How do you choose the car insurance that is right for you when there are so many companies offering auto insurance in Florida? Whether you live in Jacksonville, Orlando, Ft. Lauderdale or Christmas, Allstate offers a wide selection of auto insurance policies, optional insurance coverages and other insurance products just for Florida. And when your auto insurance needs change, your local Allstate agent will help you make the right choices. If you have a teen driver, there are some additional considerations your local Allstate agent can help you with. Refer to the FL's Graduated Driver Licensing chart below for more information.

For more information on this state, visit the Florida State Information or Florida State Catastrophe Information page.

Florida Coverage Scale

Florida auto insurance coverage requirements can be different from other states. The chart below provides a good starting point for learning about the Florida required auto insurance coverage levels and the most common car insurance coverages to make your choice easier.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		Not required*	100,000/300,000

	Property Damage Liability		10,000*	50,000

	Uninsured Motorist Bodily Injury		Not required*	10,000/20,000

	Medical Payments		Not required*	5,000

	Collision		Not required*	500 deductible

	Comprehensive		Not required*	250 deductible

Personal Protection Insurance

Law specifies requirements *

$10,000 medical &
loss of service/
$5,000 funeral services

Personal Injury Protection (PIP)

10,000

* Florida law specifies requirements for each: allowable expense, work loss, necessary services, survivor's loss and funeral expenses.

Florida Graduated Driver Licensing

Help keep your teen driver safe on the road by reviewing the Florida Graduated Driver Licensing (GDL) laws with them. Florida has its own variation of GDL laws that have been proven to save teen lives. We suggest you use these laws to form driving rules for your teen.


	Minimum Entry Age (Optimal: 16)			15
	Minimum Entry Age (Optimal: 16)			15

	Extended Learner Period (Optimal: at least 6 months)			Has optimal provision

	Parent Certification (Optimal: 30 hours minimal)			Has optimal provision

	Night Restriction (Optimal: 9 or 10 p.m.)			Has the provision but it is not optimal

	Passenger Restriction (Optimal: No teenager passengers or only one-family excepted)			Has no provision

	Minimum exit age/ Minimum age at which restrictions are lifted (Optimal: 18)			18, Has optimal provision

Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Alabama, Georgia, Mississippi, North Carolina, Tennessee

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Florida. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

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