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Best Affordable Auto Insurance in Florida
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Florida auto insurance is designed to be cheap and affordable for all citizens. Many of the coverages required by other states are not required in Florida, and for this reason, insurance rates are very competitive since policies are more specific to the type of coverage one needs. It is mandatory for all drivers to have at least the state minimums for coverage because the state department of insurance feels that, "even the safest and most cautious drivers are vulnerable to accidents, thus Florida law requires residents to carry a minimum of $10,000 of property damage liability and $10,000 of personal injury protection if they own a motor vehicle in Florida." Property damage liability provides payment to repair any property that was damaged or destroyed because of an accident you caused. Personal injury protection provides coverage for medical expenses for you and your passengers whether you caused an accident or not. While these are the only two required coverages, it is highly recommended you get more comprehensive policies that will save you from paying a lot of out of pocket money if you cause a serious accident. If you lese a vehicle instead of own, some insurers may require additional coverage, but Florida law prohibits insurance agents and companies from forcing you to buy other types of comprehensive coverage. In addition, any insurance you buy must be sold by a company licensed to do business in Florida. Finding the best and most affordable auto insurance in Florida can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Florida. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Sunshine State.

Understanding Florida's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Florida one must understand what coverage they need. Unlike other states liability insurance is not required. However Florida is a no-fault state. A no-fault state allows the person in an accident to receive their money regardless of proof that the accident was somebody's fault. However, living in a no-fault state prevents the injured party from suing for further damages, and if the insurance money is not enough to cover medical expenses, the injured party must come up with the rest of the funds for treatment. Personal Injury Protection (PIP) is required to be a part of your policy, however require protection from uninsured motorists is not required.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Florida the minimums are 25/50/25. The numbers are in thousands of dollars.

Florida Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/25
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $719
  • Average Collision Cost: $289
  • Average Comprehensive Cost: $116
  • Average Cost per Year in Florida: $1,043
  • US Average Cost: $795
  • Expense Rank: 5/51

Best Florida Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/R
N/A 53%
37%
55%
N/R
N/A N/R
N/A 48%
N/R
39%
63%
N/A 42%
N/A 55%
34%
33%
N/R
35%
N/A 23%
42%
N/R
N/A N/R
N/A 75%
33%
N/R
34%
33%
N/A 42%
N/R
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%