It’s not all sunshine and amusement parks in Florida; in fact, the southeasternmost state is renowned for costly car insurance coverage that can take a chunk out of your bank account.
But not on our watch. Keep reading for everything you need to know about car insurance in Florida, from minimum coverage to cost, coverage options to money-saving tips, and more.
Let’s dive in.
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It might surprise you to learn that there’s a minimum amount of car insurance you need to carry in order to get behind the wheel. The minimum amount varies by state, but it generally protects the other driver from medical costs and property damage in an accident you cause.
Florida is a no-fault state, which means insurance works a little differently. The minimum amount of car insurance needed in Florida includes:
While you’re not required to have bodily injury protection, which protects the other driver from medical costs and you from legal damages if they sue, you do need to prove that you can pay for damages you cause in an accident. Car insurance is an easy way to do this, but you can also file a self-insurance certificate showing your high net worth.
If you cause an accident and can’t pay for the damages, you could see harsh penalties in the form of an SR-22, a suspended license, fines, and more.
You will also get offered uninsured motorist protection coverage, but you can decline this coverage in writing.
The best car insurance will meet your coverage needs, give you peace of mind, and work within your budget. This means that it’s different for every driver. You have options when it comes to your coverage, but the number of coverage types can easily overwhelm any consumer.
Let’s quickly review your coverage options in Florida:
Want more info? Click here for even more details on your coverage options.
You will often hear of full coverage, which means liability, comprehensive, and collision on one policy. It’s always a good idea to get more than the minimum amount of coverage, even if that’s just higher coverage limits or one or two additional coverage types.
We know that cost will always be a factor, so let’s explore the cost of auto insurance in Florida next.
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We have good news and bad news for you, Floridians. The bad news? Florida is one of the most expensive states for car insurance.
Whether it’s the high frequency of hurricanes that leads to more property damage, the high number of uninsured drivers on the road, or the simple population density that leads to a higher risk of accidents, the fact of the matter is that you’re going to pay more for car insurance than in other states. Another factor is that Florida is one of the more dangerous states to drive in, so drivers, stay alert and cautious on the road.
The good news? Affordable car insurance is possible, even in the Sunshine State.
First, let’s cover the numbers. The average cost of minimum car insurance coverage in Florida will set you back $1,006 per year, while full coverage clocks in at $3,605 per year on average.
Of course, these numbers can be higher or lower depending on a number of factors. Your rates are based on your individual details, including:
For example, a teen driver with no experience will pay more than an experienced mature driver, and a driver that commutes an hour each way every day pays more than someone who only uses their car on weekends.
If the average car insurance costs have you working up a sweat (an easy thing to do in Florida’s humidity!), then it’s time to cool off with some helpful tips on how to get cheap car insurance in Florida.
More on that next.
You might live in (or be relocating to) one of the most expensive states in the country for car insurance. But that doesn’t mean you’re stuck up a creek without a paddle. Affordable car insurance is more than possible, even in the Sunshine State.
Your first stop is getting access to free quotes, fast by clicking here. You’ll cut down your research time and be on your way to getting great coverage at a rate you like, and did we mention it was easy?
We’ve got you covered.
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Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
