Currently, Florida has the lowest car insurance requirements of any state.
To register a car you must have a Florida-based car insurance policy covering $10,000 in property damage liability and $10,000 in personal injury protection (PIP). We strongly recommended that you also purchase bodily injury liability coverage. While not required by the state, many car insurance companies require it as part of any policy they issue in Florida.
Here's why: Florida is a no-fault state. Treatment for any injuries you suffer is covered by your personal injury protection, up to its limit, regardless of who caused the accident. If bills exceed that limit, the at-fault driver is legally personally responsible unless he or she has bought bodily injury liability coverage.
What's worse, even though bodily injury liability isn't mandated by the state to register a car, the Florida Financial Responsibility Law could force you to buy it after a serious accident or traffic violation.
If you buy bodily injury liability coverage, the smallest amount you can buy is $10,000 per person (up to $20,000 per accident). Homeowners and those with substantial assets need more than that.
Hurricanes and tropical storms threaten Florida each year. Comprehensive coverage will repair the damage to your vehicle -- but you can't wait too long to buy it. Make sure to get the coverage in effect before a storm warning is issued.
No-deductible windshield repair or replacement
In an effort to get drivers to repair cracked or damaged windshields, Florida state law says that your comprehensive coverage deductible isn't applicable for damage to the windshield.
If a vehicle is in Florida for more than 90 days during a 365-day period (the days do not have to be consecutive) you must purchase PIP and property damage liability limits of at least the state minimum limits. See "Car insurance for snowbirds" for more information.
Uninsured motorist penalties for Florida
You may have to pay a $30 fine and your registration and license may be suspended and your plates confiscated. You may also be required to file an SR-22 form. If your license and registration are suspended, you will have to pay a $150 reinstatement fee upon renewal.
Seat Belt Law
If you're a driver or passenger and are ticketed for a seat belt violation, you will not get a point on your record; however, if the ticket is for a child restraint offense, it comes with three points. The fine is $30 for adults and $60 for children, plus administrative and court costs.
Registrations issued in your name expire at midnight on the day of your birth date, except for mobile homes and commercial vehicles. The fine for a tag that is expired for less than six months is around $100 and a tag expired six months or more can come with jail time up to 60 days and/or a fine of up to $500.
Florida is notorious for car insurance fraud. It has more questionable claims than any other state, with con men frequently taking advantage of its no-fault insurance law, which requires all drivers to carry $10,000 in personal injury protection coverage for injuries suffered in a car crash.
Proof of insurance via smartphone
Florida is one of 31 states that allow drivers to show electronic proof of insurance during a traffic stop.
Largest car insurance companies in Florida by market share
||Company / Group
||Direct Premiums Written ($)
||Market share (%)
||Berkshire Hathaway Insurance
||State Farm Group
||Progressive Insurance Group
||Allstate Insurance Group
||Liberty Mutual Insurance Companies
||Farmers Insurance Group
||Infinity P&C Group
|Source: A.M. Best market share rankings are based on direct premiums written in 2013.