{"id":6444,"date":"2018-04-09T19:08:08","date_gmt":"2018-04-09T19:08:08","guid":{"rendered":"http:\/\/www.etags.com\/blog\/?p=6444"},"modified":"2026-01-09T12:17:15","modified_gmt":"2026-01-09T12:17:15","slug":"florida-car-insurance-requirements","status":"publish","type":"post","link":"https:\/\/www.etags.com\/blog\/florida-car-insurance-requirements\/","title":{"rendered":"Florida Car Insurance Requirements And Coverage"},"content":{"rendered":"

Each state has its own auto insurance laws and stipulations, and that also includes Florida.<\/p>\n

It’s mandatory for Florida residents to get an auto insurance with certain coverage and limits before hitting the road.<\/p>\n

Whether you live in Miami or Jacksonville, stay current with the Florida car insurance requirements and coverage additions for your own protection.<\/p>\n

How does auto insurance work in Florida?<\/h2>\n

When you register your vehicle you’ll need to provide a proof of Florida auto insurance coverage. The minimum requirements are stated as follow:<\/p>\n

Personal Injury Protection (PIP): $10,000<\/p>\n

Property Damage Liability: $10,000<\/p>\n

Under certain circumstances, you may be required to purchase additional insurance coverages depending on your driving record and other offences.<\/p>\n

For example, if you are convicted of a DUI, your auto insurance will require you to purchase a Bodily Injury Liability insurance.<\/p>\n

Is\u00a0Florida is a Non-fault State?<\/h2>\n

Yes, Florida is a Non-Fault state, which requires insurers to cover their insured drivers regardless of fault.<\/p>\n

For example, when a car accident occurs, affected drivers\u00a0can reach out to their auto insurance companies to cover the costs of medical care and other losses.<\/p>\n

How much is car insurance in Florida?<\/h2>\n

Now, the auto insurance you get depends on your profile as a customer.<\/p>\n

Let’s say you bought a new sport vehicle and you start looking for auto insurance.<\/p>\n

You may end up paying a high premium because auto insurance companies regard modern and sport vehicles as high risk compared to other old vehicles.<\/p>\n

At the same time, driving a sport vehicle tells your insurer that you may be involved in speeding, which increases your chances on getting involved in car accidents.<\/p>\n

That doesn’t mean that you cannot contact other auto insurance providers. Auto insurance providers offer different policy rates so comparing quotes is what you need to do for lower premiums.<\/p>\n

To learn more about auto insurance premiums,\u00a0click here<\/a>.<\/p>\n

What is Personal Injury Protection?<\/h2>\n

Personal Injury Protection (PIP) is an extension of auto insurance that covers medical expenses and, in some cases, lost wages.<\/p>\n

It is also known as “non-fault” coverage because it covers insured drivers regardless of who’s at fault.<\/p>\n

This protection includes other incidentals such as loss services and funeral expenses.<\/p>\n

What is Bodily Injury Liability?<\/h2>\n

Bodily Injury Liability (BIL)\u00a0is the part of your policy that helps pay for another person’s injuries as a result of a car accident for which you are at fault.<\/p>\n

BIL is not required to legally drive in Florida. However, there are some exceptions based on screening.<\/p>\n

If you are a driver with previous car accidents and bad driving records, auto insurance companies may require you to carry this type of insurance coverage.<\/p>\n

SEE ALSO:\u00a05 Kinds Of Auto Insurance Coverages (And How To Handle Them)<\/strong><\/a><\/p>\n

What is Property Damage Liability?<\/h2>\n

Property Damage Liability is a coverage that drivers must have on their policies by law.<\/p>\n

It covers the cost of damages caused to other people involved in a car accident, which includes vehicle, home, and\/or any other personal property.<\/p>\n

Like Bodily Injury Liability, this type of coverage helps drivers to take some financial responsibility for car accidents for which they are at fault.<\/p>\n

Are you looking for auto insurance?<\/h2>\n

Buying auto insurance does not mean you have to pay a lot of money for your own protection.\u00a0Click here<\/a> to help you get the auto insurance policy that best suits your budget and needs.<\/p>\n","protected":false},"excerpt":{"rendered":"

Each state has its own auto insurance laws and stipulations, and that also includes Florida. It’s mandatory for Florida residents to get an auto insurance with certain coverage and limits…<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3,5],"tags":[],"class_list":{"0":"post-6444","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-car-insurance","7":"category-florida"},"acf":[],"yoast_head":"\nFlorida Car Insurance Requirements And Coverage<\/title>\n<meta name=\"description\" content=\"Each state has its own auto insurance laws and stipulations, and that also includes Florida. 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