Florida Car Insurance


The state of Florida requires its drivers to carry appropriate amounts of automobile insurance, in order to legally operate a motor vehicle in Florida. insurancemozo.com understands the value of important information necessary to find the Best Florida Car Insurance for you. The below information will help you find the cheapest auto insurance in Florida.

What are the minimum Florida car insurance requirement?

Minimum liability requirements in Florida for car insurance are 10/20/10. That means:

$10,000 liability coverage per person for injury
$20,000 liability coverage per accident for injury
and $10,000 for property damage liability(damage to buildings, traffic signs or other party vehicles)

Is Florida No Fault State?

Yes Florida is a no fault state.This means that if you are involved in an accident, your insurance company will pay for any damages to you, regardless of who is at fault. Simply put, if you get into a car accident in florida, your insurance covers you and the other person’s insurance covers them.

Under Florida’s No-Fault Insurance Law, drivers must carry:

$10,000 of personal injury protection (PIP), also known as Florida No Fault Insurance
$10,000 of property damage liability (PDL)

What kind of car insurance discounts are available in Florida?

  • There are various discounts available in Florida such as green car discount, good student discount, good driver discount, safety course discount etc.
  • Please review several discounts available here and ask insurance provider at the time of insurance if you can qualify for one

Alternative Options to Insurance:

Self-insurance certificates are available in Florida if one of the three following conditions are met under Florida Statutes, Title XXIII 324:171:

  • worth of $40,000.
  • You are a person, firm, or other organization that has a minimum unencumbered net worth of $40,000 for the first vehicle and $20,000 for each additional vehicle; or you have a net worth deemed sufficient for you to be financially responsible for any potential losses
  • You are the owner of a commercial vehicle, as defined here.
  • You must qualify by application through the Department of Highway Safety and Motor Vehicles:
  • Neil Kirkman Bldg.
  • 2900 Apalachee Parkway
  • Tallahassee, FL
  • 32399-0500

In Florida, you have the option to use a surety bond or cash deposit instead of insurance if the following requirements are met under Florida Statutes, Title XXIII 324:161:

Cash or securities deposit of at least $30,000
The cash deposit must be made with the Department of Highway Safety and Motor Vehicles

Required Proof of Insurance in Florida

Copy of the insurance policy or an insurance card provided by insurance company including all of the following:

Name of insurance company
Insurance policy number
Effective date/expiration date of policy
Accurate description of year, make/model of registered vehicle
Name of insured driver
Self-insurance certificates are issued by the state and must include the following:

Certificate number issued by Department of Licensing
Effective date of certificate
Accurate description of year, make/model of registered vehicle
Name of driver covered by certificate
Certificate of Deposit
Certificate number issued by State Treasurer
Name of driver covered by certificate of deposit
Liability Bond
Name of company issuing bond
Bond number
Name of driver covered by bond

How do I get a best Car Insurance Quote in Florida?

Your best option to find the most affordable car insurance coverage in Florida is to always start an auto insurance quote comparison search online. Just enter your ZIP code above to get FREE auto insurance quotes today.

Here at insurancemozo.com, we made it our job to find you the most affordable auto insurance quotes for you and your family, so that you won’t have to pay the outrageous insurance prices when you buy auto insurance in Florida.

Florida Office of Insurance Regulation
Office of the Insurance Commissioner – Kevin M. McCarty
200 East Gaines Street
Tallahassee, FL 32399
(850) 413-3140

Car insurance agents in Florida

Select your city from the list below to find local agents in your city:



