Auto Insurance
Florida requires auto insurance — but the right coverage goes beyond the minimums. We shop multiple carriers to find you the best rate with the protection you actually need.
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 pays for your medical expenses and lost wages regardless of who caused the accident.
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
Not required by Florida law but strongly recommended. Covers medical expenses and legal fees if you injure someone in an accident.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of who's at fault. Usually required if you have a car loan or lease.
Comprehensive Coverage
Covers non-collision events like theft, vandalism, hail, flooding, falling objects, and animal strikes.
Uninsured/Underinsured Motorist
Protects you when the at-fault driver has no insurance or not enough to cover your expenses — more common than you'd think in Florida.
Why Florida Drivers Need More Than the Minimum
Frequently Asked Questions
What auto insurance is required in Florida?
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums leave significant gaps — we strongly recommend Bodily Injury Liability and Uninsured Motorist coverage as well.
How can I lower my auto insurance premium?
Bundle with homeowners insurance, maintain a clean driving record, take advantage of multi-vehicle discounts, increase your deductible, and let us shop multiple carriers. As independent agents, we have access to rates from dozens of insurers.
Does my auto insurance cover rental cars?
It depends on your policy. Many comprehensive and collision coverages extend to rental cars, but it varies by carrier. We can review your policy and make sure you're covered before your next trip.
What happens if I'm hit by an uninsured driver?
If you have Uninsured Motorist (UM) coverage, your own policy will cover your injuries and damages. Without UM, you'd have to pursue the other driver personally — which is often a dead end. That's why we recommend UM coverage for every Florida driver.
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