Florida Auto Insurance
Florida drivers enjoy auto insurance rates just above the national average however Florida has two things very different than many other states when it comes to car insurance.
- First, Florida is a no-fault car insurance state which means regardless of who is at your fault each person’s insurance company will pay for his/her damages.
- Secondly, Florida is home to possibly the lowest minimum auto insurance requirements in the country however this is NOT a good thing.
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How much Florida auto insurance do you need?
Florida drivers are required to carry at least $10,000 of personal injury protection (PIP insurance) and $10,000 of property damage insurance which means that anyone driving with the bare minimum auto insurance requirements is essentially uninsured with the exception of a minor accident. Even when you lease a vehicle the car leasing company will require at least $100,000 in liability insurance or more yet Florida State will allow you to purchase, tag and drive a vehicle for less than the cost of a night in the ER.
Why Should I buy More Auto Insurance?
Auto insurance laws are prepared only to provide some form of liability protection to other drivers and never to protect your personal property from damage you cause. While its true that states with no-fault car insurance laws certainly reduce the amount of exposure drivers have to nuisance lawsuits you also should have enough auto insurance to limit your exposure to almost any foreseen accident. Almost any car on the road is worth more than $10,000 and even with Florida no fault auto insurance laws there are still plenty of ways for car accident attorneys to sue.
How much is auto insurance in Florida?
Florida DUI Laws
Florida has very strict laws surrounding driving under the influence (DUI) and any driver operating a vehicle with a BAC of 0.08% or higher is subject to arrest. A Florida DUI conviction will not only cost you a lot of money but there are serious repercussions and for drivers with Blood Alcohol Content (BAC) over 0.15% Florida even has a set of enhanced sentencing laws which will make your life even more difficult.
Is Florida a SR-22 State?
Not all states require high risk drivers to file a SR-22 form however Florida does have SR-22 requirements for a wide variety of reasons as imposed by the court. From DUI convictions to operating a vehicle with no insurance to causing damage to another vehicle without enough insurance, Florida courts can impose a SR-22 requirement for many reasons and when this happens you need to find high risk auto insurance which can be much more expensive than the typical good driver coverage most people buy.
Florida Teenage Driver Laws
For drivers who are just getting licensed in Florida the State operates under a Graduated Driver Licensing system for teenage drivers. This system places restrictions on teenage drivers for the first few years of their licensed and allows teen drivers to earn the privilege of a non-restrictive driver’s license. Its important for teenage drivers to drive safe within the Graduated Driver Licensing period as even a minor offense can cause complications to car insurance and teenage auto insurance rates are already high enough!
How much is Florida Auto Insurance per month?
Florida auto insurance rates are very average In fact; a recent study showed that Florida is right next to the national average premium with most drivers paying just under $1,500 in car insurance premiums annually. However the exact cost of Florida auto insurance will obviously depend on your unique profile which includes your driving record, credit history, type of vehicle insured and more.
Where to get the best Florida Auto Insurance Rates?
Auto insurance comparison is the key to finding the best Florida car insurance rates and we can help you get free quotes online and compare many of the auto insurance companies who provide coverage in Florida. From typical good driver coverage to high risk car insurance simply enter your ZIP code and compare auto insurance quotes today!
