Florida Car Insurance companies boasts nearly 14 million licensed drivers on the road. With year long summer weather, there’s always a good excuse to undertake a scenic road trip across the panhandle state.  

However before heading out on the road, it’s important to familiarize yourself with all of the necessary driving requirements. Failure to produce proper documents, may land you hefty fines, a suspended license, or even jail time. 

Minimum Car Insurance Coverage

The law in Florida requires all drivers to possess car insurance coverage. It is not necessary to own extensive collision coverage, although it is recommended to avoid monetary loss. The minimum amount of coverage should at least cover: 

  • $10,000 bodily injury coverage or $20,000 for all persons involved
  • $10,000 property damage coverage 
  • $10,000 personal injury protection 

Florida is a no-fault state which means that your personal injury claims will be covered regardless of fault in the crash. In this system, there is nothing to be gained by suing for personal damages in a vehicular crash. 

Insurance Premiums 

Any licensed driver in the state of Florida is obligated to own car insurance. However not all drivers end up paying the same for their coverage. There are many factors that may influence the price of your insurance premium: 

  • Personal driving record 
  • Driver’s age and gender 
  • Car make and model
  • Driving experience

Along with other important considerations, insurers may also use credit score in the estimation of a car insurance quote. In order to avoid overpaying, be sure to shop around and compare rates across insurers along with inquiring about available discounts for safe driving and bundling savings. 

Florida Driving Legislation

It is the duty of the licensed driver to stay up-to-date on the new road laws such as red light cameras and texting ban while driving, which may impact your car insurance coverage premiums. 

Be sure to contact an experienced attorney in the realm of Florida road rules or regulations if you have any questions or concerns regarding new driving legislation and its impact on the road.