Every state is a little bit different when it comes to the auto insurance they require. Most states have specific requirements for the minimum car insurance you need to be able to drive legally. It is essential to know what your state requires of you for the minimum state car insurance because you need to be sure you meet those requirements. We will take a look at what the state minimum car insurancerequirements are for Florida as well as how those requirements differ from other states.

State Minimum Car Insurance South Florida
In Florida, you have two requirements to meet the state required auto insurance. The first requirement is to have $10,000 in coverage for personal injury protection insurance. The second requirement is to have $10,000 in coverage for property damage liability insurance.
The personal injury protection insurance covers your medical expenses as the result of an accident. Personal injury protection covers you regardless of who was at fault for the accident. It is important to have personal injury protection because that is what will be covering your medical expenses. The property damage liability insurance covers any damage done to another vehicle or property such as fences, houses, streetlights, and more. The property damage liability differs from the personal injury protection, however; this is because property damage liability only covers damages if you were at fault for the accident.

How Do Florida Requirements Differ?
As we said above, every state has different requirements. Let’s take a look at some of the differences between Florida and other states. There are five basic types of insurance coverage that a state can require. These types of coverage include bodily injury liability, property damage liability, uninsured or underinsured motorist insurance, and personal injury protection. As you can see, Florida requires two of those five types of insurance for their minimum state auto insurance.
However, Florida is different from many other states in a few different ways. Firstly, every state requires some type of bodily injury liability insurance except for Florida. Instead of having bodily injury liability insurance as a requirement, Florida has personal injury protection. Many states do not use personal injury protection insurance very often, but Florida is one of the states that do. Another way Florida state minimum car insurance differs is the fact that about half of the states require some uninsured motorist coverage, but Florida does not.
Understanding car insurance can be intimidating, but it does not have to be hard. If you have questions or would like a state minimum auto insurance quote, reach out to us.