-   Alachua Car Insurance Agents
-   Altamonte Springs Car Insurance Agents
-   Apalachicola Car Insurance Agents
-   Apopka Car Insurance Agents
-   Arcadia Car Insurance Agents
-   Atlantic Beach Car Insurance Agents
-   Auburndale Car Insurance Agents
-   Aventura Car Insurance Agents
-   Avon Park Car Insurance Agents
-   Bartow Car Insurance Agents
-   Bay Harbor Islands Car Insurance Agents
-   Belle Glade Car Insurance Agents
-   Belleair Bluffs Car Insurance Agents
-   Beverly Hills Car Insurance Agents
-   Boca Raton Car Insurance Agents
-   Bonifay Car Insurance Agents
-   Bonita Springs Car Insurance Agents
-   Boynton Beach Car Insurance Agents
-   Bradenton Car Insurance Agents
-   Brandon Car Insurance Agents
-   Brooksville Car Insurance Agents
-   Callahan Car Insurance Agents
-   Cape Coral Car Insurance Agents
-   Casselberry Car Insurance Agents
-   Century Car Insurance Agents
-   Citrus Springs Car Insurance Agents
-   Clearwater Car Insurance Agents
-   Clermont Car Insurance Agents
-   Clewiston Car Insurance Agents
-   Cocoa Car Insurance Agents
-   Cocoa Beach Car Insurance Agents
-   Coconut Creek Car Insurance Agents
-   Coconut Grove Car Insurance Agents
-   Cooper City Car Insurance Agents
-   Coral Gables Car Insurance Agents
-   Coral Springs Car Insurance Agents
-   Crawfordville Car Insurance Agents
-   Crescent City Car Insurance Agents
-   Crestview Car Insurance Agents
-   Crystal River Car Insurance Agents
-   Dade City Car Insurance Agents
-   Dania Beach Car Insurance Agents
-   Davenport Car Insurance Agents
-   Davie Car Insurance Agents
-   Daytona Beach Car Insurance Agents
-   De Bary Car Insurance Agents
-   Deerfield Beach Car Insurance Agents
-   Deland Car Insurance Agents
-   Delray Beach Car Insurance Agents
-   Deltona Car Insurance Agents
-   Destin Car Insurance Agents
-   Doral Car Insurance Agents
-   Dunedin Car Insurance Agents
-   Dunnellon Car Insurance Agents
-   Edgewater Car Insurance Agents
-   Englewood Car Insurance Agents
-   Estero Car Insurance Agents
-   Fernandina Beach Car Insurance Agents
-   Flagler Beach Car Insurance Agents
-   Fleming Island Car Insurance Agents
-   Fort Lauderdale Car Insurance Agents
-   Fort Meade Car Insurance Agents
-   Fort Myers Car Insurance Agents
-   Fort Pierce Car Insurance Agents
-   Fort Walton Beach Car Insurance Agents
-   Frostproof Car Insurance Agents
-   Fruitland Park Car Insurance Agents
-   Gainesville Car Insurance Agents
-   Gibsonton Car Insurance Agents
-   Greater Sun Center Car Insurance Agents
-   Green Acres Car Insurance Agents
-   Green Cove Springs Car Insurance Agents
-   Greenacres Car Insurance Agents
-   Gulf Breeze Car Insurance Agents
-   Gulf Breeze-Harold Car Insurance Agents
-   Gulfport Car Insurance Agents
-   Haines City Car Insurance Agents
-   Hallandale Car Insurance Agents
-   Hallandale Beach Car Insurance Agents
-   Hialeah Car Insurance Agents
-   Hilliard Car Insurance Agents
-   Hobe Sound Car Insurance Agents
-   Holiday Car Insurance Agents
-   Hollywood Car Insurance Agents
-   Homestead Car Insurance Agents
-   Homosassa Car Insurance Agents
-   Hudson Car Insurance Agents
-   Immokalee Car Insurance Agents
-   Indian Harbour Beach Car Insurance Agents
-   Indiantown Car Insurance Agents
-   Interlachen Car Insurance Agents
-   Inverness Car Insurance Agents
-   Jacksonville Car Insurance Agents
-   Jacksonville Beach Car Insurance Agents
-   Jasper Car Insurance Agents
-   Jensen Beach Car Insurance Agents
-   Jupiter Car Insurance Agents
-   Key West Car Insurance Agents
-   Keystone Heights Car Insurance Agents
-   Kissimmee Car Insurance Agents
-   Labelle Car Insurance Agents
-   Lady Lake Car Insurance Agents
-   Lake City Car Insurance Agents
-   Lake Wales Car Insurance Agents
-   Lake Worth Car Insurance Agents
-   Lakeland Car Insurance Agents
-   Land O' Lakes Car Insurance Agents
-   Lantana Car Insurance Agents
-   Largo Car Insurance Agents
-   Lauderdale Lakes Car Insurance Agents
-   Lauderhill Car Insurance Agents
-   Leesburg Car Insurance Agents
-   Lehigh Acres Car Insurance Agents
-   Lighthouse Point Car Insurance Agents
-   Live Oak Car Insurance Agents
-   Longwood Car Insurance Agents
-   Lutz Car Insurance Agents
-   Lynn Haven Car Insurance Agents
-   MacClenny Car Insurance Agents
-   Madison Car Insurance Agents
-   Maitland Car Insurance Agents
