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• FL Auto Insurance

Compare Florida Car Insurance Rates

Compare Florida Auto Insurance

Make sure you know what Florida’s minimum insurance requirements are before you purchase an auto insurance policy. Armed with the correct, up-to-date information, you will be able to compare Florida insurance company services to see which one has the cheapest policy that meets the minimum state requirements and any additional coverage that you need. At AIP, learn everything you need to know about Florida’s auto insurance laws and compare Florida auto insurance company quotes here.

Florida auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

What type of liability system is does Florida follow?

Florida is one of the "no-fault" states. This is different than the more common tort system, which is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

What does personal injury protection insurance cover? I know it is required in Florida.

Personal injury protection (PIP) is an extension to auto insurance plans that cover medical and accident-related expenses regardless of who is at fault.

So, then does Florida require uninsured/underinsured motorist coverage?

Florida does not require uninsured motorist coverage, but that doesn’t mean you shouldn’t purchase it. An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Florida, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Florida auto insurance rates.

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