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How Much Car Insurance Do I Need in Florida

Whether you're in Virginia, New Hampshire or any other state, driving without car insurance is a risky move. Except for those two states that waive the requirement, most require drivers to prove they've got car insurance coverage before getting on the road - if you drive in Florida, vehicles with at least four wheels need to be insured at the time of registration.


Richard Dean Insurance promises to provide you with car insurance options beyond the legal limits set in your state. Knowing these requirements is key for making smart auto insurance choices - so let us help you with a little peace of mind behind the wheel.


4 drivers in a convertible car. Image for blog: How Much Car Insurance Do I Need in Florida
How Much Car Insurance Do I Need in Florida

Is car insurance required in Florida?

Registering a car in Florida sure has its precautions. Car insurance is required to lock down registration, unless you have some type of two-wheeler like a motorcycle or trike. While it's not legally necessary for such vehicles at the time of registration, they don't have the same financial safety net if any accidents occur - so drive safe out there!


How much car insurance coverage do I need in Florida?

Florida residents need to gear up for a double-dose of protection when registering their car: Personal Injury Protection (PIP) and Property Damage Liability (PDL).


Minimum coverage requirements are $10,000 per person but you may have the option to add that extra layer of cushion with deductibles reaching as high as $1,000 on PIP and setting PDL at just a cool half G.


To ensure that vehicle owners in Florida are up-to-date with their car insurance policy, the Department of Highway Safety and Motor Vehicles requires all drivers to maintain car coverage - even for cars no longer running. To prove they've canceled their plan accordingly, motorists must relinquish their license plate before making any changes.


If you're a non-resident looking to make Florida your new home don't forget that switching the license plates and getting insured are two of the important steps in making it official. Ten days after enrolling children into school or starting employment is when registration needs to be completed--so buckle up!


Types of car insurance coverage

In Florida, drivers are mandated to have the minimum liability and personal injury coverage on their car insurance policy. However, if they want even more security while on the road – especially those with high-end cars - then additional types of covers may be a smart move considering their level of risk tolerance.


The following are common types of car insurance coverage that Richard Dean Insurance Offers our customers:


Medical Payments & Personal Injury Protection

  • Medical or Personal Injury Protection: If you get into an automobile accident while driving, this car insurance option will cover treatment for you and any passengers who were riding with you in your automobile.

  • Uninsured Motorist Coverage: Not everyone has the level of car insurance that they should. Adding this option to your policy will cover your medical treatment if you happen to have a collision with an uninsured or underinsured driver. This is very important coverage!

Coverage For Your Car

  • Collision: If your vehicle has a collision with another vehicle or object, this car insurance option ensures you are covered.

  • Comprehensive: This option car insurance offers another level of protection from damage and loss resulting from incidents outside of a collision. Hurricane, Falling Objects, Flooding, Windshield & Glass Coverage.

  • Rental Car Reimbursement: After a serious accident, you often end up with a rental car as your original vehicle undergoes service and repairs, but not all insurance packages cover those costs. You can breathe easy as you receive reimbursements for the costs associated with renting a car while your vehicle is being repaired or serviced due to an accident with this option on your car insurance policy.

  • Towing & Labor (Roadside Assistance): You never realize just how costly towing and labor can be until you are unexpectedly stuck on the side of the road dialing numbers for a tow service. Towing and Labor Costs Coverage is just what it sounds like: an option that reimburses you up to a certain point for necessary towing and other service charges (battery jump, keys locked in the car, etc.) should your car become disabled.


Richard Dean Insurance also offers our 'Seasonal Residents' a suspension feature; which allows you to save money while their vehicles are parked.


Some other car insurance coverage options include:

  • Accident Forgiveness

  • Safe Driving Bonus Check

  • Replacement Cost

  • New Car Coverage

  • Identity Theft

  • Lease / Loan Gap

  • Deductible Rewards


Do you have a specialty vehicle or fun recreational vehicle? If you have toys, you want to be sure you have the protecting you need as well. Give is a call today and bundle if you have any of the following Specialty autos:

  • Golf Cart Insurance - Street legal or off-road golf carts

  • Motorhome or RV Insurance

  • Motorcycle Insurance

  • Scooter Insurance

  • Off Road Vehicle Insurance - ATV / UTV

  • Trailers


At Richard Dean Insurance, we strive to provide you with the best car insurance coverage options for your unique circumstances. Our knowledgeable agents are available to answer any questions you may have about our car insurance policy options so you can find the perfect coverage for your needs. Call us today or come in one of our three locations for more information.


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