Florida Licensing and Driver Guide
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Florida Auto Insurance Requirements
If you own a vehicle that you use in Florida more than 90 days a year, you must have auto insurance issued in Florida. The minimum coverage requirements are:
Personal injury protection: $10,000
Property damage: $10,000
If you don’t know how these numbers relate to your insurance, check out our liability coverage page.
Bodily Injury Liability, uninsured motorist coverage, comprehensive coverage, medical payments, and collision insurance are not required by law; however, these supplemental coverages may be beneficial.
Florida’s personal injury protection requirement is the lowest in the country, so you may want to choose coverage levels that are higher than the minimum. An accident may cost far more than the minimum pays for – medical and legal bills, plus damage to yourself or your car may be more expensive than your insurance can handle. Be sure to check out our resources page for more details on your options.
Florida Insurance Discounts
Did you know you could save money on your Florida car insurance through your employer, your university or your membership in an organization? Various Florida companies and institutions offer affinity group discounts with one or more major insurance companies. If you’re an employee or a member of a participating organization, you may qualify.
Florida Insurance Penalties
Failure to meet the minimum requirements for Florida may result in an array of penalties, including:
- Suspension of driving privilege, including registration and license plates, for up to three years (or until proof of insurance is provided.)
- A reinstatement fee of $150 to $500, depending on the number of violations.
Florida Driver’s Guide
Read our Florida Car Registration and Licensing guide to learn what steps you need to take when getting a Florida driver’s license, registering your car, and more.