Florida is a no-fault state which means in the event of an accident each drivers’ insurance company will pay their own expenses.  The no-fault insurance covers medical expenses of drivers.  In Florida, drivers are also required to carry PIP, or personal injury protection, insurance of at least $10,000.  This insurance provides benefits to the insured even if they are not the driver of the vehicle, are in another vehicle, or while even walking or riding a bike.  This protection also covers your own injury expenses, funeral expenses and loss of wage expenses.

Q: “What is the minimum amount of auto insurance coverage that I need in Florida?”

Liability policies cover expenses for which a driver is deemed responsible in case of an accident.  The minimum liability coverage in Florida is $10,000 for single occupant driver, $20,000 for more than one occupant, and $10,000 for property damages.  This is also seen as 10/20/10 on insurance policies.  Its important to note that these are minimum amounts, and Florida drivers are urged to carry more.  You will also need the minimum amount of PIP coverage, which is $10,000.  Florida laws also require those with a poor driving record to purchase bodily injury liability coverage.  This type of coverage pays for medical expenses you may cause to another driver in the case of an accident.  If you have to buy this type of coverage, the minimum amount is $10,000 per individual person and $20,000 for all persons involved in the accident.

Compare Florida Car Insurance Rates Online

Florida is the third highest in the national average for auto insurance rates.  It is important to shop around for auto insurance rates and at autoinsurancebystate.com, you can get multiple quotes from the top auto insurance companies just by putting your zip code in.  In less than two minutes you can apply online and get instant quotes.  Just point and click!

Current Providers in Florida

For More Information

Florida Office of Insurance Regulation
200 East Gaines Street
Tallahassee, FL 32399
Phone: (850) 413-3140