Florida law requires that all drivers have a minimum of personal injury protection (PIP) and property damage liability (PDL) insurance.
PIP covers medical expenses and lost wages in case of an accident, while PDL covers damages to the other driver’s vehicle or property in an accident that you are found to be at fault for.
It is also recommended to have bodily injury liability (BIL) insurance, which covers medical expenses and other damages for the other driver and passengers in the event of an accident that you cause. Additionally, uninsured motorist coverage is also recommended, as it protects you in case you are hit by a driver without insurance.
How much is monthly insurance in Florida?
The cost of car insurance in Florida can vary widely depending on a number of factors, including the type of coverage, the make and model of your vehicle, your driving history, and your age and location.
On average, the cost of car insurance in Florida is around $1,752 per year or about $146 per month. However, rates can be significantly higher or lower depending on the factors mentioned earlier.
It is important to shop around and compare quotes from multiple insurance companies to find the best rate for you. You can use online comparison tools and speak with agents to find the right insurance policy for your needs and budget.
What happens in Florida if you don’t have insurance?
If you are caught driving without insurance in Florida, you may face penalties such as fines and suspension of your driver’s license. The specific penalties will depend on the number of prior offenses and the circumstances of the current infraction.
First offense: You could face fines up to $150, your driver’s license and registration will be suspended for up to 3 years, and have to pay a reinstatement fee of $150.
Second offense: The fines increase up to $250, the license is suspended for up to 3 years, and have to pay a reinstatement fee of $250.
Third and subsequent offenses: The fines increase up to $500, the license is suspended for up to 3 years, and have to pay a reinstatement fee of $500.
Additionally, if you cause an accident and are found to be uninsured, you may be held personally liable for any damages or injuries caused. This means that you may have to pay for the damages and medical expenses out of your own pocket, which can be financially devastating. It is therefore highly recommended to have insurance coverage to protect yourself and others.
