Florida Required Auto Insurance
Your coverage rates will increase or decrease depending on your demographics as a driver. Therefore, auto insurance for teenagers or drivers with messy driving records will be much higher than rates for experienced, safe drivers in Florida. Contrarily, there are no set Florida full coverage auto insurance limits. Each insurance company offers slightly different variations of full coverage policies. FREE Auto Insurance Comparison Compare Quotes From Top Companies and Save Secured with SHA-256 Encryption Is full coverage auto insurance required in Florida? Auto insurance is legally required in 49 out of the 50 states across the country. Florida is no exception. That being said, full coverage auto insurance is not required in your state. Most states only require drivers to purchase liability insurance. However, Florida is what is known as a no-fault state, which means all drivers involved in a car accident are responsible for paying for their own damages, no matter who is at fault. Therefore, minimum auto insurance requirements for the state of Florida are a little different than most other states.
Required auto insurance florida
Not far behind Allstate when it comes to customer satisfaction in the survey ratings was State Farm, which, interestingly enough, is the cheapest insurer that was included in the survey. Sources used: This content is created and maintained by a third party, and imported onto this page to help users provide their email addresses. You may be able to find more information about this and similar content at
69 Male: $1803. 59 How Does One's Marital Status Influence Premiums in Florida? One benefit that people who live in Florida have when it comes to insurance premiums is that wedded motorists in this state pay $81 less on auto insurance annually, whereas the average national discount for married couples in the U. S. amounts to $76. According to, average annual premiums in Florida by marital status are as follows: Single: $1803. 59 Married: $1722. 90 Divorce: $1803. 59 Widowed: $1762. 38 What Is the Average Auto Insurance Cost by Coverage Level in Florida? Your level of coverage will influence your auto insurance premium, with those who have liability-only coverage paying less than those with low-deductible comprehensive coverage. In Florida, you'll pay $690 more for a comprehensible coverage with a $500 deductible than for a liability-only coverage. To meet Florida's minimum law requirements, according to, you need at least minimum coverage. Such coverage, however, does not include comprehensive and collision coverage.
However, it can be very helpful to have this coverage if you are at-fault in a major car accident. Once both parties to the accident have filed claims with their own insurance companies, any leftover expenses must be covered by the at-fault party. With BIL coverage, you will be certain to have enough coverage to pay for all of the medical or funeral expenses of the other party.
Car accidents happen whether we like it or not. That is why the state of Florida has a state minimum requirement for auto insurance. Florida requires state minimum car insurance that covers injuries and property damage that may result from a car accident. Personal injury insurance is required in Florida so that people can afford any necessary medical care that may come about as the result of the car accident. They also require a property damage insurance, so the person responsible can pay for the damage caused. Insurance req u irements can be confusing because they are different from state to state, but car insurance is critical to have in case of an accident. Check out the state minimum car insurance requirements for Florida below. What is the Florida State Minimum Auto Insurance? As we discussed above, it is required to have car insurance in Florida. You want to be sure you have the Florida state minimum for auto insurance to be sure you are driving legally. What is the state minimum car insurance?
Florida required auto insurance in florida
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Read through our comprehensive guide to better understand basic auto insurance in Florida, as well as to learn about full coverage auto insurance versus other insurance policies. Can't wait to get started? To find cheap Florida full coverage car insurance quotes, enter your five-digit ZIP code into our free quote tool above to find affordable Florida full coverage car insurance. How much is full coverage auto insurance in Florida? Full coverage insurance in Florida will cost more than the Florida state minimum auto insurance requirements because it provides you with broader, more comprehensive protection. On average, FL full coverage auto insurance will cost you around $104 per month or $1, 257 annually. However, applying for discounts and comparison shopping can help you secure an even cheaper rate. Take a look at the graph below to compare average annual full coverage Florida state auto insurance rates to other types of policies in the state. Remember that full coverage rates are higher because they also provide you with the Florida state minimum insurance limits.