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Florida Car Insurance

Having reliable car insurance in Florida is essential, whether you're navigating the bustling streets of Miami or enjoying scenic drives to destinations like Key West and St. Petersburg. The last thing you want to worry about during your travels is if you're properly covered in case of an accident or unexpected event.

Amica offers customized Florida car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Understanding Florida’s auto insurance minimums

In Florida, drivers are required to have personal injury protection (PIP) and property damage liability coverage at the following minimum limits for auto insurance:

  • Personal Injury Protection (PIP)
    • $10,000 per accident
  • Property Damage Liability Coverage
    • $10,000 per accident

Personal injury protection (PIP): This covers medical expenses and lost wages if you or your passengers are injured in an accident, regardless of fault. Coverage includes necessary medical bills, funeral expenses and loss of services. 

Property damage liability coverage: This is coverage for damage to someone else's property that you’re responsible for causing in an auto accident. It can apply to the damage of the other person’s vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitations and exclusions. 

Amica offers additional liability coverage with the following minimum limits:

  • Bodily Injury Liability Coverage
    • $10,000 per person
    • $20,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident where you’re at fault. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to certain limitations and exclusions.

It’s important to understand that these are just the minimum requirements, and Florida drivers may choose higher coverage limits for added protection.

Additional Florida car coverage considerations

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Florida drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars. 
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
  • Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you’re hurt in a car accident and the responsible party either doesn’t have insurance, or doesn’t have enough insurance. 
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your lease or loan and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your car unstuck from the mud. 
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Key factors impacting Florida car insurance rates

There are several factors that impact auto insurance in Florida, including individual circumstances, location, claims in your state and more. Consider these points:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Drivers in Florida with a history of accidents or traffic violations typically face higher rates, while those with clean records may see lower rates.
  • Coverage options and limits: Opting for the state-mandated minimum coverage in Florida tends to be more affordable, whereas adding optimal coverages with higher limits may increase premiums.
  • Vehicle type: Factors such as the make and model of your vehicle, safety rating and repair costs all influence your car insurance premiums in Florida.
  • Weather patterns: Weather-related incidents in Florida impact car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of these reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Florida auto insurance discounts

Amica offers various auto insurance discounts to help Florida policyholders save money on their premiums.1 Here are some ways you can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Florida policy premium up front.

If you’re a Floridian in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.1

Facts and figures about Florida

Fun facts about Florida:

  • Florida is known for hosting the Daytona 500, an annual NASCAR race held every February since 1982 at the Daytona International Speedway in Daytona Beach.2
  • Everglades National Park is the largest tropical wilderness in the U.S., spanning 1.5 million acres across three counties, making it larger than the state of Delaware.3
  • Gatorade was named after the University of Florida Gators. It was developed by scientists following a request from the football head coach to help athletes replace fluids lost during physical exertion.4

Facts about driving in Florida:

  • Florida has fitting stations where parents and caregivers can go to learn how to use child safety seats, booster seats and seat belts correctly.5
  • Florida law states that a driver must move out of the left lane when being overtaken from behind by another vehicle traveling at a faster speed.5
  • Floridians with a valid driver’s license or identification card can register up to two emergency contacts in Florida’s Emergency Contact Information (ECI) system. The system is securely managed and may be accessed solely by law enforcement authorities in case of an emergency.5

How to get car insurance in Florida

We’re here to guide you through the process of personalizing your car insurance in Florida. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Florida drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Florida drivers can hit the road with confidence, knowing they’re prepared for any situation may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary. 
2 Daytona 500
3 National Park Service Everglades
4 Florida Facts and Trivia
5 Florida Highway Safety and Motor Vehicles
  

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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