Do you have to have Auto Insurance in Florida?

Auto insurance is one of the very few policy types absolutely required by law. Nearly every state has at least some type of law on the books about auto insurance regulations. So why does the law require drivers to have auto insurance, but not require homeowners to have homeowner insurance, tenants to have renter’s insurance, or the average citizen to have medical insurance? Well, according to, the reasoning is actually very simple.

Auto insurance is there to protect not only the physical belonging (the car) but also any accident involving another driver. With the law requiring all drivers to have auto insurance, it guarantees that no matter who is determined to be at fault, both parties will be covered. With homeowners insurance, the single party is the only party whose belongings are on the line. Even more, damage to vehicles is much more likely and occurs much more often than serious home damage.

What exactly is Auto Insurance?

When planning to purchase a new vehicle, before even being able to drive the car away from the dealership, new owners will have to tackle their auto insurance policy.

Auto insurance can be inclusive as the purchaser wants depending on the type of vehicle. Those purchasing a new car with a loan will often be required by the loans giver to hold full insurance on the car. This way, if the car is totaled, the insurance payout will be enough to cover remaining costs of the auto loan. But auto insurance goes far beyond just damage.

What does Auto Insurance Do?

Florida auto insurance can also cover car theft. Rather the car itself is physically stolen or if a break-in occurs that results in the theft of certain parts of the car (i.e. radio or other devices) many car insurance policies will pay to replace the stolen item.

Some auto policies will even cover a certain amount of medical bills that can be caused by a car accident. This coverage often extends no only to the policy holder but also to any other people injured in the accident. This coverage is especially important for anyone not also holding medical or health insurance. This can even apply to missed time from work.

Another important aspect covered in auto insurance, Florida drivers especially, is coverage of any damage done to the car from natural disasters. If the owner lives near the ocean and the car is damaged during a hurricane, many Florida insurers will offer protection. This means the policy holder will be able to use a rental car until their car is either repaired or replaced in the case of weather related damage.

Where to obtain Auto Insurance?

Being a Florida resident, there are many local options for auto insurance. Most insurance companies, even the large names in the industry, work through small branches throughout the country. This means names such as Geico and State Farm are often just as accessible as smaller, more localized insurance companies. Most companies also offer online quotes and additional information straight from their website. By using these tools, potential policyholders can compare prices and coverage plans directly from the comfort of their home.

Insurance providers like are best to be spoken with before the actual purchase of the vehicle is made. This will shorten the stay at the dealership and allow customers to be more prepared for the upcoming negotiations. Some companies even offer special discounts to customers buying their first car who use their service.

Overall, auto insurance is a must have for many reasons beyond just law requirements. No one should ever go without auto insurance, Florida residents included.