Finding cheap car insurance in Florida can be a challenge, but you have come to the right place. There are dozens of insurers in Florida competing for your business, so the first step is to compare rates. To get started, you just need to enter your zip code above and we will connect you to the best discount car insurance companies in your area. Click on one or more of the companies listed on the results page to instantly compare rates for free.
Florida’s minimum insurance coverage is $10,000 for Personal Injury Protection (PIP) and $10,000 for Property Damage Liability (PDL) if you have a Florida license plate. This rule applies even if your car is not operable or is in another state. Unfortunately, there are no exemptions, so be sure you are covered to the proper amount when buying a policy.
Personal Injury Protection is coverage that will pay you in the case of an injury, regardless of who is charged with causing the accident. Property Damage Liability pays for any damages you may have caused to people’s property using your car. As noted, Florida’s insurance laws require both sets of coverages.
If you have gotten into an accident or were found guilty of certain offenses, additional rules apply. In these cases Florida may require you to obtain Bodily Injury Liability coverage. This coverage pays in cases where you have caused someone serious injury or death using your automobile. Even in these situations, it is still possible to get cheap car insurance in Florida – you just need to shop around. Each insurance company has a different focus and some specialize in covering high risk drivers.
If you fail to keep insurance on a car that is registered in Florida the state Department of Highway Safety and Motor Vehicles can suspend your license, plates, and registration for up to three years or until you can show proof of Florida insurance. In this case you would also have to pay a reinstatement fee of $150 to $500.
Remember, the key to finding cheap car insurance in Florida to by comparing multiple carriers. With dozens operating in the state, comparing rates from even a handful is still only scratching the surface. So start comparing rates today using the form at the top of the page.