Cheap Car Insurance in Florida
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Car insurance requirements for Florida drivers
The basics of Car insurance in Florida
You don’t need to live in Florida to know why all drivers must have at least a certain amount of car insurance. Nearly every state, except New Hampshire, has car insurance laws that drivers must follow.
It’s a legal responsibility to cover any damages and injuries you cause to other drivers. Every state has its minimum amount of coverage.
The required coverage is state minimum liability insurance. This is the most basic type of Florida car insurance covering any damage or injuries you are at fault for after an accident or collision with another driver. When people refer to basic car insurance, this is the coverage they are referring to.
Not carrying car insurance or driving uninsured can result in severe penalties that can even result in losing your driving privileges. The good news is that you have several local and national car insurance companies to choose from in Florida.
Minimum requirements for Car insurance in Florida
Florida is known for having some of the lowest required coverage for its drivers. Still, that doesn’t mean you should settle for the minimum. Drivers in Florida must carry at least the following in coverage:
Personal injury protection (PIP): $10,000
Property damage liability: $10,000
Florida is quite different from other states regarding the basic insurance they require. Rather than have car insurance that covers damage you would cause to others, Florida drivers carry car insurance that insures themselves like PIP.
Only property damage liability would cover damages and no injuries that you cause to another. Of course, paying far more than the minimum required amounts is highly recommended, as more than $10,000 is rarely enough to cover every damage.
How Florida drivers are penalized for driving without Car insurance
States everywhere crack down on drivers without car insurance, Florida is no exception. It won’t be long until you are found out and promptly charged. Each uninsured offense brings more severe penalties, so it always helps to ensure you have car insurance before hitting the Florida roads.
These penalties include:
First-time offenders driving uninsured in Florida are subject to a driver’s license suspension of up to one year and a reinstatement fee of $150.
Second-time offenders who drive uninsured in Florida are subject to a driver’s license suspension of up to two years and a reinstatement fee of around $250, along with SR22 requirements for three years.
Third-time offenders who drive uninsured in Florida are subject to a driver’s license suspension of up to three years and a reinstatement fee of around $500, along with SR22 requirements for three years.
Cheap car insurance in Florida for basic coverage
The whole point of the car insurance business is to compete for the lowest rates in town, even in states where drivers pay much more than average for car insurance coverage. Finding such rates takes a lot of time and comparison when shopping for car insurance.
Shopping around for Florida car insurance is one of the most important things you can do when finding the cheapest car insurance, not just in Florida.
There are several local and national car insurance companies for drivers, each with its pricing. Of course, how much you pay for car insurance also depends on some personal factors.
How much does Car insurance cost in Florida?
Florida car insurance costs much more than the national average. This is primarily due to Florida not being an at-fault state and the reliance on drivers' appropriate coverage of their own.
Basic coverage alone costs a lot in Florida, at an average cost of $2,313 annually. Full or Comprehensive car insurance coverage in Florida can cost upwards of $6,685 annually. This is some of the most expensive insurance in the country. Why is this the case for drivers in Florida? The factors below explain why.
How traffic violations can raise your Car Insurance in Florida
An accident, in general, can increase your car insurance rates by 4% in Florida.
One PIP claim won’t increase your car insurance rates in Florida, but at least two will increase it by 7%.
A speeding ticket can increase your car insurance rates by 8% in Florida.
Reckless driving can increase your car insurance rates by 38% in Florida.
Street racing can increase your car insurance rates by 71% in Florida.
A DUI can increase your car insurance rates by 72% in Florida.
Driving with a suspended license in Florida can increase your rates by up to 50%.
An SR-22 or FR-44 requirement can increase your car insurance rates by 70% or even double them in Florida.
*These listed increases are more so based on averages than actual cases. The rate increases you may personally experience will differ based on your car insurance company and where you live in Florida.
Cheapest car insurance in Florida for drivers with a DUI
No matter where you go or how you structure it, driving under the influence of alcohol is hazardous and cracked down on everywhere. While drivers with a DUI conviction won’t get the cheapest car insurance, there is still hope for them to find affordable coverage and not break the bank as they work to become safer drivers.
DUIs are highly punishable with fines, suspension of driving privileges, and additional car insurance requirements. Jail time may also be a factor, depending on the offense. A DUI will stay on your driving record in Florida for up to ten years. As previously mentioned, this can make finding affordable car insurance difficult but possible.
Insurance Navy is known for specializing in DUI insurance for high-risk drivers, including Cheap SR22 Insurance filing. We understand that drivers with traffic violations and convictions are doing their best to get better and shouldn’t have to overpay for car insurance. Again, they wouldn’t get the lowest premiums. However, Insurance Navy strives to set a new low-cost average for drivers with a DUI conviction.
SR-22 insurance in Florida
SR-22 insurance, as it’s often called, isn’t a type of car insurance. Instead, it’s a certification that a high-risk driver, like someone with a DUI conviction, carries car insurance.
An SR-22 is usually filed with the state DMV; in this case, it would be Florida. However, Florida has a notable difference because it has SR-22 and FR-44 insurance requirements requirements for high-risk drivers.
Florida SR-22 insurance will be required if you have committed a traffic violation like driving without insurance or reckless driving. An FR-44 would be needed if you were driving under the influence.
Both have the same function. As a high-risk driver, you will already pay more than average for car insurance. SR-22 and FR-44s are renewed annually and maintained for about three years. As previously mentioned, Insurance Navy proudly offers SR-22 and FR-44 services.
What you can do to save money on Car insurance
Car insurance is a business; like any business, there are car insurance discounts for great customers. You can apply for discounts when it comes to car insurance in several ways. You may qualify for one you may not have known existed, like a green car discount for hybrid and electric vehicles.
There are also ones you can get involved with, like a safe driver discount, anti-theft discount, or one for paying for your coverage all at once rather than monthly. While you can’t change certain factors like your age, you can take control of things like your driving record or credit score.
Avoid Car insurance lapses
Whether buying a new car or getting new insurance, you should always ensure that you never go a minute with car insurance. Insurance companies look at your coverage history and are sure to notice gaps or lapses in car insurance coverage.
It always helps to stay on top of your car insurance coverage and validity during times like that. It may end up saving you.