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Florida Car Insurance

Coverage designed with you in mind

The southeasternmost 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.

When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. See what coverage and coverage limits Florida requires in the table below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

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 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.
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
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required1
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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Related Resources

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.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

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