Florida is the “Sunshine State” of America. And many of its residents view that sunshine from their car: the state has 14.6 million licensed drivers stretching from Northwest Florida down Ernest Hemingway’s old stomping grounds in Key West.
If you’re going to be driving around Florida, it’s important to get the right car insurance. But how can you know you’ve found the right insurance if you don’t know all the facts? Our guide will help you learn more about general car insurance and the different types of insurance that will keep you safe as you drive these sunny roads.
- Average premiums for full coverage in Florida: $3,230.
- Average premiums for the legal minimum in Florida: $2,361.
- Florida does not mandate good driver discounts for qualified drivers, but offers are typically available through your carrier.
- The legal minimum coverage is liability coverage with $10,000 for personal injury protection and $10,000 for property damage liability.
- Florida is a no-fault state.
- With 200,000 reported car accidents reported each year, Florida is not the most dangerous state to drive in.
- 20.4% of its drivers are on the road without insurance.
Is There a Good Driver Discount in Florida?
Being a good driver is often its own reward because it helps you qualify for good driver discounts. But the nature of these discounts varies from state to state. And that brings us to the question: Is there a good driver discount in Florida?
The answer is both yes and no. While the state does not have any officially mandated good driver discounts, insurance companies throughout Florida typically offer discounts for good driving as well as other positive habits.
Drivers with clean records can usually get a discount ranging from 10% to 30% off the typical cost. Those who install certain safety features (including daytime running lights, multiple airbags, and anti-lock brakes) can net you a discount of up to 30%. On a related note, installing certain anti-theft devices may result in a discount of up to 25%.
A more modern option offered by some carriers includes the driver consenting to devices or apps monitoring their driving behavior, with safe drivers able to get a discount of up to 30%. We recommend that you ask multiple carriers about the discounts they offer before you finalize your decision.
Florida Car Insurance Laws
Most of Florida’s car insurance laws are fairly straightforward. Below, our guide will walk you through things like mandatory car insurance requirements, penalties for driving without insurance, and when you are required to report an accident to the authorities.
Be sure to study these sections carefully. It’s easy to violate Florida insurance law if you don’t know all of the specifics. And in Florida, like any other state, ignorance of the law will not serve as a good defense in court!
What Are the Mandatory Car Insurance Requirements in Florida?
Like most states, Florida’s minimum required insurance is liability insurance. If you don’t already know, the purpose of liability insurance is to pay for personal injury and/or property damage that you cause if you are found to be liable for a car accident. While you can add comprehensive and collision insurance to better protect your car, only liability insurance will cover potential damage that you cause to property and to other people.
Minimum Liability Insurance Requirements for Private Passenger Vehicles in Florida:
- $10,000 for personal injury protection
- $10,000 for property damage liability
What Factors Does Florida Law Allow in Determining Your Premiums?
It’s one thing to know what the average cost of car insurance premiums is in Florida. However, many drivers are naturally curious about another question: How are these premiums actually determined?
The truth is that everybody’s insurance policy is unique. And to determine your exact premium, Florida relies on common data points insurance providers use throughout the country:
- Credit score
- Education & occupation
- Marital status
- Car type
- Driving history
How Many Uninsured/Underinsured Motorists Are in Florida?
One of the biggest threats to you while driving in Florida comes from uninsured and underinsured motorists. If you are struck by one of these drivers, and they do not have sufficient insurance coverage, then you may be stuck paying a hefty bill.
Unfortunately, the threat of uninsured drivers is very real in Florida. An estimated 20.4% of Florida’s drivers are uninsured, which is one of the highest rates in the country!
If you plan on driving in Florida, we recommend that you research Uninsured Motorist Insurance to help protect yourself from these uninsured drivers.
FAQs About Florida Car Insurance
It’s easy to discuss buying comprehensive car insurance when you have a lot of disposable income. But what can you do about getting car insurance in Florida when you are a low-income driver?
Unfortunately, the state doesn’t offer any specific programs to help low-income drivers pay for their insurance. In a pinch, you can always save money by getting only the minimum amount of insurance required by the state.
Generally, the best bet for low-income drivers is to contact multiple insurance carriers and get as many quotes as possible. By taking a little extra time to do this research, low-income drivers can find the sweet spot between the coverage they desire and the coverage they can afford.
Florida has more undocumented workers than many other states. These workers still need to drive from place to place, especially with the lack of decent public transportation in the south. And that brings us to an important question: Can undocumented workers get car insurance in Florida?
The short answer is no. While there are 15 states (plus Washington, D.C.) that allow undocumented workers to get car insurance, Florida is not one of them.
If you are convicted of a DUI while driving in Florida, you probably have questions concerning your insurance. And the most basic question is simply this: Is it still possible to get insurance?
If you are currently in this situation, then we have some good news and some bad news. The good news is that it is still possible to get car insurance in Florida after being convicted of a DUI. The bad news is that the only kind of insurance you can get is going to be fairly expensive.
After being convicted of either a DUI or DWI in Florida, the only kind of car insurance you can get is FR-44 insurance. Strictly speaking, this is not a separate kind of insurance type. Instead, the FR-44 is a type of endorsement that is added to your insurance after you have been convicted, but it is often referred to as “DUI Insurance.”
When you are required to get an FR-44, you now face higher minimum limits on your insurance coverage. You now need a minimum of $100,000 for bodily injury protection per person, $300,000 for bodily injury protection per accident, and $50,000 in property damage liability protection.
This is usually enough to drive your insurance costs up quite a bit. While it is up to the state on how long you must have an FR-44 on file, you can usually count on a minimum of three years. And this needs to be at least three years of consistent coverage: If you have any lapses on your coverage, it effectively starts that three-year counter over again.
Another factor that adds to the cost is that once you have an FR-44, you typically need to pay for your insurance for at least six months at a time. And this can be a difficult transition if you are used to paying month to month.
Get a Florida Car Insurance Quote Today!
However, it can be difficult to find Florida car insurance that meets your needs without emptying your wallet. And if you’re not careful, you might end up with insufficient coverage and run the risk of major repair bills and hospital bills.
The good news is that finding the right quote is really just a click or a call away. We are happy to help you get started with a quote online. You can also visit the nearest Florida office that is convenient to you. Or if you’d like to get the info you need while speaking to one of our professional representatives, all you have to do is call us at (800) 777-5620 for a quote today!