Florida Car Insurance
Car Insurance in Florida
What is the minimum car insurance required in Florida?
Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily Injury Liability is not mandatory—but strongly recommended.
Why is car insurance so expensive in Florida?
Florida has high accident rates, a large population of uninsured drivers, frequent weather events, and a legal system that allows for more lawsuits—all driving up premiums.
What does PIP insurance cover in Florida?
PIP covers 80% of medical expenses and 60% of lost wages for you and certain passengers, regardless of who caused the accident.
Is Florida a no-fault state for car insurance?
Yes. That means your own insurance pays for your injuries after an accident, regardless of fault—up to your PIP limits.
Do I need uninsured motorist coverage in Florida?
It’s optional but highly recommended. Florida has one of the highest rates of uninsured drivers in the country.
How much is car insurance in Florida per month?
The average is between $160 and $240 per month, depending on your location, age, and driving record. South Florida is usually more expensive.
Does my Florida car insurance cover hurricane or flood damage?
Only if you have comprehensive coverage. Basic policies won’t cover storm or flood damage.
Can I get car insurance in Florida with a suspended license?
Yes, in some cases. You may need to file an SR-22 or FR-44 form and pay higher premiums. Not all insurers offer this.
Is car insurance required to register a vehicle in Florida?
Yes. You must show proof of Florida insurance (PIP and PDL) to register a vehicle in the state.
Can snowbirds or part-time residents get Florida car insurance?
Yes, if you keep a car in Florida. You may need to register it locally and get a Florida policy, even if your primary residence is elsewhere.
What is full coverage car insurance in Florida?
Typically includes PIP, PDL, plus optional Bodily Injury, Collision, Comprehensive, and Uninsured Motorist coverage.
Can I drive without car insurance in Florida?
No. It’s illegal and can result in license suspension and fines—even if you’re not currently using the vehicle.
Do I need car insurance in Florida if I don’t drive often?
Yes. All registered vehicles must have insurance—even if not driven often. You can consider low-mileage or pay-per-mile policies.
What happens if my Florida insurance lapses?
Your license and registration may be suspended. You’ll also face reinstatement fees and higher future premiums.
Does Florida car insurance cover out-of-state accidents?
Yes, most policies provide coverage nationwide. But always check your specific policy terms—especially for PIP, which has limits.
How do I file a car insurance claim in Florida?
Contact your insurer, provide your PIP information, gather medical bills and receipts, and submit a claim. You must file quickly—often within 14 days for PIP claims.
Do I need car insurance if I have a Florida learner’s permit?
Not in your own name—but the vehicle you’re driving must be insured. When you get your license, you’ll need your own policy.
What car insurance discounts are available in Florida?
Safe driver, bundling, defensive driving course, good student, low mileage, military, and senior discounts are common.
Can I switch car insurance companies in Florida?
Yes, anytime. Just ensure no lapse in coverage. Most insurers allow cancellation with no penalty as long as you notify them.
How do deductibles work in Florida auto insurance?
You choose your deductible for collision and comprehensive. The higher your deductible, the lower your monthly premium—but you’ll pay more out of pocket in a claim.
What does Car Insurance cover?
The Basic Car Insurance policy covers you for the following:- Bodily Injury Liability – When you are at fault in an accident, bodily injury liability will pay for the other party’s injuries and hospital bills.
- Property Damage Liability – When you are at fault, property damage liability will pay for damage to the other party’s car or other property.
- Comprehensive – pays when your car is stolen, or damaged from fire, vandalism or flooding. It also covers your car’s glass. Usually subject to a deductible.
- Collision – if your car is damaged in an accident, collision will repair the damage to your car. Usually subject to a deductible.
- Rental Car (Loss of Use) – pays a daily benefit to rent a temporary replacement vehicle while your car is being fixed.
- Towing – will pay to tow your car to a repair facility if it breaks down mechanically.
- Personal Injury Protection (PIP) – pays the first $10,000 of injury to you, no matter who is at fault. It pays for medical bills, loss of income, and death.
- Medical Payments – pays over and above the PIP, for injuries to you in a car accident. It will also pay for injuries to passengers in your car.
- Uninsured Motorist – pays medical bills, loss of income, and pain and suffering when you are injured by an Uninsured driver. An uninsured driver is one with no Bodily Injury Liability or not enough to cover your injuries. You collect from your own policy that which you can not collect from them.
What is the minimum requirement in Florida?
The State of Florida requires $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability to legally register and operate a motor vehicle. Cronin Insurance Agency recommends you buy Bodily Injury Liability too.When should you buy Car Insurance?
As soon as you buy or obtain a car, truck or van. There is no automatic coverage or grace period if you have no prior insurance. Keep in mind, insurance covers the vehicle, not the license plate or tag.Where can you buy Car Insurance?
You can buy car insurance online, by phone, or in person. You can buy car insurance directly from a company, from a captive agent who represents one company, or from an independent agency like Cronin Insurance. Only an independent agent can offer you a choice of car insurance companies each time you renew.Why should you use Cronin Insurance Agency?
Cronin Insurance Agency is an independent agency that offers you low rates and a choice of companies from local Florida Agents. If one company raises your premium, we’ll shop to find you another. If one company cancels you, we’ll find you another that wants your business. Cronin Insurance has been serving Floridians since 1993.Many Floridians turn to Cronin Insurance Agency for a Car Insurance Policy when:
- They buy a new car, truck or van.
- They’re sick of their current company raising their premium at every renewal.
- They suffer the sticker shock of raising their limits when they lease a new car.
- They can’t believe how much it cost to add their child to their policy.
- They’re angry that their company jacked up their rates after an accident.
- They’re upset that their rates are high because of their credit score.
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