Best Car Insurance FL

Bibliography

Sources

Every factual claim on this site should trace to one of these. If you find one that does not, tell us and we will fix or remove it.

Florida Legislature (Online Sunshine)

  1. Fla. Stat. § 627.736 — required personal injury protection benefits — PIP: $10,000 medical and disability benefits, $5,000 death benefit; 80% of reasonable medical expenses, 60% of lost income; initial care within 14 days; $2,500 cap without an emergency medical condition.
  2. Fla. Stat. § 324.022 — property damage liability requirement — Every owner must maintain at least $10,000 property damage liability (or a $30,000 combined single limit with PIP).
  3. Fla. Stat. § 627.737 — tort exemption and permanency threshold — Non-economic damages may be recovered only for permanent injury, significant scarring or death; defines the no-fault tort threshold.
  4. Fla. Stat. § 627.727 — uninsured motorist coverage — UM must be offered with bodily injury liability; stacked coverage is the default unless non-stacked is selected in writing.
  5. Fla. Stat. § 324.023 — financial responsibility after a DUI conviction — After a DUI conviction (since 1 Oct 2007): $100,000 per person / $300,000 per crash bodily injury and $50,000 property damage, maintained for three years from reinstatement — the FR-44 requirement.

Florida Senate

  1. Fla. Stat. § 627.0652 — discount for completing an accident prevention course — Rates for liability, PIP and collision must include a premium reduction when the principal operator is 55 or older and completes an approved course; effective three years; may be conditioned on no at-fault crash or moving violation.

Insurance Information Institute

  1. Background on: No-fault auto insurance — Which states use personal injury protection (PIP), how no-fault thresholds work, and reform history including Michigan and Florida.
  2. Background on: Pay-as-you-drive auto insurance (telematics) — Usage-based and per-mile pricing models, what telematics programmes measure, and state limits on their use.
  3. Background on: Older drivers — 2023 fatal-crash involvement per 100,000 licensed drivers: 15.44 (65–74), 16.63 (75+), 24.38 all ages; state licence-renewal rules for older drivers.
  4. Facts + Statistics: Uninsured motorists (2024) — Insurance Research Council estimates of uninsured drivers by state (2022: e.g. Michigan 19.6%, California 17.0%, Florida 15.9%, Texas 13.8%).
  5. Automobile financial responsibility limits by state (2023) — Compulsory coverages and minimum liability limits by state (table dated December 2023 — several states have raised limits since; see statute entries).
  6. Facts + Statistics: Alcohol-impaired driving — Alcohol-impaired crash fatalities, BAC thresholds and state ignition-interlock context.
  7. Facts + Statistics: Auto insurance (2025) — NAIC countrywide average auto expenditure: $1,127 (2022), $1,282 (2023); most expensive states in 2023 were Florida, Louisiana and New York.
  8. Facts + Statistics: Highway safety — Crash, injury and fatality trends used to explain why liability and injury coverages cost what they do.
  9. Estimated percentage of uninsured motorists by state, 2017–2023 (2025) — IRC time series by state; 2023: Mississippi 28.2%, New Mexico 24.1%, D.C. 23.1%, Michigan 22.3%, Florida 20.6%, California 20.4%, Texas 14.5%; lowest Maine 5.7%.
  10. Drivers in fatal motor vehicle crashes by age, 2023 (2025) — Fatal-crash involvement per 100,000 licensed drivers: 42.40 (16–20), 35.34 (21–24), 28.97 (25–34), 24.18 (35–44), 21.70 (45–54), 19.45 (55–64), 15.44 (65–74), 16.63 (75+).
  11. What is covered by a basic auto insurance policy? — Defines bodily injury and property damage liability, MedPay, PIP, uninsured/underinsured motorist, collision, comprehensive and glass coverage.
  12. What determines the price of an auto insurance policy? — Rating factors: driving record, mileage, location, age, gender, vehicle, credit-based insurance score, coverage choices. Notes ZIP-code rating is prohibited in California and Michigan and gender rating is prohibited in seven states.
  13. Nine ways to lower your auto insurance costs — Shop at least three quotes; raising a deductible from $200 to $500 can cut collision/comprehensive cost 15–30%, $1,000 can save 40%+; drop physical damage on cars worth under 10× the premium; bundling, low-mileage and good-student discounts.
  14. How much auto coverage do I need? — Why state minimums are a floor; choosing liability limits that protect assets; when collision and comprehensive are worth keeping.
  15. How to file an auto insurance claim — Steps after a crash: document the scene, notify the insurer promptly, understand the adjuster's role.
  16. Understanding your insurance deductibles — How deductibles apply to collision and comprehensive and how raising them lowers premium.
  17. What is gap insurance? — Gap coverage pays the difference between a car's actual cash value and the loan or lease balance after a total loss.
  18. What if I can't find auto coverage? — How the non-standard market and state assigned-risk plans insure drivers the voluntary market declines.
  19. Is it legal to drive without insurance? — Every state requires drivers to demonstrate financial responsibility; in most states insurance is the mandatory way to do so.

Insurance Research Council

  1. Insurance Research Council — Independent, industry-funded research on uninsured motorists, claim trends and litigation.
  2. 14 percent of U.S. drivers were uninsured in 2022 (2023) — About one in seven drivers was uninsured in 2022; highest D.C. 25.2%, New Mexico 24.9%, Mississippi 22.2%; lowest Wyoming 5.9%, Maine 6.2%, Idaho 6.2%. Method: ratio of UM to BI claim frequencies.

Highway Loss Data Institute

  1. Insurance losses by make and model — Relative claim frequency and severity by vehicle under collision, property damage, comprehensive, PIP, MedPay and bodily injury coverages.

National Association of Insurance Commissioners

  1. 2019–2023 Auto Insurance Database: average premium supplement (2025) — Countrywide average expenditure $1,281 in 2023 (+13.98%); combined average premium $1,438; state tables for liability, collision and comprehensive.
  2. Consumer insurance information — Plain-language guides from the body of state insurance regulators; links to every state's insurance department and complaint process.

Insurance Institute for Highway Safety

  1. Fatality facts: State by state — Crash deaths and death rates per 100,000 population and per 100 million miles by state.

Consumer Federation of America

  1. Insurance research and advocacy — Consumer-side research on auto insurance pricing, non-driving rating factors and affordability.

Linked publishers do not endorse this site. Practical checklists and recommendations are original editorial guidance; see our methodology.