Getting car insurance in Florida
The southeastern most state in the United States, Florida is known as much for its beautiful weather as it is for its vacation destinations and theme parks. The Sunshine State has earned its nickname. It's the third most populous state in the country and home to multiple cities with more than 1 million people, including Miami, Orlando, Jacksonville and Tampa. In addition to plenty of warm weather, Florida is home to multiple professional sports teams, the Florida Keys and Everglades. The state is bordered by the Atlantic Ocean, Caribbean Sea and Gulf of Mexico. Getting around the state is easy, thanks to Interstates 75, 95, 4, 10 and 275.
Ways to save on Allstate auto insurance in Florida
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Florida car insurance state minimums
Finding the right car insurance for you means staying up to date on Florida requirements. The table below lists the coverages and minimum coverage limits that are required in Florida. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
Not in Florida? Check your state requirements to determine your auto insurance needs.
|
Coverage type
|
State requirements
|
|---|---|
|
Bodily injury liability |
Not required |
|
Property damage liability |
$10,000 limit |
|
Uninsured motorist |
Not required
|
|
Underinsured motorist |
Not required
|
|
Personal injury protection |
$10,000 limit
|
|
Collision |
Not required¹
|
|
Comprehensive |
Not required¹
|
Insurance coverage is subject to the coverage limits stated in your policy.
¹Although Florida law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Other types of car insurance coverage in Florida
Allstate also offer these other types of car insurance coverage:
- Roadside coverage
- Ride For Hire®
- Rental reimbursement coverage or transportation expense coverage
Learn about these and other car insurance coverage types available.
Florida car insurance discounts
It's possible to get quality coverage at a lower rate than you might think. When you get a quote for Florida auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Multiple policy
- Responsible payer discount
- Good student discount
- Student away at school discount
- Anti-theft discount
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
How much does an auto insurance policy cost in Florida?
According to Bankrate, the average annual cost for minimum coverage is $1,308. For full coverage insurance, the average annual cost is $3,950.
Some factors that impact your car insurance rates in Florida
In addition to selecting the coverages, limits and deductibles that's right for you, these factors could also affect your car insurance rates in Florida:
- The type of car you're insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like zip code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium.
Florida's rules on electronic proof of insurance
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In Florida, you are allowed to show an electronic copy of your insurance card on your mobile device.
You can use the Allstate mobile app to access a digital ID card.