Key Takeaways
The laws of each state set the minimum coverage levels for car insurance. But what kind of Florida car insurance you need depends on your wants and those around you. If a driver wants the cheapest car insurance in the state, they should look into basic coverage.
According to Florida's car insurance rules, the following list of things must be covered by your minimum auto insurance:
People in Florida with "minimum coverage" plans usually pay the least for insurance, but their safety is the weakest. If these amounts are insufficient, you can look for a policy with bigger liability limits. If you want more protection, look for a package that includes both collision and comprehensive insurance.
According to Way's research, Travelers has the cheapest basic car insurance rates in Florida, at $2036 per year on average. At an average of $5040 per year, USAA has the lowest state rates for the smallest car insurance coverage. But these rules are only for people who are in the military or who have been in the military and their families.
Please remember that these numbers are just guesses based on what a typical Florida driver pays. They should not be used to compare insurance rates.
Almost all states require certain insurance to drive on the roads. The cap tells you how little insurance you can have and still be legal. You can raise these amounts for a small increase in your premium. Everyone who drives in Florida must have at least $10,000 in liability insurance.
By law, Florida only needs you to have the above insurance amounts. This is why the following coverages are great to add to your insurance policy if you want more protection:
| Coverage type | Pays for |
|---|---|
| Uninsured and underinsured motorist coverage | This type of insurance covers you if you are hit by a driver who doesn't have insurance or doesn't have enough insurance. |
| Collision insurance | This coverage takes over if your car is damaged in an accident with another car or item (other than an animal). |
| Comprehensive insurance | This type of insurance covers your vehicle against damage that doesn't occur in an accident. This includes risks like being robbed, hurt by the weather, or hitting an animal. When you buy comprehensive and accident coverage together, it's usually called "full coverage." Some lenders or lien holders may require these coverages if you are getting a loan to pay for your car. |
| Medical payments coverage | If you and your passengers get hurt in a car accident, this policy will help pay for your medical bills and other costs. |
| Roadside assistance | If you get stuck on the side of the road, this service will come to your aid. The specifics of the coverage vary from company to company. However, in general, roadside help will fix a flat tire, jump-start a dead battery, and pay for a tow to a nearby garage, among other things. |
| Bodily injury liability | This type of insurance helps pay for the medical bills of people hurt because of an accident you caused. Most states require you to have this coverage, and because Florida only requires a small amount of PIP coverage, it may be a good idea to get it. |
Florida's car insurance requirements are low, which leaves a lot of drivers with little or no coverage vulnerable financially.
If you're at fault in a crash totaling one or more cars, $10,000 in property damage liability coverage won't cover it. It's usually a good idea to raise your property damage liability limit when possible. This is because Florida has one of the country's highest numbers of luxury cars and electric vehicles.
You might also want to add liability protection for injuries to other people. This covers other people's medical bills if you hurt them in an accident and the costs exceed the $10,000 PIP cap. If you don't have this type of coverage, you'll probably have to pay for any costs that go over the PIP cap, plus your lawyer's fees if you get sued.
Florida is a "no-fault" state. This means that all motor vehicle drivers must have at least the basic coverage. Penalties, fines, and other effects will happen if you don't follow the rules.
| Reinstatement fee | Other Penalties | |
|---|---|---|
| 1st offense | $150 | Driver's license and registration suspended for up to three years. |
| 2nd offense | $250 | Driver's license and registration suspended for up to three years. |
| 3rd offense | $500 | Driver's license and registration suspended for up to three years. |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
No, driving without insurance in Florida is illegal and carries serious consequences.
You'll face fines, license suspension, and potential lawsuits if caught.
Update your insurance within 30 days of moving to Florida.
Yes, you can be sued after an accident, regardless of fault.
No, you don't need insurance to register your car, but you need it to drive it legally.
Basic insurance covers liability and personal injury protection (PIP).
Insurance usually follows the car, not the driver.
No, you need a valid driver's license to get car insurance.
Florida is a no-fault state, which means your insurance covers your injuries first.
Yes, Florida requires uninsured motorist insurance to protect you from uninsured drivers.
Yes, Florida allows for diminished value compensation in some cases.
DUIs typically result in higher insurance rates and possible policy cancellations.
A CARCO inspection is mandatory for rebuilt or salvaged vehicles in Florida.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
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