florida auto insurance requirements? In the state of Florida, you are required at minimum to show proof of both property damage liability (PDL) and personal injury protection (PIP) insurance from an auto insurance company licensed in Florida. The minimum coverage amounts are as follows:
- A minimum of $10,000 in PIP coverage
- A minimum of $10,000 in PDL coverage
While both bodily injury liability and uninsured/underinsured motorist coverage are considered optional in Florida, it is advisable to consider these coverages depending on your auto insurance needs and financial situation. Remember that bodily injury liability is often the costliest aspect of a car insurance claim.
If you are leasing or financing a vehicle it can also be helpful to explore comprehensive auto coverage which helps cover damage to the vehicle caused by something other than a collision or full coverage insurance which generally includes collision, comprehensive, and bodily liability insurance. These additional options can offer enhanced coverage and financial flexibility in the event of a covered loss. It may make sense to pursue full coverage or comprehensive insurance if you are not sure you can afford to pay for the damage or repairs needed after an accident.
Driving without proof of insurance
Driving without the mandated minimum insurance in Florida can result in significant fines and even the loss of driving privileges:
- First offense - $150 reinstatement fee plus license and registration suspension of up to 3 years. *
- Second offense - $250 reinstatement fee if lapse occurs within 3 years of first offense, plus license and registration suspension of up to 3 years.
- Third offense - $500 reinstatement fee if lapse occurs within 3 years of first offense, plus license and registration suspension of up to 3 years.
*Unless proof of insurance is provided in time.
Drivers who are uninsured and involved in a serious accident may also be required to obtain an SR-22 certificate. IIA can work with drivers who need this document and support them in acquiring the necessary coverage post-accident. After your accident, you could be required to seek out additional coverage such as bodily injury liability on top of the required minimum of property damage and personal injury protection coverage.
If you are ready to explore options for PIP, collision, comprehensive coverage with IIA, or receive a personal auto quote call, 1-855-478-3705.
Is Florida considered a no-fault state?
Yes, Florida is considered a no-fault state for auto accidents. This means that each person is responsible for their own accident expenses. However, an accident victim may sue a person who is at fault for the accident if their accident expenses exceed their insurance limits. This is why it is a good idea to consider full coverage or limits higher than the minimum required by the state.
How much does auto insurance cost in Florida?
Whether you live in Miami or Jacksonville, rising costs have affected everyone in the Sunshine State. While it may be difficult to find cheap auto insurance in Florida, affordable coverage does exist. Many factors go into determining your coverage rate in Florida including:
- The year, make, and model of your vehicle
- Your driving history and annual mileage
- Your zip code
It is not uncommon for younger drivers with less experience to pay higher premiums, or for drivers living in urban areas to pay more.
Ready to discover what Infinity Insurance Agency can do for you? Reach out to our dedicated team at 1-855-478-3705 for a free estimate today!
Why Choose Infinity Insurance Agency?
Affordable rates and discounts: We offer competitive prices and a variety of discounts to help you save more on your car insurance.
Flexibility: Whether you have a foreign license, matricula consular, or need an SR-22, we can help “hard-to-insure” customers navigate coverage.
Spanish bilingual agents: Our friendly and highly trained agents are bilingual, ensuring you receive exceptional service in both English and Spanish.
Customized coverage: From state minimum requirements to full coverage policies, we offer flexible options to help you find a policy that fits your needs.