Florida Auto Insurance Policy Requirements

Q: What is in a basic Florida auto insurance policy?
A: Your Florida auto insurance policy can be comprised of the following main types of coverage:

  1. Liability Coverage
    1. Because property damage and injury to a person are considered separately, liability insurance is divided into two kinds of coverage:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Florida. To legally drive in Florida, along with having a valid driver’s license, you must have at least the following liability coverage in your auto insurance policy:
      1. 10/20/10” (This is Florida’s minimum auto insurance requirement)
      2. $10,000 for injury/death to one person.
      3. $20,000 for injury/death to more than one person.
      4. $10,000 for damage to property.
    3. Leased vehicles have different liability minimums.
  2. Collision Coverage is required only when the vehicle is still financed. It is a recommended – though not required – option for your Florida auto insurance policy.
  3. Comprehensive Coverage is again required only when the vehicle is financed. If the vehicle is no longer financed (i.e. it has been paid for), comprehensive is an option for your Florida auto insurance policy.
  4. Medical Payments Coverage is recommended, but not required, for a Florida auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is another optional although recommended insurance option in Florida.
  6. Personal Injury Protection (PIP) Coverage is absolutely mandatory for an auto insurance policy in Florida.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Florida a No-Fault state?
A: Yes, Florida is a no-fault state.

Q: How can I get a discount on a Florida auto insurance policy?
A: There are in fact several possible ways to qualify for money-saving discounts on auto insurance policies in Florida. Our CLICKinsure list of auto insurance discounts may help.

Q: Where can I find more information about Florida auto insurance?
A: There are several official government resources with Florida insurance information on the internet:
  1. Florida Insurance Resources
    1. The Department of Highway Safety and Motor Vehicles (DHSMV) registers driver’s licenses and vehicles in Florida. The FL DHSMV website has auto insurance publications that further detail discount possibilities and requirements for policies in Florida.
    2. The Florida Office of Insurance Regulation (FL OIR) is a regulatory agency that ensures fair insurance practices for both insurers and consumers.
  2. National Insurance Resources

Whether you travel along the palm tree-lined I-75 or through the crocodile abode of the Everglades, CLICKinsure can help you secure auto insurance in Florida. An expert agent for the state of Florida will show you the many possibilities available anywhere in state, including major cities like Miami, Fort Lauderdale, Miramar, Sarasota, Tampa, Ocala, and Gainesville. As your broker, CLICKinsure can explain your best-value options of premiums and deductibles for the insurance policy you choose. CLICKinsure is happy to serve the Sunshine State, from its Chattahoochee River to the Florida Keys.