Florida Car Insurance

Car Insurance Quotes in Florida

New to Florida and looking for great car insurance? Maybe you've been a resident of the Sunshine State for a while and are simply looking for a better or more affordable auto policy. Every driver in Florida needs auto insurance coverage. See why millions of policyholders trust GEICO to provide exceptional car insurance —from liability protection to comprehensive coverage.

If you're buying a new car, comparing car insurance quotes, 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 free Florida car insurance quote online.

Required Auto Insurance Coverage in Florida

Drivers need to make sure they have the auto insurance coverages required by the state of Florida to legally operate a motor vehicle:

Coverage Type Florida Requirements
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

    These are the minimum car insurance coverage requirements, but you should choose the coverage you need. If you need help determining how much coverage you need you can use our Coverage Calculator.

    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). This coverage helps pay 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. This system allows teen drivers to safely gain driving experience under varied conditions and circumstances before obtaining full driving privileges. 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. After 90 days, the learner's permit allows a teen to drive until 10:00 PM. 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 generally may only drive between 6:00 AM - 11:00 PM.
    • At 17 years old, a licensed teen generally may drive only between 5:00 AM - 1:00 AM.
    • Most restrictions are lifted when a driver reaches 18 years of age.

    Florida Insurance Agents

    GEICO has experienced insurance agents in offices across Florida who are ready to help you. We can answer questions you have about your car insurance policy. Our combination of 24/7 convenience along with dedicated agents you can speak with in person or over the phone is another reason Florida drivers switch to GEICO for an auto insurance policy. Learn more about our Florida insurance agents.

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