Cheap car insurance in Florida is a must if you’re planning to own and drive a vehicle in the sunshine state. However, prices for auto insurance vary between insurance companies and you can end up paying a lot more each month for car insurance.
Read our guide to learn what you can expect to pay for different types of Florida auto insurance, and how to find the best cheap car insurance.
Sunshine & Updates: Navigating Roads & Florida Car Insurance
Get ready to cruise the Sunshine State with these essential updates:
Florida Vehicle Code Changes:
- Texting while driving ban expands: As of October 1st, 2024. Sending or receiving text messages while driving becomes illegal, in spite of having a hands-free device.
- Increased penalties for driving without insurance: Expect harsher fines and potential vehicle impoundment for driving without valid auto insurance. (Source: Florida Statute 627.728)
- Updated motorcycle lane splitting regulations: Clarification on allowed lane positioning and speed differences for motorcycles in slow-moving traffic. (Source: Florida Department of Highway Safety and Motor Vehicles)
Remember: Florida has some of the nation’s highest vehicle insurance rates due to factors like hurricanes, fraud, and uninsured drivers. Motor vehicle thefts rates are also a contributing factor in setting auto insurance rates. Individual rates can vary significantly based on driving history, location, and vehicle type.
Inexpensive Minimum Liability Florida Car Insurance Quotes
Minimum liability car insurance is the least amount of insurance you need to have according to Florida’s state laws. These plans are for the lowest car insurance rates Florida drivers can buy. They only cover personal injury protection (PIP) and property damage liability (PDL).
Does Minimum Liability Insurance or Minimum Coverage Vary from State to State?
Yes, every state has its own laws regarding minimum liability insurance. Consequently, every four-wheeled vehicle needs to have car insurance in Florida before you can legally drive it.
Florida has one of the lowest minimum liability insurance requirements in the U.S. and you’ll need to have at least $10,000 in personal injury protection (PIP) and property damage liability (PDL) insurance.
Florida Affordable Full Coverage Car Insurance
Florida Full coverage car insurance is more expensive than minimum liability insurance. However, as the name suggests, it offers more insurance coverage options.
A full coverage auto insurance policy will cover damages caused by accidents to other vehicles as well as your own.
How Can I Lower Car Insurance Rates for Full Coverage Insurance?
There are a couple of ways that you can ensure lower car insurance in Florida.
- Most insurance companies offer a bundling option. This allows you to combine your auto insurance with other policies. For example, home insurance, life insurance, and other insurance policies you have with the same insurance company.
- Another option is to increase your auto insurance deductible. This is the amount of money you would have to pay out-of-pocket before your insurance would kick in. By increasing your deductible, you are essentially taking on more risk, but you can save significantly on your monthly premium.
Florida Cheap Automobile Insurance for High Risk Drivers (DUI, Traffic Ticket)
Unfortunately, people who don’t have a clean driving history will pay more for Florida automobile insurance. Depending on your record you might have to pay up to double the normal price for people in your age group.
Some common reasons that cause people to be labeled as bad drivers include:
Cheap Auto Insurance Quotes for Good Drivers (Clean Driving Records)
A clean driving record, accordingly, will make a help with the amount you pay for cheap auto insurance. Insurance companies will look at your driving record for the last five years. They will check for traffic violations such as DUIs, speeding tickets, or SR22. This can secure you cheap insurance.
Florida Automobile Insurance For Young Drivers
Young drivers will generally pay more for car insurance in Florida, because statistically they are considered a higher risk for auto insurance companies.
Automobile insurance companies consider anyone between the ages of 16 and 25 as a young driver, and they charge higher premiums on insurance for teenagers compared to people in their twenties.
What Does “No-Fault” Liability Insurance Mean?
No-Fault Liability is an insurance principle that states that each party must pay for damage to their own vehicles, regardless of who caused the accident.
With Fault Liability, the person who is responsible for causing an accident is responsible for the costs of repairs. This means you’ll need to get enough coverage to ensure that your car can be repaired or replaced if you’re involved in an accident.
Florida is a No-Fault Liability state. There are 11 other states in the U.S. that follows the No-Fault Liability principle. The others are Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
Tips for Choosing Affordable Florida Auto Insurance Quotes
Licensing: Make sure that the insurance company you’re working with is licensed to do business in the state of Florida. You can check this easily enough by visiting the Florida Office of Insurance Regulation’s website.
Costs and benefits: Monthly auto insurance rates are a big consideration when choosing auto insurance. Along with the price of auto insurance, you should also look at the benefits and coverage that companies will offer you.
In some cases, if you have other policies with the same insurance company. Bundling them will get a discounted car insurance quote. This helps with finding the lowest priced car insurance.
Figure out how much coverage you need: When going over your insurance options, it’s important to figure out what you’d like to insure your car against. In some cases, if you have a vehicle that is worth less than $4000, you might need minimum liability coverage. However, if you’ve bought a new vehicle, you’ll want to consider affordable full coverage car insurance.
Future financial stability: It’s important to do research on the company you are going to buy insurance. You can also speak to a licensed insurance agent or broker to get an informed opinion about your preferred automobile insurance company.
Florida Car Insurance FAQs
What is considered full coverage Florida car insurance?
In Florida, minimum liability insurance is required by law. However, many drivers choose to purchase additional coverage beyond the state minimum. This is what’s known as full coverage car insurance, which includes bodily injury liability, as well as comprehensive and collision coverage.
Do I need a Florida driver’s license to register a car?
Yes, to register a car in the state of Florida, you must have a valid driver’s license from the state. You will also need to show proof of car insurance. If you do not have a Florida driver’s license, you can get a temporary one. However, you will have only 30 days to get a permanent license.
Can I register a car in Florida with an out-of-state license?
Yes, you can register a car in Florida. an out-of-state driver’s license, can be used as long as your vehicle insurance meets Florida minimum requirements.
To register your car, you will need to provide proof of Florida automobile insurance. You will need current driver’s license, and your car’s title or registration papers. You may also need to provide additional information depending on the specific requirements of your local DMV office.
Does Florida require stacked insurance?
In the state of Florida, car insurance companies are not required to offer stacked insurance coverage. These policies allow policyholders to increase the amount of coverage they have in the event of an accident.
However, many insurers do offer this coverage as an option, and it can be a valuable form of protection for drivers.
What is the minimum personal injury protection (PIP) coverage in Florida?
The minimum amount of PIP coverage that car insurance companies must offer in Florida is $10,000. PIP coverage helps to pay for medical expenses and lost wages if you are injured in a car accident, regardless of who is at fault. Florida car insurance companies must include personal injury protection (PIP) coverage as part of their standard car insurance policies.
