Florida Auto Insurance Quotes

If you're looking for Florida auto insurance quotes from a wide selection of insurance carriers, you're in the right place. In addition to insurance price quotes, you'll also find comprehensive information on Florida's auto insurance requirements. Keep this information in mind as you search for the best policy for your needs. You'll need to know these regulations so that you purchase a policy that keeps you in compliance with Florida's minimum insurance requirements.

Florida Auto Insurance Minimums

Most states require that motorists maintain liability coverage for bodily injuries and property damage on any registered vehicle.  However, Florida is one of three states that does not require bodily injury liability coverage for all registered vehicles.  In Florida, anyone with a valid registration tag has to maintain a minimum of $10,000 of personal injury protection coverage and $10,000 property damage liability coverage.  If a motorist wants to purchase bodily injury liability coverage, this can be done by consulting with a Florida auto insurance agent and discussing the options available.  Personal injury protection will pay for the medical and funeral expenses of the insured driver and passengers injured in an accident.  This type of coverage also covers pedestrians struck by a vehicle that has an insured driver.

Maintaining Florida Auto Insurance

Florida is different than many other states because it has a number of residents who only live in the state for 6 months each year.  During the hotter months, these residents live in other states and then return to Florida when the weather in the north begins to cool down in the fall.  Even if you live out of state for 6 months of the year, you need to maintain insurance on your vehicle as long as it remains registered in Florida.  If you do not want to do this, you can turn in your tag and registration card at any driver licensing center.  When you return to Florida, you can register your vehicle again as long as you can provide proof of insurance. 

Penalties for Lack of Insurance

If a driver is found to not have the required personal injury protection and property damage liability insurace, his or her driver's license and registration will be suspended for up to three years or until proof of insurance can be provided for that vehicle.  Drivers who fail to maintain continuous insurance coverage will also be charged a reinstatement fee of $150 up to $500 for subsequent violations.  Proof of Florida auto insurance must be provided at the time that these fines are paid.