Personal Auto Insurance

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.

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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.

Required Auto Insurance Coverage in Florida

Drivers need to make sure they have the auto insurance coverage 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

These are the minimum Florida car insurance coverage requirements, but you should choose the coverage you need considering your profile, loan type, and the amount of protection level that you will be able to afford.

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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 license.
  • For the first 90 days with a learner's license, a teen may only drive during daylight hours. After 90 days, the learner's license 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 license for at least one year and has at least 50 hours of certified practice, 10 of which must be at night, the teen may apply for a driver's license.
  • At 16 years old, a teen with a driver's license may generally only drive between 6:00 AM and 11:00 PM.
  • At 17 years old, a teen with a driver's license may generally drive only between 5:00 AM and 1:00 AM.
  • Most license restrictions are lifted when a driver reaches 18 years of age.