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Florida Auto Insurance

Coverage designed with you in mind

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.

Contact a Florida Allstate agent to better understand the different types of coverage in your area.



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State Map

Auto insurance requirements are based on your location. You're looking at auto requirements in Florida. Pick a new state to see its laws:

Coverage Type
Florida Requirements1
Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
Not required
Property Damage Liability
Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.
$10,000 limit
Uninsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Underinsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.
Grouped with uninsured motorist coverage
Personal Injury Protection
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
$10,000 limit
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required2
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
Not required2


All coverages are subject to the coverage limits stated in your policy.

1http://www.flhsmv.gov/ddl/frfaqgen.html

2Although 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.

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State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.

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