Auto Insurance Laws and Quotes In Florida Secrets You Never Knew


Wherever you live, if you own or drive a car, you have to buy auto insurance, which is mandatory by law. If you live in Florida, it is better to know the local laws regarding auto insurance ahead of buying an insurance coverage. This is because the auto insurance laws vary from State to State and from country to country. You should also be aware of fines and punishments to be imposed by law if you fail to buy an auto insurance. There are even some financial responsibilities to own or lease a car, about which you should understand before buying a vehicle.

Florida Auto Insurance Laws:

According to Florida auto insurance laws, the minimum liability coverage required are as follows.

● Personal liability of $10,000 for a single person injured by you in an accident
● Liability of $20,000 coverage for all persons injured in an accident to which you are responsible
● Liability of $10,000 coverage for property damage including the other driver's car
● In addition to the above, you are required to buy personal injury protection of $10,000, which will cover medical expenses or funeral expenses for you and your passengers in an accident.

These are the basic Florida auto insurance requirements and if you consider that the above liability is enough, you can drive legally in Florida. Further, Florida is a no-fault State. This means that your medical expenses will be met by your own insurer, if you are injured in an accident regardless of the fact who is responsible for the accident. However, it is good to buy insurance coverage that is more higher than the minimum liability and this is because if you are responsible for big and nasty accidents, injuring many people or causing damage in a big way, the compensation you have to meet from your pocket will be highly expensive.

Personal Injury Protection (PIP):

PIP is mandated by Florida motor vehicle no fault auto insurance law. The insured and all resident relatives are covered under PIP. This covers medical benefits, disability benefits and death benefits. Total amount payable under PIP is $10,000, the amount of death benefits payable being $5000. PIP will pay 80% of the amount incurred due to a covered injury and disability benefits will pay 60% of the loss of wages incurred due to a covered injury.

Florida auto insurance laws allows a deductible of not more than $1000 for PIP coverage. It is optional to choose deductibles and if you opt for deductible, it will lower your insurance premium rates. Work loss exclusion is also admissible under the law and if you opt for this, you will receive no benefits from lost wages due to a covered injury. Failure to avail PIP will result in suspension of driving license.

Bodily Injury Liability Coverage:

In Florida, bodily injury liability is required for certain drivers. Those drivers, who have previous accident records or traffic violations are required to buy this type of insurance coverage. This coverage helps to compensate the expenses on serious or permanent injury or death to others in an accident caused by you. Bodily injury liability, which carries a liability of 10/20 and this will pay out $10,000 per injuries, you cause to other person but not more than $20,000 in totality.

SR-22 and FR-44 Policies of Florida:

You may be required to carry extra insurance coverage types and limits to meet Florida's financial responsibility law on two occasions. One such situation is when you cause serious accident and the second one is when you are caught driving the car in an inebriated condition.

If you are responsible for an accident in which someone is killed or seriously hurt, then you will be asked to file a SR-22, which is also called as the certificate of financial responsibility. Under this, you have to buy bodily injury liability coverage in addition to PDL and PIP coverage. The requirements under SR-22 are as given below.

Bodily injury and property damage: The required coverage would be 10/20/10 split limit or $30,000 per single crash. The parts of 10/20/10 refers to a maximum of $10,000 of PIP per person in an accident, upto $20,000 limit for other injured people in an accident and $10,000 for other property damage including the vehicle repairs of other people involved in the accident. Further personal injury protection to a limit of $10,000 is also necessary.

Florida has imposed special rule and under this rule, if some driver is caught driving under the influence of alcohol or drugs, he or she will have to meet FR-44 insurance standards. This means you have to buy ten times the liability limit of a FR-22 certificate on the top of the no-fault insurance requirement. The coverage limits under FR-44 are

● Bodily injury-$100,000 per injured person or $300,000 for two or more injured people per accident
● Property damage liability-$50,000 per accident
● Personal injury protection-$10,000 per accident.

Apart from the above coverage, there are some optional coverage such as collision, comprehensive, uninsured/underinsured, medical payments, roadside assistance and more.

Auto Insurance Quotes in Florida:

By using the search engines of the websites, and using the keyword “budget friendly auto insurance quotes” you will be able to get auto insurance quotes Florida. Most websites of the reputed auto insurance companies will provide you a free auto insurance Florida quotes and you can compare them and select the best one that suits your needs. This process is usually accomplished by encoding your zip code in the relevant field.

By going online, you can easily get Florida auto insurance quotes and this will save your time and money. In addition, there are comparison websites through which you will be able to compare the quotes of several companies for comparison purposes. You can finally come to a decision regarding the coverage and prices of insurance quotes that suits your requirements and budgets.


There are a plenty of auto insurance companies, which are dedicated to serve you in a better way. After deciding your right coverage, it is up to you to select the best company that suits you in all aspects. Get auto insurance and drive freely on the roads of Florida.