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Best Cheap Auto Insurance in Florida

Drivers are required to carry car insurance in Florida. Several states in the United States are no-fault states, and Florida is one of them. Being a no-fault state means that regardless of who is at fault in a car accident, each of the drivers involved will need to turn to their own car insurance in Florida to pay for medical care for any injury to themselves or anyone in their vehicle. Damages to property are another matter, with the responsible drivers in an accident held responsible for paying those costs under Florida’s financial responsibility laws.

Those who receive an injury in a car crash will be required to file a claim with their own insurance companies for their Personal Injury Protection (PIP) insurance coverage, or they will file a claim with the company that insures the car in which they were riding.

While a no-fault system can seem disadvantageous if you’re not the one who caused the accident, to its credit, it does mean you are protected from being sued by other drivers for medical bills if you are the one at fault and cause an injury. However, it also means car insurance quotes in Florida are usually higher for everyone than insurance quotes in many other states.

Because it’s necessary for all drivers to carry car insurance coverage in Florida, you need to have an adequate auto insurance policy in place. Fortunately, many insurance providers are out there; it’s just a question of finding the cheapest auto insurance in Florida that can get the job done. Always shop around to get the best quote!

Cheapest Auto Insurance Quotes in Florida

No-Fault Law

Even the cheapest auto insurance in Florida can be shaped into a policy to meet your coverage needs. Florida drivers are required to have the following types of auto insurance coverage to comply with the state’s no-fault laws: • Personal Injury Protection (PIP) insurance in the amount of $10,000 • Property Damage Liability coverage in the amount of $10,000

Financial Responsibility Law

In order to comply with the state’s financial responsibility laws, drivers must carry the following coverage: • Bodily injury liability in the amount of $10,000 to cover one person’s medical bills • Bodily injury liability in the amount of $20,000 to cover everyone hurt in the collision • Property damage liability in the amount of $10,000 to repair or replace all property damaged in one collision • Combined single limits in the amount of $30,000

Insurance Fraud in Florida

Insurance fraud is one main reason that auto insurance companies increase everybody’s premiums. Florida is a great example because it has just been found to have the greatest number of auto insurance fraud cases in the country.

According to the Consumer Federation SouthEast more staged accidents have resulted in fraudulent claims in Florida than in any other state. A total of 3,006 claims out of all that were filed in this state were found to be fraudulent. Currently, Florida residents pay more for their auto insurance coverage than drivers are paying nationally, which is why it’s a good idea for drivers to look for the cheapest car insurance in Florida that fits their needs.

Florida’s Alcohol-Related Accidents

Florida also appears to have a problem with people who choose to sit behind the wheel of their vehicles after having ingested alcohol. According to The Centers for Disease Control and Prevention more than 8,400 people were involved in fatal car accidents caused by a drunk driver between 2003-2012.


Odd Laws in Florida

Although Florida has very serious traffic issues to deal with, the state’s legislature has taken the time to enact laws that are not addressing them. One concerns elephants and parking. It’s not illegal to tie an elephant to a parking meter, and some Florida residents believe that they can leave their elephants at a parking meter and not pay the fee.

However, if they were to do this, they would be breaking one Florida’s laws.

Did You Know…?

Apparently, Florida was behind the times in 1918 when it became the last state in the union to issue a state license plate to those who owned vehicles.

Auto Insurance Center Methodology

Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.