Like most states, Florida auto insurance law requires that automobiles be covered by a liability policy. Florida is a No-Fault State, which means the insurance company will automatically pay for the damages despite who is at fault for the auto accident, based on your policy limits. With no-fault insurance coverage, the insured gives up the right to sue the other party for damages, therefore reducing the amount of court cases involving auto accidents. Auto insurance premiums in no-fault states tend to be somewhat lower than states that do not follow this system.
The minimum auto liability requirements in Florida are:
- $10,000 for property liability coverage for damage caused in an auto accident
- $10,000 per person for personal injury; $20,000 maximum per auto accident
Higher levels of coverage are also available and often recommended. In Florida, the average auto insurance premium is $1,476. Complete LocalInsuranceQuoteOnline.Com’s online form to compare local auto insurance rates in your local area.
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