{"id":2488,"date":"2023-10-27T17:00:00","date_gmt":"2023-10-27T17:00:00","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=2488"},"modified":"2023-10-26T20:44:07","modified_gmt":"2023-10-26T20:44:07","slug":"how-much-is-car-insurance-in-florida-detailed-price-guide","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/car-insurance\/how-much-is-car-insurance-in-florida-detailed-price-guide\/","title":{"rendered":"How Much Is Car Insurance in Florida: Detailed Price Guide"},"content":{"rendered":"

Car insurance is a must-have for drivers in Florida. Residents are required to maintain a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability.<\/p>

Whether you rely on I-4 or I-95 for your daily commute, it\u2019s important to ensure you\u2019re properly covered while on the road. <\/p>

According to Bankrate data, the average Florida driver will spend about $3,183 for full coverage per year, much higher than the national average of $2,014 per year.  <\/p>

Floridians can greatly benefit from comparison shopping for their car insurance coverage. <\/p>

Minimum auto coverage requirements in Florida<\/strong><\/span><\/h2>

Florida’s minimum car insurance requirements are $10,000 of personal injury protection (PIP) and the same amount of property damage liability. This is less insurance than what most other states require, and it’s set by the Florida Office of Insurance Regulation.<\/p>

Coverage<\/th>Limit<\/th><\/tr><\/thead>
Personal injury protection (PIP)<\/td>$10,000 per accident<\/td><\/tr>
Property damage liability (PDL)<\/td>$10,000 per accident<\/td><\/tr><\/tbody><\/table><\/figure>

Bodily injury liability and uninsured motorist coverage come standard with your policy. You can reject them in writing, but that’s not recommended. The minimum limits you can get for either are $10,000 per person and $20,000 per accident.<\/p>

Florida SR-22 and FR-44 policies<\/strong><\/h3>

If you cause an accident that injures another person or get a DUI, you have to buy extra coverage with higher limits. This is called SR-22 or FR-44 insurance, and the rules are under the Florida Financial Responsibility Law.<\/p>

SR-22 insurance requirements in Florida<\/strong><\/h4>

After accidents that result in any amount of injury, drivers are required to file SR-22 insurance. This is often referred to as a certificate of financial responsibility. In addition to Florida’s no-fault requirements, SR-22 insurance requires:<\/p>