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Florida Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Florida. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Florida.

FL Auto Insurance Laws and Regulations:

Florida Office of Insurance Reg.
200 E. Gaines St.
Tallahassee, FL 32399

Minimum Car Insurance Coverage in FL:

$10,000 for injury/death to one person

$20,000 for injury to more than one person

$10,000 for damage to property

FL Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


FL Uninsured Penalties:

Failure to have insurance that meets minimum coverage standards can result in a three-year suspension of your license and registration, plus a fee up to $500. Your insurance company will notify the state of Florida when you renew or fail to renew your policy.

If you cancel your coverage, the state will immediately request a verification of new insurance from you. Failure to respond can result in suspension of your license until you obtain new coverage.


FL Department of Insurance Contact Information:

1-850-413-3140

FL State Insurance Department Website:





Directory of Florida Auto Insurance Agents by County

Alachua
Baker
Bay
Bradford
Brevard
Broward
Calhoun
Charlotte
Citrus
Clay
Collier
Columbia
De Soto
Dixie
Duval
Escambia
Flagler
Franklin
Gadsden
Gilchrist
Gulf
Hamilton
Hardee
Hendry
Hernando
Highlands
Hillsborough
Holmes
Indian River
Jackson
Jefferson
Lake
Lee
Leon
Levy
Madison
Manatee
Marion
Martin
Miami-dade
Monroe
Nassau
Okaloosa
Okeechobee
Orange
Osceola
Palm Beach
Pasco
Pinellas
Polk
Putnam
Saint Johns
Saint Lucie
Santa Rosa
Sarasota
Seminole
Sumter
Suwannee
Taylor
Union
Volusia
Wakulla
Walton
Washington

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