Florida's breathtaking beaches and Art Deco sites attract millions. With so many cars on the road, Florida auto insurance is essential, but the search for coverage can feel overwhelming. Infinity Insurance Agency, Inc. (IIA) makes searching for affordable car insurance in Florida easier. To drive legally in Florida, you must carry personal auto insurance. IIA can help by showing you a range of insurance options, along with services such as:
- A clear breakdown of Florida auto insurance minimum requirements: $10,000 Florida Personal Injury Protection (PIP) + $10,000 Property Damage Liability (PDL)
- Same-day digital insurance ID cards after your finalized payment
- Assistance with FR-44 filings after suspensions or serious driving accidents
- Spanish-bilingual support and guidance on possible discounts
Request and compare car insurance quotes today with IIA, even for your Florida commercial auto insurance needs.
Auto insurance requirements in Florida
New to the Sunshine State, or curious about Florida auto insurance requirements? In Florida, you must carry at least property damage liability (PDL) and personal injury protection (PIP) coverage from an auto insurance company licensed in Florida. Florida personal injury protection helps cover your own medical expenses after a crash, regardless of fault.
The minimum Florida coverage amounts are:
- $10,000 in PIP coverage
- $10,000 in PDL coverage
While bodily injury liability and uninsured/underinsured motorist coverage are not required by law in Florida, they're worth considering based on your needs and financial situation. Bodily injury liability can be especially important, as these claims are often the costliest.
If you’re leasing or financing a vehicle, you may also want to explore comprehensive auto coverage, which helps cover damage to the vehicle caused by something other than a collision. You can also look into "full coverage" insurance, which generally includes collision, comprehensive, and bodily liability coverage. These options can offer greater coverage and financial flexibility in the event of a covered loss, especially if paying out of pocket for repairs or damage would be difficult.
Is Florida considered a no-fault state?
Yes, Florida is considered a no-fault state, meaning each driver's insurance covers their own accident expenses. However, if damages exceed your insurance limits, the driver at fault for the accident can be sued. For this reason, it may be wise to consider full coverage or higher limits than the minimum required by the state.
Driving without proof of insurance
Driving without Florida's mandated minimum insurance can result in significant fines and even the loss of driving privileges:
- First offense: $150 reinstatement fee, license and registration suspension of up to three years, unless proof of insurance is provided in time
- Second offense: $250 reinstatement fee (if within three years of first offense), plus license and registration suspension of up to three years
- Third offense: $500 reinstatement fee (if within three years of first offense), plus license and registration suspension of up to three years
Uninsured drivers involved in a serious accident may also need an FR-44 filing. IIA can assist by filing the FR-44 and help you find options to acquire the coverage you need, including additional options such as bodily injury liability on top of the required minimum of PDL and PIP.
Ready to explore options for PIP, collision, comprehensive coverage, or receive a personal auto quote? Call IIA at 1-855-478-3705.
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How much does auto insurance cost in Florida?
Whether you live in Miami or Jacksonville, rising auto insurance costs impact drivers across the Sunshine State. While it may be challenging to find desirable rates, affordable coverage does exist. Your Florida auto insurance rate depends on factors such as:
- Your vehicle (year, make, and model)
- Your driving history and annual mileage
- Your ZIP code
- Discounts you qualify for (such as for having prior coverage or being a safe driver)
Younger drivers with less experience or those in urban areas often face higher premiums, but options exist to help lower your costs.
IIA works with multiple insurance carriers to help you find cost-effective coverage options. Ready to discover options for low-income car insurance in Florida? Reach out to our dedicated team at 1-855-478-3705 for a free quote today!
Why Choose Infinity Insurance Agency?
Choose IIA for your auto insurance needs and take advantage of:
- Exploring a variety of discounts you may qualify for
- Highly trained agents familiar with Florida auto insurance requirements
- Spanish-bilingual customer support
- Customized coverage with options for those needing an FR-44, including non-owners
Ways to save
If you are concerned about the price of your car insurance rate and would like to save, here are some tips:
- Choose a deductible you’re comfortable with: Selecting a higher deductible (applicable only for collision and comprehensive coverage) and paying more out of pocket on claims can lower your premium, just make sure it’s an amount you can afford.
- Multi-vehicle: Insuring more than one vehicle on the same policy may qualify you for reduced rates.
- Pay-in-full: You could save money by paying your premium upfront and not monthly.
- Prior coverage: Maintaining continuous auto insurance coverage can help you appear more reliable to insurers, which may lead to better rates.
- Use telematics programs: Some insurers offer discounts based on your safe driving habits recorded through telematics devices.
- Compare carriers: Shop around to ensure you’re getting the best price for the coverage you need.
- Maintain a clean driving record: Avoiding accidents and driving violations helps keep your insurance costs as low as possible.
From the Gulf Coast to South Beach IIA is proud to provide coverage to drivers all over Florida. No matter if you live in:
- Miami
- Jacksonville
- Hialeah
- Tampa
- Orlando
- Fort Lauderdale
- Clearwater
IIA in the community: Beyond auto insurance, IIA serves to empower and uplift local Florida communities. IIA sponsored the Orlando Latino Fest to support this incredible celebration of culture, unity, and community.