Understand minimum coverage is not adequate coverage, but if you just need something to get on the road, you can get the $10k Personal Injury Protection (PIP) and $10k Property Damage Liability (PDL). It will give you cheap auto insurance in Florida until you can get something better.

There are some circumstances that you will be required to carry an SR22 or FR44 auto insurance. This typically occurs out of reaction to an event in which the State of Florida feels there is an increased risk for you to injure someone. Perhaps you had an accident, you were caught recklessly driving, or you were convicted of a DUI. In any of these situations, Florida may require you to carry Bodily Injury Liability (BIL). This will make it more difficult to find cheap auto insurance in Florida, but you will have better protection.

Florida homeowners insurance is still expensive and hard to find. Legislation passed in 2007 put much of the risk of a major Florida hurricane on the backs of Florida taxpayers. The Florida Hurricane Catastrophe Fund offered low cost reinsurance to insurance companies and assumed an additional $12 billion in risk. Now the Cat fund says that it doesn't have the borrowing capacity to meet its obligations - estimating a possible shortfall of up to $15 billion.

If you have been convicted of a DUI, you will be real estate investment trust broker required BIL, also. However, you will be required to carry a minimum of $100k. You are a bigger risk to other motorists if you decide to drink and drive again. In this case, rather than an SR22 filing, your insurance company will need to file an FR44. It works exactly the same way as an SR22, but you have to maintain the BIL of $100k.