Car Insurance for Florida Drivers
Whether you’re traveling along the Gulf Coast, strolling across Wynwood Art District, or exploring Disney World, experienced Florida drivers want to feel covered while driving. We’ve been protecting AARP members in Florida and their families since 1984, and have earned a reputation for integrity and trust, as well as high customer ratings for claims services. You can count on The Hartford to be there when you need us most.
If you’re looking to get a car insurance quote or just need information about buying car insurance in the state of Florida, you’ve come to the right place.
Car Insurance Benefits Offered to Florida Drivers
Florida drivers could receive valuable car insurance benefits from the AARP® Auto Insurance Program from The Hartford,1 including:
Comprehensive Driving Evaluation
New Car Replacement§§
24/7 Claim Service
Required Car Insurance Coverages in Florida
Florida state law requires liability car insurance at the following minimum limits:2
$10,000 for property damage per accident.
Basic PIP coverage.
Proof of Car Insurance in Florida
Florida state law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. That’s why it’s a good idea to keep a copy of your car insurance ID card in the vehicle with your registration. For added convenience, Florida is now among the states that will accept an electronic copy of your ID card. With The Hartford’s mobile app, you can store your ID card right on your mobile device. Visit the App Store™ or Google Play™ for more information.
Florida Uninsured Driver Facts
According to a 2012 Insurance Research Council report, 23.8 percent of Florida drivers are uninsured. This is well above the national average of 12.6%.3
The state of Florida does not require drivers to carry uninsured/underinsured motorist coverage, but The Hartford offers this coverage which will protect you from financial loss if you are involved in an accident with an uninsured motorist.
Additional Car Insurance Coverages and Benefits Available to Florida Drivers
For added protection, Florida drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
Staying Safe on Florida Roads
As you travel through Florida, there are a number of safe driving laws meant to protect you on the Florida’s highways and byways. Here are just a few:4
Florida Seat Belt Laws:
It is a mandatory law to wear a seat belt while driving the roads of Florida.
Florida Distracted Driving Laws:
Texting while driving is banned for all drivers in the State of Florida.
Florida Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers, and Florida wants to be sure they stay safe in the process! Florida has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.