Florida Car Insurance Requirements

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Minimum car insurance in Florida

Liability insurance in Florida:

Bodily injury liability insurance is not required in Florida unless you have been found guilty of driving under the influence (a DUI conviction):

  • If the offense took place before Oct. 1, 2007, the minimum required limits were $10,000 per person and $20,000 per accident.
  • If the offense took place after Oct. 1, 2007, the minimum required limits are $100,000 per person and $300,000 per accident.

Property-damage liability is required in Florida. It will cover the damage to others if you cause an accident. So if someone hits your car or property, you can make a claim against their property-damage liability insurance. The minimum property-damage liability you must buy in Florida is:

  • $10,000 for property damage per accident.
  • $50,000 for property damage if you have been found guilty of driving under the influence.

Uninsured/underinsured motorist (UM/UIM) coverage:

  • Uninsured/underinsured motorist coverage (UM/UIM) is not required in Florida. This coverage pays for injuries to you or your passengers from a driver who has no liability insurance or not enough of it. Insurers must offer UM in Florida but you can reject it in writing.
  • If you do buy UM, the minimum coverage is $10,000 per person/$50,000 per accident for injuries.

   More: Cheap car insurance in Florida

No-fault insurance in Florida

Florida has a no-fault insurance system. That means you'll make small injury claims on your own policy, no matter who was at fault. Personal injury protection (PIP) pays these claims.

In Florida, you must buy at least $10,000 in PIP coverage and $5,000 in death benefits.



Optional car insurance in Florida

Liability insurance and PIP won't cover damage to your own vehicle. For example, say you sideswipe a guardrail or hit a sign post. For that, you want collision coverage. Here are more types of insurance.

Collision coverage: For car damage caused by hitting another vehicle or an object, like a tree.

Comprehensive coverage: For car theft or damage to your car caused by fire, weather, vandalism, falling objects, explosions and crashes with animals.

Rental reimbursement: This insurance pays for a rental car when your vehicle needs repairs due to a car accident covered by comprehensive or collision insurance.

You must show an insurance ID card (or other proof of financial responsibility) in Florida when:

  • Law enforcement requests it.
  • You renew vehicle registration.

Penalties for not having car insurance in Florida

  • Failure to maintain mandatory coverage may result in the loss of registration and driving privileges. 

Source: Property Casualty Insurers Association of America

Consumer complaints against the largest auto insurance companies in Florida

Each state handles complaints against insurance companies that operate in the state. A national "complaint ratio" is meant to show the number of complaints against a company relative to its size of business. Shown below are ratios for the largest car insurance companies in Florida.


Florida auto insurance complaints

DUI laws in Florida

First offense

The first DUI offense is a misdemeanor in Florida. If convicted, you may face the following fines and penalties:

  • A fine not less than $500 and not more than $1,000.
  • Imprisonment for not more than six months.
  • If the blood alcohol content (BAC) was .15 or higher, or if there was a minor in the vehicle, a fine not less than $1,000 or more than $2,000.
  • If the BAC was .15 or higher, or if there was a minor in the vehicle, imprisonment for not more than nine months.
  • Driver's license revocation for a minimum of 180 days and a maximum of one year.
  • If you caused an accident with a bodily injury, driver's license revocation for a minimum of one year.
  • If your BAC was .15 or above or there was a minor in the vehicle, installation of an ignition interlock for at least six months.

Second offense

The second DUI offense is a misdemeanor with:

  • A fine not less than $1,000 and not more than $2,000.
  • Imprisonment for not more than nine months.
  • If BAC was .15 or higher, or if there was a minor in the vehicle, a fine not less than $2,000 or more than $4,000.
  • If the BAC was .15 or higher, or if there was a minor in the vehicle, imprisonment for not more than 12 months.
  • If within five years of prior conviction, minimum of five years license revocation. You may be eligible for a hardship reinstatement after one year.
  • If it's been five or more years after a first conviction, the same revocation periods as first offense applies.
  • Installation of an ignition interlock for at least one year.
  • If your BAC was .15 or higher, or if there was a minor in the vehicle, installation of an ignition interlock for at least two years.

Third offense

The third DUI offense in Florida within 10 years of a prior conviction is a third-degree felony with:

  • A fine not less than $2,000 or more than $5,000.
  • If the BAC was .15 or higher, or if there was a minor in the vehicle, a fine not less than $4,000.
  • If the third conviction is within 10 years of a prior conviction, mandatory imprisonment of at least 30 days. At least 48 hours must be consecutive.
  • Minimum 10 years license revocation. May be eligible for hardship reinstatement after two years.
  • Installation of an ignition interlock for at least two years.

Third offense (more than 10 years from the second conviction)

If you're convicted of a DUI offense in Florida that is more than 10 years after a prior conviction, you may face:

  • A fine not less than $2,000 or more than $5,000.
  • If the BAC was .15 or higher, or if there was a minor in the vehicle, not less than $4,000.
  • If the third conviction is more than 10 years of a prior conviction, imprisonment for not more than twelve months.
  • The same license revocation periods as a first offense applies.
  • Installation of an ignition interlock for at least two years.

Fourth or subsequent offenses

If convicted for a fourth or subsequent offense, you may get:

  • A fine not less than $2,000.
  • If the BAC was .15 or higher, or if there was a minor in the vehicle, not less than $4,000.
  • Imprisonment for no more than five years.
  • Mandatory permanent license revocation (regardless of when your prior convictions occurred). You may be eligible for hardship reinstatement after five years. If you're incarcerated, the license revocation period begins upon the date of release from incarceration.
  • Installation of ignition interlock for at least five years (as a condition of a hardship license).

Refusal of chemical tests in Florida

A refusal is admissible as evidence in DUI criminal proceedings in Florida. If you refuse to submit to a breath, blood or urine test:

  • First refusal may result in a license suspension of one year.
  • A second or subsequent refusal is a misdemeanor of the first degree.
  • Second or subsequent refusals may also result in a license suspension for 18 months.

DUI penalty sources: Florida Department of Highway Safety and Motor Vehicles and the National Conference of State Legislatures

Distracted driving laws in Florida

Prohibits drivers from using hand-held cell phone while driving

No

All cellphone ban

No

All cellphone use banned for novice drivers

No

Text messaging ban while driving

All drivers

Source: Governors Highway Safety Association


Updated July 9, 2018

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