Minimum Coverage Car Insurance — Florida
It covers damage you cause to others, but leaves your own vehicle, medical bills, and collision repairs completely unprotected.
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What Is Minimum Coverage Car Insurance Insurance?
Minimum coverage car insurance satisfies your state's legal requirement to carry liability protection, but it only pays for damage you cause to other people and their property.
- An uninsured driver runs a red light and totals your car. Your minimum coverage policy includes no uninsured motorist protection and no collision coverage. You receive nothing from your own insurer. Your only option is to sue the at-fault driver directly, who likely has no assets to recover.
Who Needs Minimum Coverage Car Insurance Insurance?
It's the legal floor for drivers who need insurance to register a vehicle but want the lowest possible premium.
How Much Does Minimum Coverage Car Insurance Insurance Cost?
- Your violation history — a DUI or at-fault accident in the past three years can double your minimum coverage premium.
- Your age and driving experience — drivers under 25 or over 70 pay higher rates even for minimum coverage.
