What auto insurance is required in Florida?

Florida currently requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) for registered vehicles. Bodily Injury, Uninsured Motorist, comprehensive, and collision coverage are also worth comparing because the legal minimum is not the same as a complete protection plan.

How can I lower my auto insurance premium?

Bundle when it helps, keep a clean driving record, review multi-vehicle discounts, choose deductibles carefully, and compare multiple carriers. The right answer depends on drivers, vehicles, ZIP code, coverage limits, prior claims, and whether home and auto are better together or separate.

Does my auto insurance cover rental cars?

It depends on the policy, vehicle, rental agreement, driver, use, and coverages selected. Before renting, we can compare your liability, comprehensive, collision, loss-of-use, and deductible terms with the rental company's options.

Florida Auto Insurance Quotes

Florida requires auto insurance — but the right coverage goes beyond the minimums. We compare Florida carriers to help you find the right mix of price, limits, and protection.

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Florida Auto Insurance at a Glance

Florida currently requires PIP and PDL for registered vehicles; BI, UM, comp, and collision still deserve a separate review
Minimum limits can leave a gap after a serious crash, especially when another driver has little or no insurance
Bundling auto with homeowners can help, but separate carriers may still offer a better total price and coverage mix
Driver history, vehicle use, ZIP code, limits, deductibles, and prior claims all shape the quote

Auto quote prep

Start the Florida auto quote with the driver and vehicle details carriers actually rate

We compare your drivers, vehicles, ZIP code, coverage limits, UM choices, deductibles, and bundle options across Florida carriers to find the right coverage and price.

Current declarations page or renewal offer if you have one.

Driver names, dates of birth, license status, and recent tickets or claims.

Vehicle VINs, usage, garaging ZIP, loan or lease details, and desired deductibles.

How we compare coverage and prices

Whether state minimum PIP/PDL leaves too much liability exposure.

Whether BI, UM, comprehensive, collision, rental, and roadside make sense for the household.

Whether bundling home and auto or using separate carriers gives you the better total price and coverage.

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What Does Auto Insurance Cover?

A comprehensive Florida auto policy can include these key protections.

Personal Injury Protection (PIP)

Florida requires $10,000 in PIP coverage. It can help with covered medical expenses and lost wages after an accident, subject to Florida law and the policy terms.

Property Damage Liability (PDL)

Florida requires at least $10,000 in PDL. It covers damage you cause to another person's vehicle or property in an accident.

Bodily Injury Liability

Can help protect you if you injure someone in an at-fault crash. Many Florida drivers review BI limits even when the registration minimums focus on PIP and PDL.

Collision Coverage

Can pay for covered damage to your vehicle after a collision, less the deductible. Lenders and leasing companies commonly require it.

Comprehensive Coverage

Covers non-collision events like theft, vandalism, hail, flooding, falling objects, and animal strikes.

Uninsured/Underinsured Motorist

Can help eligible insureds with covered injuries caused by a driver who has no bodily-injury insurance or not enough insurance.

Why Florida Drivers Need More Than the Minimum

Florida is a no-fault state — PIP is required by law

Uninsured motorist coverage is worth reviewing before a serious accident happens

Bodily injury limits can matter when a claim goes beyond the state registration minimums

Comprehensive coverage can matter for theft, hail, flood, animals, and other non-collision losses

Driver history, vehicles, garaging ZIP, limits, deductibles, and bundling all shape the quote

Bundling auto with home insurance can help, and separate carriers can sometimes produce a better total price

Auto Insurance Across Florida

Every Florida city has unique driving challenges that affect your insurance needs and rates.

Miami & South Florida

Dense traffic, uninsured drivers, and claims activity can make South Florida a tougher auto market. Uninsured motorist coverage deserves a serious review in Miami-Dade and Broward counties.

Orlando & Central Florida

I-4 and tourist traffic can create unpredictable driving conditions. Collision coverage may matter if you need help repairing or replacing your own vehicle after an at-fault crash.

Tampa & Gulf Coast

Growing population means increasing traffic congestion. Gulf Coast weather creates hazardous driving conditions during summer storms. Comprehensive coverage protects against hail and flood damage from intense Florida weather.

Jacksonville & Northeast Florida

Major highway intersection (I-10, I-95) creates high-speed collision risks. JAXPORT industrial traffic adds commercial vehicle exposure. Higher liability limits recommended for highway commuters.

Gainesville & North Central Florida

College town means young drivers and higher accident rates. Student rentals create unique coverage needs. Competitive rates available for safe drivers with clean records.

Tallahassee & Panhandle

Lower population density can help some drivers, but rural highways still require caution. Collision with wildlife coverage (comprehensive) is important for Panhandle drivers.

Florida quote reality: the same driver can see different answers depending on vehicles, garaging ZIP, coverage limits, deductibles, claims, and bundle options. Comparing multiple carriers is usually more useful than trusting a statewide average.