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Here's what you need to know when driving in Florida

Across the Sunshine State, there are 267,793 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Florida

In Florida, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $10,000 per person
  • Bodily Injury $20,000 per accident
  • Property Damage $10,000 per accident
Personal Injury Protection (PIP)
  • $10,000 per person
Optional coverage in Florida (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Florida and pays for damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident under the property damage portion of your policy. Although bodily injury coverage can technically be rejected, it is normally considered vital to a basic policy to pay for injury that you may cause to another driver or their passengers should you be considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Florida, the minimum is listed as 10/20/10 and explained below:

$10,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$20,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection of $10,000 per person is required in Florida and will cover up to 80% of medical costs and up to 60% of work loss if you are injured in an accident and are not able to work. Even things like laundry and maid services can be covered under your PIP coverage if you are unable to perform day-to-day tasks and this also extends to members of your household.

Although Florida is a “no-fault” state, drivers can be sued for severe injury, permanent disfigurement, or death that they cause in the event of an accident. Drivers can protect themselves from these lawsuits by choosing bodily injury liability coverage to meet their needs.

These numbers reflect the minimum limits required in Florida but higher coverage amounts are available with most companies.

Florida is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Florida Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Florida?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Florida you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Florida?

Uninsured Drivers in Florida
Florida

24%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Florida cities?

Rank City Avg. Annual Premium
1 Hialeah $3,559
2 Miami Gardens $3,213
3 Miami $3,209
4 Miami Beach $2,983
5 Miramar $2,656
6 West Palm Beach $2,652
7 Tampa $2,584
8 Hollywood $2,578
9 Pompano Beach $2,569
10 Fort Lauderdale $2,525
11 Coral Springs $2,524
12 Davie $2,498
13 Pembroke Pines $2,456
14 Brandon $2,345
15 St. Petersburg $2,241
16 Clearwater $2,216
17 Spring Hill $2,081
18 Orlando $2,049
19 Jacksonville $2,000
20 Port St. Lucie $1,955
21 Cape Coral $1,879
22 Lakeland $1,864
23 Palm Bay $1,768
24 Tallahassee $1,766
25 Gainesville $1,663

More questions?

Check out other FAQs and ask your own Florida car insurance questions here.
Driving Laws

Florida Texting and Driving Laws

  1. Ban on text messaging for all drivers
Alcohol Related Fatalities

697

Per Year in Florida
Annual DUI Arrests
Florida
61,852
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in Florida!

Dang! Florida is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Florida might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Florida?
Rank Company Name Avg. Annual Premium
1 USAA $967
2 Electric $1,729
3 Amica $1,729
4 Progressive $1,811
5 Travelers $1,907
6 Mercury $1,953
7 Allied $1,965
8 Esurance $2,061
9 State Farm $2,089
10 Auto-Owners $2,128
11 GEICO $2,129
12 Allstate $2,364
13 21st Century $2,421
14 Windhaven Insurance $2,601
15 MetLife $2,929
16 Safeco $2,957
17 Hanover $2,994
18 Liberty Mutual $3,070
19 United Automobile $3,492
20 Direct General $3,982
21 Infinity $4,128
Additional Resources:

Florida Car Insurance

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Florida Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Florida area, while also getting an insider view of the Sunshine State.

Click here to learn more.

Prompt

So, Florida students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.