If you are not able to provide proof of insurance within a specific period of time after being caught, then your license and registration could be suspended for up to 3 years. If you can provide proof of insurance, then you only pay the $150, $250, or $500 fine, based on whether this is your first, second, or third violation within the three-year window. Being convicted of a DUI in Florida can lead to a fine of $250 to $500 and a minimum license revocation of 180 days. Drivers may also be required to attend DUI school or perform up to 50 hours of community service. For subsequent violations, drivers could face jail time, vehicle impoundment, and other penalties. Fortunately, some car insurance companies treat DUIs less seriously than other companies. Generally, you can expect insurance premiums to rise 40% to 80% after a DUI in Florida - which is similar to other states. Florida uses a no-fault insurance system.

The company is particularly popular for drivers with bad credit or drivers seeking minimum coverage. The average Floridian pays approximately, $2,710 to insure a vehicle with Direct Auto for one year, although the company offers steep discounts if you drop comprehensive and collision coverage. Florida has unique insurance requirements compared to other states. Florida is one of 12 states in the country that uses a no-fault insurance system. Under this system, you make a claim through your own insurance company after an accident regardless of fault. Because of the no-fault insurance system, Florida drivers must have personal injury protection - something most other states do not require. However, Florida is also one of the only states where drivers do not need bodily injury protection coverage. Most other states require both property damage liability (PDL) and bodily injury liability (BIL) coverage, although Florida only requires BIL coverage on taxis. 10,000 in personal injury protection (PIP) coverage. 10,000 of property damage liability (PDL) coverage. Art icle was g᠎en erated with G᠎SA Con᠎tent G᠎enerator D᠎emover si on !

Car Insurance Quotes

Although not one of America’s best-known insurance companies, Auto-Owners provides effective customer service and claims satisfaction at a reasonable price. Expect to pay around $2,280 per year for car insurance with Auto-Owners throughout Florida. Get rates for under $2,400 per year with 21st Century in Florida. The company is available in most states across the country. Although they’re not the cheapest option, 21st Century emphasizes strong customer service and claims satisfaction without breaking the bank. MetLife serves policyholders throughout Florida, offering decent car insurance coverage at a transparent rate. The average Floridian with a good driving record pays around $2,398 per year for car insurance with MetLife. Allstate is one of the largest car insurance companies in the United States, and the company offers good-value car insurance throughout Florida. Whether you’re in the big cities like Miami or in smaller towns, Allstate provides effective car insurance for around $2,513 per year, on average. Although not as well known as other companies on this list, Direct Auto is popular throughout Florida for offering relatively reasonable car insurance premiums in an otherwise expensive state.

If your vehicle is registered as a taxi, then you need $125,000 of bodily injury liability (BIL) coverage per person, $250,000 of BIL coverage per accident, and $50,000 of PDL coverage. All of the numbers above are minimums. Many drivers exceed these minimums for added protection. You must obtain PIP/PDL coverage from an insurance company licensed in Florida to sell car insurance. Alternatively, you can obtain legal car insurance by obtaining a self-insurance certificate from the Florida Highway Safety and Motor Vehicles (FLHSMV), which involves depositing money with the organization and registering your vehicle as self-insured. If you self-insure your vehicle, then you do not need to pay regular insurance premiums, although your funds are locked with the FLHSMV for as long as your vehicle is insured. Driving without car insurance in Florida is illegal. You must maintain the minimum car insurance limits above throughout the registration period of your vehicle. In most cases, drivers caught without insurance will pay a reinstatement fee of $150 for the first violation, rising up to $500 for subsequent violations within a three year period.

This is the bare minimum insurance policy needed to legally drive on roads in Florida. Florida requires certain drivers to obtain an SR-22 or FR-44 certificate. These certificates prove you are financially responsible for your vehicle and any damage it causes. SR-22 insurance and FR-44 insurance aren’t technically types of insurance. Instead, they’re certificates issued by insurance companies to verify coverage. Because you’re a higher-risk driver, you have different insurance requirements than other drivers. With SR-22 insurance, you have identical car insurance requirements to ordinary drivers in Florida. The SR-22 certificate verifies that you have met the minimum insurance requirements in Florida. With FR-44 insurance, you must exceed the minimum car insurance requirements in Florida, and the FR-44 certificate verifies you have exceeded these limits. The FR-44 certificate verifies you have $100,000 to $300,000 of bodily injury coverage, for example, and $50,000 of property damage liability coverage. Some high-risk drivers in Florida cannot obtain car insurance through the normal market. Insurers may deny your application or charge excessively high rates. In this situation, you can request car insurance through the Florida Automobile Joint Underwriting Association. Florida has notoriously expensive car insurance. Fortunately, with some shopping, you can find the right car insurance provider for your unique needs. Whether you’re in the big cities of Florida or the smaller towns, consider requesting car insurance from any of the companies listed above to access the best auto insurance in Florida.

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