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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 AgentsJacksonville Car Insurance | Miami Car Insurance | Tampa Car Insurance | Orlando Car Insurance | Hialeah Car Insurance | Tallahassee Car Insurance | Port St. Lucie Car Insurance | Fort Lauderdale Car Insurance | Cape Coral Car Insurance | Pembroke Pines Car Insurance | Hollywood Car Insurance | Miramar Car Insurance | Gainesville Car Insurance | Coral Springs Car Insurance | Miami Gardens Car Insurance | Clearwater Car Insurance | Palm Bay Car Insurance | Pompano Beach Car Insurance