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Getting Car Insurance Quotes in Florida
Getting car insurance quotes in Florida can be a straightforward process when you have the right information ready.
What You'll Need
- Driver’s license information
- Vehicle details (make, model, year, VIN)
- Driving history
- Current coverage (if any)
- Preferred coverage limits and deductibles
Understanding Florida’s Minimum Car Insurance Requirements
Florida law requires every driver to carry a minimum level of coverage. These minimum car insurance requirements are set by the state and enforced by the Florida Department of Highway Safety and Motor Vehicles. Florida is a no-fault state. That means your own insurance pays for your medical bills after an accident, no matter who caused it, up to your policy limit.
Here are the two required coverages:
Here are the two required coverages:
PIP insurance in Florida covers 80% of your medical expenses after an accident, up to $10,000. It also helps with lost wages and certain other costs related to injuries. This coverage helps protect you and your passengers. Florida requires PIP so drivers can get medical care quickly without waiting for fault to be determined.
PDL pays for damage you cause to someone else’s property, such as their car, fence, or building. If you’re at fault in an accident, this coverage helps cover repair or replacement costs. Florida requires PDL to help reduce financial disputes after accidents.
For more details, you can review the official requirements from the state through the FHSMV website.
While these minimums meet legal standards, they may not be enough to cover serious accidents. Many drivers choose higher limits for better protection and peace of mind.
While these minimums meet legal standards, they may not be enough to cover serious accidents. Many drivers choose higher limits for better protection and peace of mind.
Types of Car Insurance Coverage Available in Florida
Beyond the minimum requirements, there are several coverage options that can give you stronger protection on the road. Kemper offers flexible policies designed for everyday drivers and families.
Required Coverage
Personal Injury Protection (PIP)
Covers 80% of medical expenses up to $10,000
Property Damage Liability (PDL)
Covers damage to other people’s property
Optional but Recommended Coverage
- Bodily Injury Liability (BI): Helps pay for injuries you cause to others. While not required for most drivers, it is strongly recommended due to high medical costs
- Uninsured/Underinsured Motorist (UM/UIM): Protects you if the other driver doesn’t have insurance or doesn’t have enough coverage
- Collision Coverage: Pays to repair your car after a covered accident, regardless of fault
- Comprehensive Coverage: Covers non-accident damage like theft, vandalism, fire, or weather events
- Medical Payments Coverage: Adds extra help with medical bills
- Roadside Assistance: Covers towing, battery jumps, lockouts, and other emergencies
Choosing the right mix depends on your budget, your vehicle, and how much risk you’re willing to take.
Finding Cheap Car Insurance in Florida: Costs and Savings
Florida is known for having some of the highest car insurance rates in the country. That’s due to a mix of traffic density, weather risks, and a high number of uninsured drivers.
Factors That Affect Your Rate
- Driver’s age and experience
- Driving record and past claims
- Vehicle type, year, and safety features
- Credit score (where allowed)
- Zip code (higher rates in areas like Miami, Tampa, Orlando)
- Coverage limits and deductibles
- Annual mileage
Florida-Specific Cost Factors
- High uninsured motorist rates (over 20%)
- Hurricane and severe weather risks
- Higher vehicle theft rates in some regions
- Heavy tourist traffic leads to more accidents
- PIP fraud is impacting overall costs
Ways to Save on Cheap Car Insurance in Florida
- Choose flexible payment options with Kemper Auto
- Take advantage of discounts: Paid-in-full discount, prior coverage discount, multi-car discount, multi-policy discount, good driver discount.
- Increase your deductible
- Keep continuous coverage without gaps
Cheap car insurance in Florida doesn’t mean that you shouldn’t get solid protection. A lower price is helpful, but coverage gaps can cost more in the long run.
FR44 Insurance Florida: High-Risk Driver Requirements
FR44 insurance Florida drivers may need after a DUI or similar serious offense comes with stricter requirements than standard coverage.
FR44 Coverage Requirements
$100,000 bodily injury per person
$300,000 bodily injury per accident
$50,000 property damage per accident
FR44 Coverage Requirements
$100,000 bodily injury per person
$300,000 bodily injury per accident
$50,000 property damage per accident
An FR44 is different from SR-22. An SR-22 is typically required for less serious violations, while FR44 is tied to DUI-related offenses. Most drivers need to carry FR44 coverage for about three years. During that time, your insurance company files the form electronically with the state to confirm you meet the requirements.
FR44 insurance is more expensive due to the higher risk level, but it’s necessary to reinstate your driving privileges. Kemper Auto offers FR44 insurance and handles the filing process, helping you get back on the road faster.
FR44 insurance is more expensive due to the higher risk level, but it’s necessary to reinstate your driving privileges. Kemper Auto offers FR44 insurance and handles the filing process, helping you get back on the road faster.
Frequently Asked Questions About Car Insurance Florida
$10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL).
Yes, but rates are usually higher. Kemper offers options for high-risk drivers, including SR-22 and FR44 filing.
No, unless you have a specific high-risk violation. Otherwise, it is strongly recommended due to the high cost of medical care.
You could face license suspension, reinstatement fees up to $500, and possible SR-22 or FR44 requirements.
Only PIP and PDL are required by law. However, lenders typically require full coverage for financed or leased vehicles.
You can get quotes in minutes online, and coverage can often start the same day.
