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
Auto Insurance Across Florida
Every Florida city has unique driving challenges that affect your insurance needs and rates.
Miami & South Florida
Highest auto insurance rates in Florida due to dense traffic, uninsured drivers, and staged accident fraud. Uninsured motorist coverage is critical in Miami-Dade and Broward counties.
Orlando & Central Florida
I-4 corridor is one of the most dangerous highways in America. Tourist traffic creates unpredictable driving conditions. Collision coverage is essential for protecting your vehicle in high-accident areas.
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 means some of the lowest auto insurance rates in Florida. Rural highways require caution. Collision with wildlife coverage (comprehensive) is important for Panhandle drivers.
Florida fact: We have the 7th highest auto insurance rates in the US, with an average annual premium of $2,500-$3,500. Shopping multiple carriers is essential to finding the best rate.
Save 15-25% by Bundling Auto + Home Insurance
Most Florida homeowners save $300-$800/year when they bundle auto and homeowners insurance with the same carrier.
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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