Florida Car Insurance

Couple driving in Florida

Auto Insurance Coverage In Florida

New to Florida and looking for great auto insurance? Maybe you've been in the sunshine state for a while and are looking for the best rate on Florida car insurance. Regardless of your reason, every driver in Florida needs auto insurance coverage. See why millions of drivers trust GEICO to provide car insurance —from simple liability to comprehensive coverage.

If you are buying a new car, getting a rate comparison quote, or looking to switch auto insurance providers, GEICO has the information you need to make an informed decision. We make it easy for you to get a Florida car insurance quote online at any time.

Required Auto Insurance Coverage In Florida

Minimum auto insurance coverages required by the state of Florida to legally operate a motor vehicle:

  • Bodily Injury coverage: $10,000 per person and $20,000 per accident*
  • Property Damage coverage: $10,000 per accident
  • Uninsured Motorist coverage: $10,000 per person and $20,000 per accident*
  • Personal Injury Protection: $10,000

Florida Car Insurance Laws

Car in Florida

According to the Florida Department of Highway Safety and Motor Vehicles (DHSMV), all drivers in the state must have auto insurance coverage. If you are pulled over, you can be fined for not having valid proof of Florida car insurance. So be sure to have your insurance ID card when you drive.

Two important Florida car insurance laws to be aware of are the Financial Responsibility Law and the No-Fault Law:

  • The Financial Responsibility Law—requires certain drivers to carry full liability auto insurance coverage due to their driving history. These drivers include those at fault for past accidents resulting in injury to others, those who have received excessive points against their license, a DUI or a revocation due to serious and/or repeated offenses.
  • The Florida No-Fault Law—requires all drivers to carry Personal Injury Protection (PIP), which pays the insured's medical bills in the event of an accident, regardless of fault. People often think drivers can't be legally pursued for injuries they cause in an accident because Florida is a No-Fault state, but that isn't right. No-Fault just means that drivers involved in an accident rely on their own car insurance providers to pay for subsequent costs.

Florida Teen Driving Laws

Florida teen driver

Florida uses a graduated licensing system. Before obtaining full driving privileges, this system allows teen drivers to safely gain driving experience under varied conditions and circumstances. It's important for teens and parents to understand these laws:

  • At the age of 15, a teen may apply for a learner's permit.
  • For the first 90 days with a learner's permit, a teen may only drive during daylight hours, and only until 10:00 PM. In addition, a licensed driver over the age of 21 must always accompany the teen driver.
  • After a teen has held a learner's permit for at least one year, and has at least 50 hours of certified practice, he or she may apply for a driver's license.
  • At 16 years old, a licensed teen may only drive between 6:00 AM - 11:00 PM.
  • At 17 years old, a licensed teen may drive only between 5:00 AM - 1:00 AM.
  • Most restrictions are lifted when a driver reaches 18 years of age.

*Please note bodily injury liability and uninsured motorist coverages can be waived.

Market share data as reported by the 2017 A.M. Best Market Share Report.