In Florida, there are 19,845,911 residents. When you're shopping for insurance, there are several ways to go about it. Florida car insurance can be found through a licensed professional.

A Florida independent insurance agent can help access carriers so that you get the best options. They do the shopping for you so that you can relax. Connect with a local expert for custom quotes and start saving.

What Is Car Insurance?

Car insurance in Florida is required by law and will help protect you from a lawsuit related to bodily injury or property damage. There are numerous other coverages you can add to your car insurance as well. When you're shopping for the right policy, consider using a trusted adviser.

How Much Car Insurance Should I Buy in Florida?

In the state of Florida, specific amounts of protection are mandated by law. How much car insurance you should buy is relative to your exposures and vehicles. Check out state minimum limits for coverage that are required in FL:

• Minimum limits of auto liability in Florida: $10,000 per person/ $20,000 per accident/ $10,000 property damage

Your auto policy will provide coverage for the following:

• Property: Coverage for damage to vehicles and outside property
• Liability: Coverage for bodily injury or property damage
• Medical: Coverage for your medical expenses due to an at-fault loss

The amount of coverage selected should be enough to cover you in any kind of vehicle loss. Check out the number of auto crashes by type:

US auto crashes by loss type (in 1,000s)

It's better to have more coverage than not enough. The chances of you getting into a car accident are higher than you think. If you're without the proper policy limits, you could be in for a significant setback.

How to Find Affordable Auto Coverage That Meets Your Budget in Florida

When you're shopping for car insurance, knowing the average cost of coverage is essential. Everyone will have different premiums assigned based on their specifications. Take a look at the figures:

The average cost of car insurance:

• National annual premium: $1,311
• Florida annual premium: $1,742

How Your Driving Affects Your Florida Car Insurance Rates

When you own a car in Florida you have a responsibility to not only obtain insurance, but also to drive responsibly. Every carrier will look at the driving records for each driver. If you have a record of accidents or violations on the road, you'll pay for it. Take a peek at the losses:

Incurred private passenger auto losses by state (in million US dollars)

Florida is in the top 3 for the most car claims paid. This will affect your costs as well. The more losses reported in an area, the higher your premiums will be. The best way to minimize your costs is to drive safely and have a clean driving record. 

How a Florida Independent Insurance Agent Can Help

When you're searching for car insurance that won't break the bank, consider using a trained professional. When it comes to your auto coverage, there are a lot of options. Instead of doing it on your own, review your policies with an adviser.

A Florida independent insurance agent can help you find affordable coverage. They will review your policies at no cost and compare them with top-rated carriers. Get connected with a local expert on TrustedChoice to start saving in minutes.