Coverage designed with you in mind

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.

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.

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Florida car insurance state minimums

Coverage type
State requirements

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.

Not required

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 required¹

Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.

Not required¹

All coverages are 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.

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Drive with quality coverage on your side. Allstate auto insurance can help you stay protected on the road!

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

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 / bundling discount
  • New car discount
  • Early Signing Discount®
  • Responsible payer discount
  • Smart student discount

Review the different types of car insurance discountstailored to you and enjoy savings without cutting coverage.

Insurance bundling discounts

Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you up to 15%*. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.

Factors that can 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 for iPhone® and Android® to access a digital ID card.