{"id":836,"date":"2022-03-29T19:27:00","date_gmt":"2022-03-29T19:27:00","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=836"},"modified":"2023-09-22T15:05:24","modified_gmt":"2023-09-22T15:05:24","slug":"florida-car-insurance-requirements-coverage","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/florida-car-insurance-requirements-coverage\/","title":{"rendered":"Florida Car Insurance Requirements and Coverage"},"content":{"rendered":"\n
Car Insurance<\/a> in Florida only requires $10,000 in Personal Injury Protection (PIP) and $10,000 in property damage liability insurance. We say \u201conly\u201d because this is far less than any other state in the nation requires for the minimum amount of liability insurance, except New Hampshire, which does not require any car insurance at all.<\/p>\n\n\n\n For the <\/span><\/span>state-required minimum liability coverage<\/span><\/span><\/a>, the average amount is $1,101 annually. This is probably <\/span>not<\/span> what you will pay, since car insurance rates are dependent on many unique factors, such as where exactly you live, your age, the type of vehicle you drive and, most importantly, your driving record.<\/span><\/span> <\/span><\/p>\n\n\n\n In the 1970s, Florida decided to buck the car insurance trend of requiring <\/span>bodily injury\/death liability insurance<\/span><\/a> and only require $10,000 in <\/span>Personal Injury Protection<\/span><\/a> (PIP). In many no-fault states, PIP is a car insurance requirement in addition to bodily injury\/death. According to sources, state officials hoped people injured in accidents would use their own personal health insurance to pay for most of their medical expenses. They were hoping this would result in lower insurance premiums and reduced personal injury lawsuits arising from crashes.<\/span> <\/span><\/p>\n\n\n\n However, many people find fault with Florida\u2019s required levels, arguing that it doesn\u2019t offer enough protection to anyone involved in a serious wreck. And Florida\u2019s minimum insurance is still fairly pricey, coming in at an average of $1,101 per year. Compared to a sampling of other no\u2013fault states, Kentucky ($748), Massachusetts ($510) and Pennsylvania<\/a> ($427), Florida residents are still paying high premiums. <\/p>\n\n\n\n Many people would like to see Florida\u2019s required insurance laws change, so stay tuned. <\/span><\/p>\n\n\n\nHow Much Does Car Insurance in Florida Cost?<\/h2>\n\n\n\n
Why Does Florida Only Require PIP and Property Damage Insurance?<\/h2>\n\n\n\n