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Florida Car Insurance Resources

Florida Car Insurance

Car Insurance Rates in FL

^ From 2006 to 2010, Florida cities had the 5th highest auto insurance rates in the nation. [2]

Car Insurance in FL by City

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Cars Insured in FL

^ Florida ranked 3rd of all U.S. states in total auto insurance policies in 2011. [1]

FL Car Insurance

Car Insurance in Florida

Car Insurance Liability Requirements in Florida

  • Minimum Liability Limits in FL: 10/20/10 [4]
    • 10  Required coverage up to $10,000 for one individual injured in an accident
    • 20  Required coverage up to $20,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
    • Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

Required Car Insurance Coverage in Florida

Required Car Insurance Coverage in Florida
  • Auto Insurance Coverage Requirements in FL [4]
    • Property damage liability coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Florida

  • Insurer Verification of Auto Insurance in FL [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Florida Car Insurance Facts, Estimates & Related Laws

Florida Car Insurance Facts

Florida Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in FL
    • Florida had the 5th highest auto insurance rates in the nation in 2010. [2]
    • Rates in FL ranked 6th in the nation in 2009. [2]
    • In 2008, FL had the 4th highest rates in the country. [2]
  • Number of Auto Insurance Policies in FL
    • Florida ranked 3rd in the nation in auto insurance policies in 2011 with a total of 11,439,646. [1]
  • Uninsured Motorist Rate in FL
    • The uninsured motorist rate in FL ranked 5th in the nation in 2009. [3]

Florida Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Florida Automotive Laws

  • Safety Belt Laws in FL
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 6+ years in front seat; 6 through 17 years in all seats. [7]
    • Child restraint law in place for 3 years and younger. [7]
  • Motorcycle Helmet Laws in FL
    • Motorcycle helmets required for 20 and younger. [7]
    • All riders younger than 21 years are required to wear helmets, without exception. Those 21 years and older may ride without helmets only if they can show proof that they are covered by a medical insurance policy. [7]
  • Driver's License Renewal Cycle in FL
    • Renewal cycle: 8 years [7]

Florida Auto & Driver Facts

Florida Automotive Facts

Florida Auto & Driver Facts
  • Speed Limits in FL
    • Rural interstates: 70 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph [7]
  • Motor Fuel Consumption in FL
    • Florida cities collectively ranked 3rd in the nation in total motor fuel consumption in 2011. [9]

Florida Licensed Drivers

  • Licensed Drivers in FL [10]
    • Total Drivers: 13,882,423
    • Female: 7,124,172
    • Male: 6,758,251
    • FL has the 3rd most drivers in the U.S.
  • Minimum Driving Age in FL [5]
    • Florida has a minimum driving age of 15 years.

Florida Auto Registrations

  • Auto Registrations in FL [8]
    • Registered Cars: 7,981,816
    • Registered Trucks: 6,878,085
    • Registered Motorcycles: 574,346
    • Total Registrations: 15,469,189
    • Rank: Florida ranked 3rd in the United States in total auto registrations in 2011.

Additional information about Florida

About Florida

Florida has a population of approximately 18,801,310, which ranks 4th in the U.S. among all states. [6]

FL Car Insurance

More about Florida auto insurance

For more information about auto insurance in FL, or for additional resources regarding Florida car insurance, visit the Florida Department of Insurance.

Did you know?

Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Florida Cities