Buy Cheap Florida Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$10,000 limit per person / $20,000 limit per accident
Property Damage Liability
$10,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
$10,000 limit Emergency medical condition / $2,500 Non-emergency medical condition
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Florida Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
No
All Cell Phone Use Ban for Novice Drivers:
No
No
Texting Ban:
Yes
In Florida, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Florida Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
.20 or above
There's an increased penalty for driving with a BAC 0.20 or above.
1st offense Suspension:
6 months for DUI / 12 months for refusal
Administrative license suspension on the 1st offense: In Florida, law enforcers can confiscate a first-time offender's driver's license for 6 months if he or she is convicted of a DUI and for 12 months for refusal. Limited driving privileges, such as to and from work, are permitted after 30 days for DUI and after 90 days for refusal to submit to chemical test.
Ignition Interlocks:
Mandatory for offenders with a BAC of .15 or higher.
Ignition Interlocks: These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Florida made ignition interlocks mandatory for all drunk drivers with a BAC of .15 or higher.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for no less than one year, impoundment or immobilization of any and all of the offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and a sentence of at least five days of imprisonment or 30 days of community service for a second-time offender. Third-time and further offenders can see at least ten days of imprisonment or 60 days of community service.
Open Container Law:
Yes
No driver or passenger can have any container of alcoholic beverage, which is immediately capable of being consumed from, or the seal of which has been broken in his or her possession. If an open container is in the possession of a passenger, or located in a locked glove compartment, locked trunk, or other locked nonpassenger area of the vehicle, then it is not considered in the possession of the driver.
Graduated Drivers License
Buy Cheap Florida Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period of time lasting a minimum of twelve months. In this stage, the new drivers are required to get 50 hours of supervised driving hours, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: 11pm-6am (age 16); 1am-5am (age 17)
Passenger Restriction: None
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 6am. Once they turn 17, their driving restrictions change to 1am-5am.
Full Privilege Age:
Age: 18
(Full driver's license): At the age of 18, Florida drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Urban Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Other Limited Access Roads:
SPEED LIMIT
70
MPH
SPEED LIMIT
70 MPH
Page Source: ghsa.org
Buy Cheap Florida Auto Insurance in 2024
Department of Insurance
Website: www.floir.com/
Address: 200 East Gaines St., Larson Building, Tallahassee, FL 32399
Phone: 850-413-3140
Buy Cheap Florida Auto Insurance in 2024
DMV Information
Website: www.flhsmv.gov/
Phone: 850-617-2000
Call Center Hours:
Monday – Friday 7 a.m. – 5:45 p.m., (EST)