Florida Car Insurance (FL)

Living in Florida means a life on the go - to the beach, to a pool somewhere, to the endless centers of activity after dark.  Florida is a state that is spread out, so you will likely be getting to where the action is in your car.

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Florida Car Insurance requirements

Florida has low minimum auto insurance requirements compared to many states.  The vehicle owner is required to carry $10,000 in personal injury protection and $10,000 in property damage liability. Drivers are not required to carry bodily injury liability coverage. It is recommended, however, that this type of coverage is purchased, as medical costs can be extremely high.

Within the state's mandated car insurance, there is no coverage for you and your car in an accident that is your fault. Collision and comprehensive coverage will pay for damages to your car. Collision coverage pays for your auto repairs resulting from an accident that is your fault. Comprehensive coverage pays for damage to your car from events other than accidents, such as storm or fire damage, theft, or vandalism.

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Additional Florida (FL) Car Insurance Coverage

Another widely used type of insurance coverage is for uninsured or underinsured motorists. This coverage pays for your losses should you be involved with an uninsured or underinsured driver, or engaged in a hit-and-run accident. The state of Florida does not require motorists to purchase this type of coverage, but it is a sensible alternative to trying to personally collect on damages over and above the other party’s coverage.

Other minor add-ons include towing costs coverage, which will pay to have your vehicle removed from the scene of an accident, and rental reimbursement, which will the cost of a rental car while yours is in the shop.

Car Insurance in Florida Cities

Learn more about car insurance specifically in Jacksonville.

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