cheap auto insurance florida, best auto insurance in florida, auto insurance companies in florida, best auto insurance companies in florida, florida auto insurance laws, affordable auto insurance florida, florida auto insurance requirements, auto florida, top auto insurance companies in florida, cheap auto insurance companies in florida, florida personal auto insurance, auto insurance carriers in florida, compare auto insurance florida, florida no fault auto insurance, lowest auto insurance in florida.
Florida Auto Insurance finding the right auto insurance for you means staying up-to-date on States requirements. From legal regulations to common coverage levels for Allstate policyholders in your area. We have the helpful information you need to get the protection you deserve. Contact an agent to better understand the different types of coverage in your area. The insurance rate you are gives is base on many factors including your driving record, your age, where you live, and the kind of car you drive.
Florida Auto Insurance you drivers license is in good status you will be eligible for better rates and if you live in a busy the city your insurance rates will be higher than smaller, less congested towns. Florida Auto Insurance providers do not figure their rates the same way so you will receive different rates for the same driver.
Best Auto Insurance Companies in Florida
GEICO, State Farm, and Progressive, three of the largest companies in Florida. Perform better than average as well with underweight complaint index numbers. At the other end were Direct General, Equity Florida Auto Insurance Company. And Windhaven, which received the most complaints relative to their market share size.
|Rank||Company||Premiums||Market Share||Complaint Index|
|4||Florida Farm Bureau||113,513,117||0.8%||0.4175|
|26||Imperial Fire & Casualty||39,166,251||0.3%||6.0494|
|27||Ocean Harbor / Pearl Holding Group||117,529,782||0.9%||6.3166|
|29||Equity Ins Co||36,578,553||0.3%||7.7729|
FL Auto Insurance Requirements
Florida is a no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy’s limits.
The minimum limits for Florida car insurance coverage are:-
- $10,000 of no-fault or personal injury protection (PIP) insurance.
- $10,000 of property damage liability (PDL) insurance.
Personal Injury Protection
In addition to covering your part of any medical expenses and income loss that result from a car accident, your Personal Injury Protection, or PIP, insurance will also cover:
- Your child and other members of your household.
- Your child (when he or she is riding on a school bus).
- You (when you are a pedestrian or bicyclist involved in a car accident.)
- Passengers in your car who do not have their own PIP insurance and do not own a car.
Anyone in your car who has PIP car insurance will be covered by his or her own policy if you get in a car accident. Likewise, your PIP car insurance will cover you while you are a passenger in someone else’s car.
Property Damage Liability
Property Damage Liability (PDL) auto insurance in Florida will cover you for damages you cause in a car accident to someone else’s property, such as homes or buildings.
Violation Penalties and Fines
The Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires your insurance company to electronically notify them if there is a cancellation of your insurance policy.
If the DHSMV has no record of your current car insurance policy, you will be notified by mail. The notification will give you a date of suspension. If you are not able to provide the DHSMV a proof of insurance before the suspension date, your driver’s license, plates, and registration will all be suspended.
To reinstate these, you will have to provide proof of Florida auto insurance and pay a fee of:-
- $150 for your first offense.
- $250 for your second offense.
- $500 for each offense after.
If you are able to provide proof of insurance to the DHSMV before the date of suspension, you will not face any penalties.
You can provide your proof of insurance:
- Online at the.
- By phone at (850) 617-2000.
When you get a commercial auto policy you will have greater liability coverage as well as additional protections not covered by a personal policy. Commercial coverage will cover you and any employe you may have when driving other vehicles, even if they aren’t owne your company. It can also have options for covering additional items that may be lost or destroyed in an accident as long as they are business related, like tools, for instance.