Obtén un seguro de auto barato en Florida

The average cost of car insurance in Florida is $2,208 per year, or $184 per month.* Of course, that’s the average—your car insurance costs can vary based on your driving record, vehicle, coverage selections, and discounts.

We offer options for every budget, including:

• Low down payment options

• Flexible payment plans

• 6-month or annual policy terms

Un seguro ayuda a cubrir los costos relacionados con accidentes que son total o parcialmente tu culpa. En Florida, estás obligado a tener los siguientes límites mínimos de cobertura:

• $10,000 por responsabilidad civil de daños a la propiedad por accidente

• $10,000 por protección de lesiones personales

Florida law requires insurance companies to offer bodily injury liability coverage, but drivers can reject this coverage in writing. Bodily injury liability insurance covers medical expenses, lost wages, and pain and suffering for others if you cause an accident.

If you carry this coverage, the minimum limits are:

• $10,000 bodily injury liability per person

• $20,000 bodily injury liability per accident

Holding the minimum amount of coverage can help keep you legal, but keep in mind it may not fully cover your costs if you get into an accident. Higher coverage limits can help protect you. Florida’s maximum limits for bodily injury liability are:

• $100,000 bodily injury liability per person

• $300,000 bodily injury liability per accident

Your insurance company is required to offer uninsured motorist bodily injury coverage in Florida, but—like bodily injury liability—you can reject it in writing. That said, we recommend keeping this coverage on your policy, as it can help protect you financially if you’re injured in an accident where the at-fault driver is uninsured.

En Florida, tu compañía de seguros está requerida a ofrecerte cobertura por lesiones físicas y cobertura por lesiones físicas de conductores sin seguro, pero tienes la opción de rechazar una o las dos. Con Dairyland, también podrás elegir entre otras coberturas adicionales:

• Gastos médicos

• Integral

• Colisiones

• Equipo Especial

• Reembolso por renta de auto

• Deducible del acreedor

• Asistencia en el camino

También ofrecemos pólizas de seguro para no-propietarios nombrados. Si manejas frecuentemente un vehículo que no te pertenece, esta cobertura puede ayudar a protegerte a ti y al dueño del auto. Adicionalmente, ofrecemos pólizas de un año de vencimiento para las coberturas de los no-propietarios nombrados, comparadas con los plazos de seis meses de los seguros de responsabilidad civil.

Collision coverage can help pay for repairs or replacement of your car if you get into an accident with another vehicle or object. Comprehensive, meanwhile, can help pay for repairs or replacement if your vehicle is damaged by something other than a collision—for example:

• Fire

• Theft

• Vandalism

• Certain weather events, like hailstorms and hurricanes

Medical payments coverage can help pay for medical expenses for you and your passengers after a covered accident, regardless of fault.

Our roadside assistance coverage offers 24/7 emergency towing and roadside service if you experience a mechanical or electrical breakdown, you run out of gas, you have a flat tire, or other covered situations.

If your car is being repaired due to a covered incident, rental reimbursement can help pay for a rental vehicle in the meantime.

De acuerdo a tu historial de manejo, puede que sea que te digan que necesitas tener una forma FR-2, una SR-22 o una FR-44 para manejar de forma legal en Florida. Los FR-2, SR-22s, and FR-44 están disponibles en Florida. Entendemos que el proceso para obtener estas formas puede parecer complicado, por eso estamos aquí para presentarlas el mismo día y nuestros miembros expertos de servicio al cliente que están disponibles para ayudarte. Llámanos al 888-344-4357 para conocer más.

Obtén una cotización con Dairyland® para tener seguro FR-2, SR-22, o FR-44 en Florida.

Florida is one of two states that require FR-44 forms for certain infractions. In Florida, if you receive a DUI, you’ll likely need to purchase an FR-44. Like an SR22, an FR-44 isn’t a type of car insurance—instead, it’s a document that proves you meet the state’s car insurance requirements.

While many states require SR22s for drivers who receive a violation for driving without insurance and/or driving with a suspended license, Florida is unique in that it requires an FR-2 form instead.

Finding the cheapest car insurance in Florida starts with comparing quotes from a range of insurance companies. At Dairyland—a brand of the Sentry Insurance Group—we offer affordable coverage without sacrificing quality. See how we stack up by requesting a free quote below.

Getting a car insurance policy is a key element of being a legal driver in Florida, but there’s more to know.

Staying current on the latest driver requirements and laws is essential—from licensing and vehicle registration to seat belt laws. Here are some key resources to help you stay informed:

The FLHSMV is responsible for issuing Florida driver's licenses, vehicle registrations, and license plates. It’s your go-to resource for information on driver's license requirements, vehicle registration, traffic laws, and Florida state insurance requirements.

Florida's Department of Transportation oversees the state's transportation infrastructure, including highways, bridges, and public transit. On their website, you’ll find information on road conditions, construction projects, and safety initiatives.

This agency regulates the insurance industry in Florida, including car insurance providers. The FLOIR website provides consumer resources and information on filing complaints, understanding your insurance rights, and staying compliant with Florida state insurance requirements.