Florida Auto Insurance Information
No-fault insurance means all drivers must purchase minimum Personal Injury Protection (PIP) insurance and
Damage Liability (PDL) insurance. The minimums for both PIP and PDL insurance are $10,000. It is wise to opt for
larger minimums if you can afford it.
Personal Injury Protection insurance covers the driver and family members, as well as anyone in the car at the
of the accident who does not have a registered vehicle and PIP coverage. Individuals who do have PIP coverage
to their own insurers if they are injured in your car to pay for their medical bills. PIP also applies to motor
vehicle accidents in which a car strikes a pedestrian or cyclist.
Property Damage Liability insurance does not pay for damages incurred by the insured’s car when property damage
occurs. It is a liability coverage, so it may pay for the dent on the car you hit, but not the dent on their own
While Florida does not require drivers to purchase Bodily Injury Liability (BIL) insurance, it may prove a smart
move. Florida is one of the few states where BIL coverage is not mandatory. BIL covers the medical or funeral
you or a family member may have caused in an accident. Without BIL, assets you own are vulnerable if you get
SR22 Insurance in Florida
For drivers convicted of driving under the influence, driving without insurance, accumulating too many points or
other specific violations, purchasing SR-22 insurance in Florida is necessary for license reinstatement.
SR-22 insurance is required for at least three years. The driver must purchase a policy meeting the minimum
liability limits for the state, and an SR-22 insurance form is submitted by the insurer.
As of July 2019, the Florida Department of Insurance knows if the driver has insurance meeting the minimum
- $10,000 in bodily injury coverage per person in an accident
- $10,000 in property damage coverage for an accident
- $20,000 of bodily injury coverage per accident
Florida has an insurance policy similar to that of the SR-22 known as the FR-44. Such insurance is only required
those convicted of driving under the influence or driving while intoxicated. Because these are serious driving
offenses, the FR-44 minimum liability limits are higher than for SR-22 insurance in Florida. The FR-44 limits
- $100,000 in bodily injury liability per person in an accident
- $50,000 in property damage liability per accident
- $300,000 in bodily injury liability coverage per accident
Most people must carry FR-44 insurance in Florida for at least three years. They can expect their average car
insurance premium to double when FR-44 insurance is necessary. Annual filing fees are also required for both
and FR-44 insurance.
Florida Driver Statistics
With a population of more than 21 million, the Sunshine State is known as an exciting vacation spot, a retirement
haven and a good place to raise kids. While the state includes major metropolitan areas such as Miami, Orlando,
Tampa, and Jacksonville, there are also large swaths of agricultural lands devoted to citrus and other crops.
Demographically, senior citizens make up one-fifth of the population, the same percentage as those under age 18.
That same percentage also makes up the number of foreign-born residents, among the largest in the country.
percent of children speak a language other than English in the home.
Florida Auto Insurance & Accident Facts
Florida has the dubious distinction of the state with the largest number of uninsured drivers. Because of its
tourist industry, drivers unfamiliar with the local roadways are more common than usual, and that also
to accidents. For the years 2013 through 2017, the average daily commute was 27 miles. Florida’s famous good
means people are traveling on its roads in large numbers year-round.
South Florida accounts for the highest number of crashes, approximately one-third of the state. Miami, Broward
Orange Counties lead the list when it comes to crashes, and the leading causes of such collisions include
driving, driving under the influence and inclement weather.