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Springfield Car Insurance Let's look at the main kinds of cover and attempt to throw a little light on the subject. The minimum amount of liability coverage needed for property damage is $10,000. If youre looking for cheap Miami car insurance, youre definitely not going to want to purchase anymore than what the State of Florida has set as its minimum car insurance requirements. For what period of time are teenagers required to maintain a learners permit? For a minimum of six (6) months.