Car Insurance Florida

According to Bankrate, the average cost of auto insurance in Florida is $300 per month for full coverage and $93 per month for minimum coverage.

Florida’s high insurance costs are likely due to a combination of factors, including the state’s severe weather, no-fault insurance system, a high number of uninsured drivers, and heavy traffic and accidents in major cities like Miami and Orlando.

No, comprehensive and collision insurance is not required in Florida.

Yes, the state requires you to have car insurance to register your vehicle.

You need to have at least the state’s minimum coverage to drive in Florida. However, that may not be enough to cover all expenses in the event of a serious accident. It’s always a good idea to evaluate your personal circumstances and consider more than the bare minimum to ensure you’re fully protected on the road.

No, you can’t have out-of-state insurance if you live in Florida.

Mercury provides some of the best auto insurance in Florida when it comes to coverage that fits your specific needs and your budget. Our flexible coverage allows you to bundle coverage, get discounts based on your driving record, and reach out to our local network of Florida agents.

You need to work with your insurance agent to determine whether you have enough coverage in the event of an accident. Florida law currently requires minimum coverage of $10,000 in personal injury protection and $10,000 in property damage liability, but those limits may leave you unprotected given high accident costs or uninsured motorists.

Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) coverage for all registered vehicles, which pays 80% of medical bills and 60% of lost wages regardless of fault. However, that’s the baseline; accidents can quickly exceed that amount, so a good rule of thumb is to carry at least $50,000 in PIP so you’re covered.

Florida law requires a minimum of $10,000 in Property Damage Liability (PDL) coverage. This pays for damage you cause to someone else’s property like vehicles, fences, or buildings in an at-fault accident. Speak to an agent about adding more coverage so you won’t be left footing the bill if the accident exceeds the minimum PDL amount.

No, Florida is one of the few states that does not require bodily injury liability coverage as a standard minimum for all drivers. Only Personal Injury Protection (PIP) and Property Damage Liability (PDL) are mandatory. Adding bodily injury liability coverage can help you pay for lost wages, legal fees or medical expenses if you cause an accident.

Yes, it’s possible to get car insurance in Florida if you don’t have a driver’s license. For example, you might own a car but have a designated driver. If you’re in this situation, contact an insurance agent who can help guide you through the process.

To lower your car insurance in Florida, compare quotes from multiple insurers to find the best rates. You can also take advantage of discounts, such as bundling your auto and home insurance. Additionally, choosing a higher deductible can reduce your premium, though it means paying more out-of-pocket in the event of a claim.

If you fail to maintain continuous insurance coverage, even if the vehicle is not being driven, your driver’s license and license plate can be suspended for up to three years. Additionally, if you cancel your insurance without surrendering your license plate first, you'll face reinstatement fees, which can be as high as $500.

You may be able to purchase a car, but you can’t drive it since the state requires you to have auto insurance to register a vehicle and drive legally.

Yes, in Florida, there’s a 30-day grace period for paying your car insurance premium after the first payment. This means that if you miss a premium payment, you have up to 30 days to make the payment without losing coverage.

Here are some helpful resources for Florida drivers:

• Mercury Florida Agents
• Florida Highway Safety & Motor Vehicles
• The Florida Bar
• Florida Department of Motor Vehicles
• Florida Online Department of Motor Vehicles

Mercury’s car insurance discounts in Florida include the following:

• Multi-car: Save up to 17%
• Accident-Free for 3 years: Save up to 9%
• Paid in Full: Save up to 12%
• AutoPay: Save up to 3%
• E-Signature: Save up to 3%
• New Business 5-Year Accident-Free: Save up to 17%

Consider collision and comprehensive coverage if your vehicle is newer, valuable, or you’re in high-risk areas with hurricanes, theft, flooding or heavy traffic, as they cover non-collision damage (theft, weather, animals) and at-fault crashes respectively. These types of coverage can help prevent large out-of-pocket costs.

To compare car insurance quotes in Florida, gather three to five quotes, inputting the same details for your vehicle, driving history and coverage needs. Look beyond price at customer service ratings, discount eligibility and regional factors like Miami traffic or hurricane risks to find the best option that fits your budget and protection level.

Yes, you can drive with just the minimum insurance. But when getting auto insurance quotes in Florida, it can pay off in the long run to ask about raising the minimum coverage or adding additional coverage, such as bodily injury liability or comprehensive coverage.

Review your insurance policy at least once a year, ideally 30 to 45 days before renewal, to check for rate changes, coverage gaps or new discounts since premiums can rise due to factors like inflation or claims history. Also review after major life events like adding a driver, buying a new car, moving (especially to hurricane-prone areas) or accidents to ensure you’re adequately protected without overpaying.

Here are the products Mercury offers to Florida residents:

• Florida Auto Insurance
• Florida Umbrella Insurance
• Florida Business Auto Insurance
• Mechanical Protection