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What is the minimum car insurance requirement for Florida?
What's the minimum amount of car insurance I need in Florida? My partner and I retired here a couple of years ago and have loved the warmer weather, but the car insurance rates are starting to make our budget too tight for us to live comfortably.
Rachel Juillerat · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Congratulations on retiring somewhere warmer! Soft beaches, blue water, waves outside your door–it sounds amazing!
Florida
requires drivers to have a minimum coverage of:- $10,000 for personal injury protection (PIP)
- $10,000 for property damage liability (PDL)
Florida is notorious for having higher than average insurance rates. You and your partner have already experienced this. Because Florida is hit with regular severe weather and natural disasters and has multiple highly-populated cities, insurance companies need to offset these higher risks by making customers (aka you) pay higher premiums.
That doesn’t mean your car insurance rates should make your life uncomfortable. You might qualify for some car insurance discounts, like:
You should also shop around to make sure you’re getting the best rates. It’s possible that there are lower rates with other companies. Try using the
Jerry
app to simplify this process. Jerry compares rates from the top providers and delivers the best deals to your phone in minutes for free. Enjoy those warm beaches, and grab yourself a nice drink to celebrate lower car insurance rates!”
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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