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Minimum Florida Car Insurance Coverage:

Under Florida car insurance laws, you must purchase at least the following coverage for every vehicle:
Required Coverage
Liability:
Bodily Injury
(if purchased minimum is 10/20)
Property Damage
Uninsured Motorist Bodily Injury
(Can be waived in writing)
PIP (Personal Injury protection)
 State Minimum Limits

Not Required

$10,000 or CSL of $30,000
Same Limit as Bodily Injury Liability, if any.

$10,000

Complete Your Florida Car Insurance Coverage
Add to your Florida car insurance protection with the following coverages:
Medical Payments
Comprehensive
Collision

Making Smart Florida Car Insurance Choices
According to Florida car insurance professionals, you should carry at least the following limits of coverage:
Liability Coverage
Uninsured Motorist
Medical Payments
Collision
Comprehensive
 $100,000/$300,000/$100,000
$100,000/$300,000/$100,000
$5,000
$500
$500

If you want to purchase a Florida car insurance umbrella policy, most insurance companies require you to carry specific limits of liability on all your underlying (automobile and homeowner's) insurance policies. In many cases, you may be asked to have limits of $250,000/$500,000 in order to be eligible for an insurance company's umbrella coverage.

A Final Word on Car Insurance
When choosing your Florida car insurancecoverage, keep these tips in mind: Car insurance premiums are determined by weighing a number of different factors and deciding how much of a risk each of those factors represents—including the age of drivers, driving record, etc. Some factors you have no control over. Others you have choices that can help you lower your Florida car insurancepremium. Here are some suggestions.
  • Many experts recommend a deductible of between $500 to $1,000 to help lower your Florida car insurancepremiums. The more you’re willing to pay out-of-pocket, the better your premium can be.
  • If the resale value of your car is less than $3,000, many experts suggest that you consider dropping collision and comprehensive coverage altogether. It is an expensive part of your car insurance. However, if you do drop this coverage and your car is stolen or you crash it, you would have to pay for repairs or replacement yourself.
  • Be sure to ask about any available Florida car insurance discounts. How much and what things can earn you a discount will vary from company to company and even from state to state. It’s still always worth asking about.
    Every dollar helps.
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