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Cheapest Car Insurance in Florida (FL)
Aligators and oranges! What state could be more exciting to visit than fancy Florida? With over 1,250 golf courses, a tropical climate and seemingly endless miles of white-sandy beaches, The Sunshine State holds bragging rights for the most popular retirement destination in the country. So whether drivers are setting up shop for the next stage in life, spending a tropical weekend or making Florida their home, CheapCarInsurance.net wants to help. By providing this page of essential car insurance information, Florida drivers can continue to enjoy their sunshine without spending time worrying about insurance.
Average Car Insurance Premiums
Since 1991, only one year has seen Florida s average premiums drop to match the national average. Census.gov indicates an upward trend in both averages even though they have been well above the national average for several years.
Drunk Driving Fatalities
The National Highway Traffic Safety Administration indicates that Florida s drunk driving fatalities have leveled off after a large spike in 2011. Even during 2011, Florida s numbers were reported as being below the national average.
Teen Drinking and Driving
The Center for Disease Control reports that Florida s teen drivers drink and drive almost a full percent more than other U.S. teens. At 11 percent, Florida surpasses the national average of 10.1 percent.
Vehicular Theft in Florida
Florida s vehicle theft shows a significant drop since 2011. The FBI puts Florida at 193 while the national average soars at nearly 230.
Protection against tropical storms is a necessary step when driving in the only state that borders both the Gulf of Mexico and the Atlantic Ocean. Vehicle protection is just as important, and to help search out the correct information, listed below are just the facts.
Minimum Requirements for Car Insurance in Florida
New Driver Licensing Requirements
- The Florida DHSMV requires every florida driver to be licensed.
- Applicants at least 15 years old can obtain a Learner s Permit. This permit requires that the applicant:
- Complete and pass a Traffic Law and Substance Abuse Education Course .
- Provide a Parental Consent Form signed by a parent or legal guardian.
- Pass the written, vision and hearing tests.
- An applicant with a Learner s Permit may only drive during daylight hours during the first 3 months and until 10 pm after 3 months. The permit holder must always be accompanied by a licensed driver age 21 or older.
- Applicants ages 16 and 17 who have held a Learner s Permit for one year with no violations can obtain an Intermediate License. To obtain the Intermediate License, the applicant must:
- Provide documentation of 50 hours of driving verified by a parent or legal guardian. Included in the 50 hours must be 10 hours of night driving.
- Pass the road test.
- Restrictions with this license include:
- 16 years old must be accompanied by a licensed driver age 21 to drive during nighttime hours. Can drive alone between the hours of 6 am and 11 pm.
- 17 years old may drive alone between the hours of 5 am and 1 am, and my drive between the hours of 1 am and 5 am if accompanied by a licensed driver age 21 or older.
- Vision Screening. To pass the vision screening, an applicant must meet the following guidelines:
- Visual accuity of 20/40 with or without corrective lenses.
- Visual accuity of 20/50 or worse with or without corrective lenses will be referred to a specialist for improvement.
- Visual accuity of 20/70 may pass if the worse eye is 20/200 or better. Verification is required by a specialist.
- If blind in one eye, the other eye must have a visial accuity of at least 20/40.
- Written Test. The written exam tests the applicant s knowledge of the Florida Driver s Manual. It consists of 40 multiple-choice questions regarding road rules and 10 questions regarding specific traffic signs.
- Road Test. Once the visual and written tests are successfully completed, the applicant may proceed to the road test. The vehicle, provided by the applicant, must be insured, registered and safely operable. A licensed driver is required to drive the vehicle to and from the testing site.
Texting Driving Laws