-   Marathon Car Insurance Agents
-   Marco Island Car Insurance Agents
-   Margate Car Insurance Agents
-   Marianna Car Insurance Agents
-   Mary Esther Car Insurance Agents
-   Melbourne Car Insurance Agents
-   Melbourne Beach Car Insurance Agents
-   Merritt Island Car Insurance Agents
-   Miami Car Insurance Agents
-   Miami Gardens Car Insurance Agents
-   Miami Lakes Car Insurance Agents
-   Miami Shores Car Insurance Agents
-   Middleburg Car Insurance Agents
-   Milton Car Insurance Agents
-   Miramar Car Insurance Agents
-   Mt Dora Car Insurance Agents
-   Mulberry Car Insurance Agents
-   Naples Car Insurance Agents
-   New Port Richey Car Insurance Agents
-   New Smyrna Beach Car Insurance Agents
-   Newberry Car Insurance Agents
-   Niceville Car Insurance Agents
-   North Fort Myers Car Insurance Agents
-   North Miami Car Insurance Agents
-   North Miami Beach Car Insurance Agents
-   North Palm Beach Car Insurance Agents
-   North Port Car Insurance Agents
-   Oakland Park Car Insurance Agents
-   Ocala Car Insurance Agents
-   Ocoee Car Insurance Agents
-   Okeechobee Car Insurance Agents
-   Oldsmar Car Insurance Agents
-   Orange City Car Insurance Agents
-   Orange Park Car Insurance Agents
-   Orlando Car Insurance Agents
-   Ormond Beach Car Insurance Agents
-   Oviedo Car Insurance Agents
-   Pace Car Insurance Agents
-   Palatka Car Insurance Agents
-   Palm Bay Car Insurance Agents
-   Palm Beach Car Insurance Agents
-   Palm Beach Gardens Car Insurance Agents
-   Palm City Car Insurance Agents
-   Palm Coast Car Insurance Agents
-   Palm Harbor Car Insurance Agents
-   Palm Springs Car Insurance Agents
-   Palmetto Car Insurance Agents
-   Palmetto Bay Car Insurance Agents
-   Panama City Car Insurance Agents
-   Panama City Beach Car Insurance Agents
-   Parkland Car Insurance Agents
-   Parrish Car Insurance Agents
-   Pembroke Pines Car Insurance Agents
-   Pensacola Car Insurance Agents
-   Perry Car Insurance Agents
-   Pinecrest Car Insurance Agents
-   Plant City Car Insurance Agents
-   Plantation Car Insurance Agents
-   Pompano Beach Car Insurance Agents
-   Ponte Vedra Beach Car Insurance Agents
-   Port Charlotte Car Insurance Agents
-   Port Orange Car Insurance Agents
-   Port Richey Car Insurance Agents
-   Port St Joe Car Insurance Agents
-   Port St Lucie Car Insurance Agents
-   Punta Gorda Car Insurance Agents
-   Quincy Car Insurance Agents
-   Riverview Car Insurance Agents
-   Riviera Beach Car Insurance Agents
-   Rockledge Car Insurance Agents
-   Royal Palm Beach Car Insurance Agents
-   Safety Harbor Car Insurance Agents
-   Saint Lucie West Car Insurance Agents
-   Sanford Car Insurance Agents
-   Sarasota Car Insurance Agents
-   Sebastian Car Insurance Agents
-   Sebring Car Insurance Agents
-   Seffner Car Insurance Agents
-   Seminole Car Insurance Agents
-   Shalimar Car Insurance Agents
-   South Daytona Car Insurance Agents
-   South Miami Car Insurance Agents
-   South Pasadena Car Insurance Agents
-   Southwest Ranches Car Insurance Agents
-   Spring Hill Car Insurance Agents
-   St Augustine Car Insurance Agents
-   St Cloud Car Insurance Agents
-   St Johns Car Insurance Agents
-   St Lucie Car Insurance Agents
-   St Petersburg Car Insurance Agents
-   Starke Car Insurance Agents
-   Stuart Car Insurance Agents
-   Summerfield Car Insurance Agents
-   Sunrise Car Insurance Agents
-   Tallahassee Car Insurance Agents
-   Tamarac Car Insurance Agents
-   Tampa Car Insurance Agents
-   Tarpon Springs Car Insurance Agents
-   Tavares Car Insurance Agents
-   Tequesta Car Insurance Agents
-   The Villages Car Insurance Agents
-   Titusville Car Insurance Agents
-   Trinity Car Insurance Agents
-   Valrico Car Insurance Agents
-   Venice Car Insurance Agents
-   Vero Beach Car Insurance Agents
-   Villas Car Insurance Agents
-   Virginia Gardens Car Insurance Agents
-   Wauchula Car Insurance Agents
-   Wellington Car Insurance Agents
-   Wesley Chapel Car Insurance Agents
-   West Melbourne Car Insurance Agents
-   West Palm Beach Car Insurance Agents
-   Weston Car Insurance Agents
-   Wildwood Car Insurance Agents
-   Wilton Manors Car Insurance Agents
-   Windermere Car Insurance Agents
-   Winter Garden Car Insurance Agents
-   Winter Haven Car Insurance Agents
-   Winter Park Car Insurance Agents
-   Winter Springs Car Insurance Agents
-   Zephyrhills Car Insurance Agents