Florida Car Insurance

Basic Facts About Florida Car Insurance Coverage

Maybe you're driving from the southern Withlacoochee River near Dade City to the northern Withlacoochee River near Live Oak (yes, there are two Withlacoochee Rivers in Florida, and they are not connected to each other). Or perhaps you're headed to a more common Florida destination—the beach, a theme park, or the grocery store. Regardless of your route, every driver in Florida needs auto insurance coverage. So if you're buying a new car, getting a rate comparison quote or simply looking to switch to GEICO, we've got the information you need to make an informed decision. You can get a Florida car insurance quote online.

According to the Florida Department of Transportation (FDOT), all drivers in Florida must have auto insurance coverage. So whenever you drive, be sure to bring along your insurance ID card. You could receive a fine if you're pulled over and unable to provide proof of coverage.

Required Coverage In Florida

The following minimum coverages are 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

*Please note bodily injury liability and uninsured motorist coverages are rejectable.

Important Facts About Florida Teen Driving Laws

Florida utilizes a graduated licensing system. At the age of 15, a teen may apply for a learner's permit. For the first 90 days a teen has a permit, they may only drive during daylight hours, and only until 10:00 PM. In addition, a licensed driver over the age of 21 must always be present.

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 an operator's license. At 16 years old, a licensed teen may only drive between 6:00 AM and 11:00 PM. At 17 years old, a licensed teen may drive only between 5:00 AM and 1:00 AM. These restrictions are lifted when a driver reaches 18 years of age.