Get a Free Florida Car Insurance Quote Today!

HomeAuto InsuranceBy State • Florida Car Insurance

Required Auto Insurance Coverage In Florida

Here at Infinity Insurance, aside from great customer service, one of our jobs is to make sure your policy aligns with the car insurance coverages required by Florida state laws. The list below shows the minimum requirements, but each policy can be customized to suit your needs. Some drivers opt for more coverage to ensure they are adequately covered in the event of an accident. The minimum required auto insurance coverage includes:

  • Bodily Injury Liability Coverage: $10,000 per person/$20,000 per accident (unless you reject this coverage)
  • Property Damage: $10,000 per accident
  • Uninsured Motorist Coverage: $10,000 per person/$20,000 per accident (unless you reject this coverage)
  • Personal Injury Protection: $10,000

Still not sure about the state’s minimum requirements? For more information on Florida’s auto insurance laws or if you have any other questions give us a call!


What determines my car insurance rates in Florida?

There a several factors that determine your Florida auto insurance rates. Some factors include:

  • Driving history
  • Vehicle make/model/year
  • Your location
  • Number of people in your household (of driving age)
  • Coverage options

Are there Discounts Available to Florida Residents?

Yes! As an Infinity customer and resident of the sunshine state, There are several discounts available to you. Your Infinity Auto Insurance expert will explain all the discounts available to you when you contact us for your free quote. Some of those discounts include:

  • Multi-car discounts - Save up to 38% when you insure multiple vehicles with Infinity.
  • Safe driver discount - Staying accident-free pays off. Save up to 25% on your policy for having a clean driving record.
  • Paid in full discount - Prepay your policy in full and save an additional 15%.
  • Electronic payment discount - Set-up monthly auto payments and save.
  • Switch and Save discount - Tired of your current insurance company? Make the switch to Infinity and save up to 15%.

How accident coverage works in Florida

Florida, which is a no-fault state requires insurers to pay for any medical bills or lost wages associated with any motor vehicle accident. This is always the case regardless of who is at fault in the accident. Because of this, the state of Florida requires motorist to have Personal Injury Protection coverage as part of their auto insurance policy.

In some instances, personal injury protection does carry some form of liability insurance as well as coverage for any medical expenses. Many full coverage policies will include this type of coverage. However, no-fault insurance does not apply to property damage and the insured driver may still be responsible for cost associated with any property damage.

Dealing with Uninsured or Underinsured Motorist in Florida

Uninsured (UM) or Underinsured (UIM) motorist coverage is a form of additional coverage that protects you in the event you get into a collision with an uninsured or underinsured driver. This type of add-on can help cover gaps in the policy, that may otherwise come out-of-pocket. Things like medical expenses or property damage are some protections UM or UIM provides.

While this type of coverage isn't mandatory in Florida, it can come in handy in the event where someone damages your property or their insurance won't cover all your necessary medical expenses. Because Florida is a no-fault state, this type of auto coverage serves as a great safety net.

Drivers in Florida are required to have PIP insurance coverage, which covers any physical therapy and recovery costs, psychiatric expenses and other professional health services as a result of an accident. These coverages can help protect you from uninsured or underinsured motorists.

Roadside assistance benefits and more?

When you choose Infinity as your auto insurance company, we want you to be happy with your insurance policy. One of the ways we make that happen is by offering “extras,” such as Infinity Driver’s Club and 24-hour roadside assistance. There is no membership fee, and you only pay per use! Infinity Driver club members can use the roadside assistance feature even as a passenger in a vehicle.

Our members gain access to an Infinity authorized repair shops and tow facilities, which have been pre-screened for quality and affordability.

In addition to our DriverClub we offer a Bilingual Children’s Library to promote bilingual literacy and competence.

And don’t miss our Knowledge Center Blog: It's one of the best places to watch entertaining videos and read about interesting topics.

Learn useful life skills like how to check your tire pressure, change a flat tire, fix a cracked windshield, and so much more!

Get a Florida Auto Insurance Quote

Are you ready to get a quote for your vehicle? Our Infinity representatives are ready to help. Call us now at 1-800-Infinity to get started. In most cases, we can have a quote for you in less than 5 minutes.

Contact one our Florida Insurance Agents Below for a Quote

City x
Daytona Beach  
For Walton Beach  
Fort Lauderdale  
Fort Myers  


This material is for general informational purposes only. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability.