Auto Insurance Quotes in Florida
Are you seeking an affordable auto insurance quote in Florida? Perhaps you've been a resident of the Sunshine State for a while and are simply looking for better or more affordable car insurance. All drivers in Florida need auto insurance coverage. Find out why people trust Tu Seguro Florida for exceptional auto insurance for commercial cars or indivuals, from liability protection to comprehensive coverage.
Whether you're purchasing a new car, comparing auto insurance quotes, or looking to switch insurance providers, Tu Seguro Florida has the information you need to make an informed decision.
Required Auto Insurance Coverage in Florida
Discover the minimum auto insurance coverage requirements in Florida and how to get the protection you need.
Drivers must ensure they have the auto insurance coverage required by the state of Florida to legally operate a motor vehicle:
Type of Coverage 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 requirements for auto insurance coverage in Florida, but you should choose the coverage you need when getting an auto quote.
Please note that liability coverages for bodily injury and uninsured motorist may be waived. Even though BI is not a mandatory coverage in FL, not having this coverage at the time of an accident resulting in bodily injury or property damage will result in a state-mandated coverage requirement for 3 years.
Factors Affecting Auto Insurance Rates in Florida
Explore the various factors that can influence the cost of your auto insurance in Florida and how you can get the best rates.
What factors can affect auto insurance rates in Florida?
Auto insurance rates in Florida can be influenced by a variety of factors, including individual circumstances and external variables. These elements can play a significant role in determining the cost of auto insurance for residents, often resulting in a wide range of premium prices. Let's take a closer look at each factor:
The year, make, and model of your vehicle
Newer and more expensive cars typically lead to higher premiums due to increased repair and replacement costs, while older and less valuable vehicles may have lower insurance costs due to factors such as depreciation. Safety features and theft rates associated with specific makes and models can also influence your insurance rates.
Your driving habits and annual mileage
More time on the road or a history of accidents and infractions can result in higher premiums because they indicate a greater risk of potential claims. With auto insurance, being a safe driver pays off.
Demographic factors, primarily your zip code
Insurance companies analyze the frequency of accidents, thefts, vandalism, and other risks associated with different areas, and adjust premiums accordingly. Living in an area with a higher number of claims or car-related incidents can lead to higher insurance rates, while residing in a safer neighborhood may result in lower premiums.
Auto Insurance Discounts in Florida
Discover the discounts available in the Sunshine State that can help you get affordable and quality auto insurance.
Discounts you may be eligible for on car insurance
Discounts, such as safe driver discounts, bundles, and multi-policy discounts, can help reduce your premiums, making insurance more affordable.
Auto Insurance Discounts in Florida
Drivers in the Sunshine State seek auto insurance that provides exceptional service along with great value. Premium discounts on auto insurance available in the state of Florida include:
How can it help you save on auto insurance in Florida?
You could receive a discount by bundling auto insurance with other products, such as homeowners and renters insurance.
Auto Insurance Laws and Driving in Florida
Learn about financial responsibility laws, no-fault law, and other important regulations affecting drivers 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're pulled over, you can be fined for not having valid proof of Florida auto insurance. So make sure to have your insurance ID card when driving.
Two important auto insurance laws in Florida you should know are the Financial Responsibility Law and the No-Fault Law:
The Financial Responsibility Law requires certain drivers to carry total liability auto insurance coverage due to your driving history. These drivers include those who were at fault in past accidents resulting in injuries to others, those who received excessive points against their license, a DUI, or a revocation due to serious and/or repeated offenses.
Florida's No-Fault Law requires all drivers to carry personal injury protection/bodily injury coverage (PIP). This coverage helps pay for the insured's medical bills in case of an accident, regardless of fault. People often think that drivers cannot be legally pursued for injuries they cause in an accident because Florida is a no-fault state, but that's not true. No-fault only means that drivers involved in an accident rely on their own auto insurance providers to pay for subsequent costs.
Get more information on Florida auto insurance requirements.
Florida Vehicle Registration Information
Can I keep my current policy issued in my previous state of residence?
No. The minimum required insurance must be issued through a company licensed to sell in Florida.
What if I don't maintain insurance on my vehicle that I have registered in Florida?
The Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle tag and registration, for up to three years or until proof of Florida insurance is provided, whichever occurs first.
If my driving privilege is suspended because I'm not properly insured, are there any reinstatement penalties for my license?
Yes. A reinstatement fee of $150 up to $500 is required, for subsequent violations, and you must provide proof of current Florida insurance.
Teen Driving Laws in Florida
Understand the graduated licensing system for teenage drivers in Florida and how they can gain driving experience safely.
Florida uses a graduated licensing system. This system allows teenage drivers to gain driving experience safely in various conditions and circumstances before obtaining all driving privileges. It's important for teens and parents to understand these laws:
At the age of 15, a teenager can apply for a learner's license.
During the first 90 days with a learner's license, a teenager can only drive during daylight hours. After 90 days, the learner's license allows a teenager to drive until 10 PM. A licensed driver over 21 years old must always accompany the teenage driver.
After a teenager 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 teenager can apply for a driver's license.
At 16 years old, a teenager with a driver's license generally can only drive between 6 AM and 11 PM.
At 17 years old, a teenager with a driver's license generally can only drive between 5 AM and 1 AM.
Most license restrictions are lifted when a driver turns 18 years old.
Tu Seguro Florida has experienced insurance agents covering all of Florida. We can answer any questions you have about your auto insurance in Florida.
