Automobile Insurance in Florida

Automobile insurance is mandatory in Florida. If you own a vehicle with at least four wheels and are registering it, you must have Florida insurance.

Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag.  Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile.

Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else's vehicle. It may also cover others who drive your automobile with your permission. This coverage also provides you with legal defense in the event you are sued by the injured party.

Florida coverage is an insurance policy delivered or issued for delivery in Florida by an insurance company licensed by the Florida Department of Financial Services. If you fail to keep insurance on my vehicle that you have registered in Florida the Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle tag and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.

If your driving privilege is suspended because you are not properly insured, there a penalty to reinstate my license of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.

Any person who has a vehicle in Florida for more than 90 days during a 365-day period must purchase personal injury protection and property damage liability insurance coverage. The 90 days do not have to be consecutive.

Insurance coverage must be maintained throughout the entire vehicle registration period, on all vehicles owned, whether the vehicle is used or not.

 Note: State Car Insurance regulations can change. Please check with your state's Motor Vehicle Department for the most current regulations.