Florida SR22 Insurance Quotes

Reader’s Question:

I’m planning to move to Tampa next year, and I’m just wondering: what is the required minimum vehicle car insurance in Florida? Is it higher or lower than the 25/50/25 rate here in Texas?  I will need SR22 insurance since I was convicted of a DUI a few years ago.

Merriam

Austin, TX

Before anything else, Florida follows a no-fault system. This means that a vehicle car insurance in Florida will pay for your claims, no matter who is at fault in the accident. This is why the minimum coverage mandated by the state is $10,000 for property damage and $10,000 for personal-injury protection. However, you may be required by the state to get a minimum bodily-injury liability if you do get into an accident.

In Texas, the state follows a tort (or at-fault) system and mandates 25/50/25 minimum liability coverage for drivers. That means you’d have to be responsible for $25,000 worth of damage to one person up to $50,000 per occurrence of bodily injury, with another $25,000 for property damage if you’re found to be at fault.

So to answer your second question: yes, the required vehicle car insurance in Florida are much less compared to the rates in Texas.

However, it is highly recommended that you still get what insurance you can afford, especially in Florida. If you get rammed by another driver in Florida, you’ll be waiving some of your rights to take legal action against him or her because of the no-fault system that the state adopts.

You definitely don’t want to shoulder more than hundred thousand dollars in repairs and medical bills because you stuck with the rather pitiful coverage that the state mandated.