Obligation Online Florida

Florida Auto insurance quotes

  • Bodily Injury $10, 000 per person
  • Bodily Injury $20, 000 per accident
  • Property Damage $10, 000 per accident
Optional coverage in Florida (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Florida and pays for damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident under the property damage portion of your policy. Although bodily injury coverage can technically be rejected, it is normally considered vital to a basic policy to pay for injury that you may cause to another driver or their passengers should you be considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Florida, the minimum is listed as 10/20/10 and explained below:

$10, 000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$20, 000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10, 000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection of $10, 000 per person is required in Florida and will cover up to 80% of medical costs and up to 60% of work loss if you are injured in an accident and are not able to work. Even things like laundry and maid services can be covered under your PIP coverage if you are unable to perform day-to-day tasks and this also extends to members of your household.

Although Florida is a “no-fault” state, drivers can be sued for severe injury, permanent disfigurement, or death that they cause in the event of an accident. Drivers can protect themselves from these lawsuits by choosing bodily injury liability coverage to meet their needs.

These numbers reflect the minimum limits required in Florida but higher coverage amounts are available with most companies.

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Florida Car Insurance Companies

The Zebra compares over 200 companies & 1, 800 products, so you can save way more than 15%.

If you happen to find yourself pulled over by a police officer in Florida you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Uninsured Drivers in Florida




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Florida cities?

Rank City Avg. Annual Premium
$3, 559
Miami Gardens $3, 213
$3, 209
Miami Beach $2, 983
Miramar $2, 656
West Palm Beach $2, 652
$2, 584
Hollywood $2, 578
Pompano Beach $2, 569
10 Fort Lauderdale $2, 525
11 Coral Springs $2, 524
12 Davie $2, 498
13 Pembroke Pines $2, 456
14 Brandon $2, 345
15 $2, 241
16 Clearwater $2, 216
17 Spring Hill $2, 081
18 $2, 049
19 $2, 000
20 Port St. Lucie $1, 955
21 Cape Coral $1, 879
22 Lakeland $1, 864
23 Palm Bay $1, 768
24 Tallahassee $1, 766
25 Gainesville $1, 663

Florida Texting and Driving Laws

  1. Ban on text messaging for all drivers


Per Year in Florida
Annual DUI Arrests
61, 852
US Average


Blood Alcohol Content


Nationally, For First Offenders

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