What to Know Before Buying Car Insurance

in Florida

Is Car Insurance Required in Florida?

Vehicle owners in Florida are required by law to have auto insurance that meets or exceeds the state’s minimum requirements. Unlike most states, Florida requires that your own car insurance cover any injuries you may sustain in an accident, even if the accident was not your fault. The at-fault driver is, however, responsible for covering any property damage they may cause.

More Florida car insurance facts

  • Every year, Florida drivers receive about $12 million in claims.
  • There are nearly 400,000 vehicle accidents in Florida each year.
  • Most accidents in Florida occur in daylight during clear weather. 
  • Fridays are the most common day for accidents in Florida.

Average Cost of Car Insurance in Florida

The average American driver pays $1,311 per year for car insurance. In Florida, drivers pay an average of $1,742 each year. Take time to compare quotes to make sure you get the best deal on auto insurance in your area. Florida's drivers may pay more for car insurance than drivers in many other places, but independent insurance agents can help you score lower rates than you might pay if you shop on your own.

Florida's Average Cost of Car Insurance Per Year

Average cost of car insurance per year in Florida

Why Choose an Independent Insurance Agent?

  • Independent agents are not tied to a single insurance provider
  • Local insurance agents have close ties to your community
  • Your agent can make shopping for the best rate stress-free

Find an independent agent in Florida

My old insurance company was not being responsive when it came to my needs, so I got frustrated. I started my research on Google, and TrustedChoice was the first one that came up. I called and their rep was super responsive and friendly on email and phone. The agents from TrustedChoice looked into the options closely, and found what I needed.

five stars Dimitra of Boca Raton, FL Consumer Affairs

What Does Your Car Insurance Policy Cover? 

Your car insurance policy is designed to afford you the coverage you need if you are in a collision or if your vehicle is otherwise damaged.  In addition to the required liability coverage and personal injury protection these policies provide, you have access to optional coverage.

  1. Liability insurance: This covers third-party property damage if you are responsible for a collision. Your policy must meet the state’s minimum requirement of $10,000. Bodily injury liability coverage is not required.
  2. Personal injury protection (PIP): This required coverage pays medical expenses for you and your insured passengers if injured in an accident, regardless of fault.  You must have at least $10,000 in PIP coverage.
  3. Collision coverage: This covers repairs to your vehicle if you are in a collision, regardless of fault. It can cover your damage if you crash your car into a cart-return station while pulling out of the Publix parking lot.
  4. Uninsured motorist coverage: This can cover your property damage if you are in an accident caused by an uninsured, under insured, or hit-and-run driver. Your medical bills will be covered by your policy's PIP.
  5. Comprehensive coverage: This covers damage to your car that is not related to a collision. For example, if a  brush fire burns your car or if post-hurricane floodwaters wash it away.

If you are concerned about floods in your area, or if you are in a flood zone, be sure to talk to your agent about flood insurance.

Top Insurance Companies that Support Independent Agents in Florida

There are currently 1,583 independent insurance agents in Florida who are ready to help. These agents can work with several insurance companies to help you obtain and compare a selection of customized car insurance quotes. That way, you can be sure you are getting the coverage you need at a fair and competitive price.

Why go Independent

Why Go Independent when looking for Car Insurance

  • One Call Multiple Quotes
  • Pay Less for More Coverage
  • Expertise in Your Community