Florida
Auto Insurance Coverages
How do you choose the car insurance that is right for you when there are so many companies offering auto insurance in Florida? Whether you live in Jacksonville, Orlando, Ft. Lauderdale or Christmas, Allstate offers a wide selection of auto insurance policies, optional insurance coverages and other insurance products just for Florida. And when your auto insurance needs change, your local Allstate agent will help you make the right choices. If you have a teen driver, there are some additional considerations your local Allstate agent can help you with. Refer to the FL's Graduated Driver Licensing chart below for more information.
For more information on this state, visit the Florida State Information or Florida State Catastrophe Information page.
Florida Coverage Scale
Florida auto insurance coverage requirements can be different from other states. The chart below provides a good starting point for learning about the Florida required auto insurance coverage levels and the most common car insurance coverages to make your choice easier.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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Not required*
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100,000/300,000
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Property Damage Liability
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10,000*
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50,000
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Uninsured Motorist Bodily Injury
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Not required*
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10,000/20,000
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Medical Payments
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Not required*
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5,000
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Collision
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Not required*
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500 deductible
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Comprehensive
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Not required*
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250 deductible
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Personal Protection Insurance
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Law specifies requirements *
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$10,000 medical &
loss of service/
$5,000 funeral services
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* Florida law specifies requirements for each: allowable expense, work loss, necessary services, survivor's loss and funeral expenses.Florida Graduated Driver Licensing
Help keep your teen driver safe on the road by reviewing the Florida Graduated Driver Licensing (GDL) laws with them. Florida has its own variation of GDL laws that have been proven to save teen lives. We suggest you use these laws to form driving rules for your teen.
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Insurance Institute for Highway Safety Rating
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Fair
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has no provision
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Minimum Exit Age
(Optimal: 18)
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18, Has optimal provision
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Alabama, Georgia, Mississippi, North Carolina, Tennessee
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Florida. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.