Car insurance companies can use credit scores when determining premiums for Florida drivers, and the difference in rates for someone with a low score and high score can be significant. In fact, your credit score may have a bigger impact on your premium than any other factor.
Florida may be one of the most expensive states when it comes to auto insurance, but shopping around and qualifying for discounts can save you a lot of money. Each carrier offers different discounts, with savings for good drivers being one of the most common. Just some of the other possible discounts include:
- Teen Driver
- Distant Student
- Alternative Fuel
- Defensive Driver
- Good Student
- Anti-Lock Brake
- Anti-Theft Device
- Multiple Line
- Passive Restraint
- Vehicle Safety
Yes! Florida drivers can provide digital auto insurance cards as proof of coverage. Check with your insurance company to see if they offer this option.
If you operate—or even own—a vehicle without insurance in Florida, your license and/or registration can be suspended. You may also be required to purchase higher coverage levels or face court judgments.
It is illegal for individuals to operate a motor vehicle in Florida with the following BAC percentages:
- .08%+ at 21 years old or older
- .04%+ for commercial vehicle drivers
- .02%+ at under 21 years old
DUI is also proven by the impairment of normal faculties. For more information about Florida's DUI laws, refer to Florida DUI and Administrative Suspension Laws on the Florida Department of Highway Safety and Motor Vehicles website.
If you refuse to submit to a breath, blood, or urine test in Florida, this is admissible as evidence in DUI criminal proceedings. Subsequent refusal is a first-degree misdemeanor.
First refusals result in driver license suspension of 1 year; second or subsequent refusals result in a loss of license for 18 months. Commercial drivers who refuse more than once are disqualified permanently from holding a commercial license, and no hardship reinstatements are allowed.
The consequences of a DUI in Florida depend on the number of convictions, your blood alcohol level, and whether you were transporting a minor at the time of your arrest. At the very least, you will face a fine, community service, and probation. You may also receive jail time at the court's discretion. In addition, the long-term damage to your finances could be devastating. You may incur such expenses as higher insurance rates, attorney fees, court costs, vehicle impoundment, mandatory installation of an ignition interlock device, and others.
Yes. Florida drivers who receive a moving or non-moving traffic violation that results in points on their driving record may elect to attend a driver improvement course. Successful completion of one of these courses prevents points from being assessed against your license and ensures your insurance company does not increase your premium. For more information, please refer to the driver improvement course page of the Florida Highway Safety and Motor Vehicles website.
There are many things you can do to lower the cost of your Florida auto insurance. Start by shopping around and comparing rates, and choose higher deductibles for lower premium payments. Keep an eye on your credit score and ask about all available discounts. Finally, avoid lapses in coverage, pay upfront instead of choosing monthly payments, and drive safely to keep points off your license.
If you're involved in an accident with someone who doesn't have any or enough auto insurance, uninsured motorist (UM) coverage protects you. While this insurance is not required in Florida, it's important to have it because the state does not require drivers to carry bodily injury insurance. So, if you're injured in an accident by an uninsured driver, UM insurance helps you pay for medical treatment.