Auto Insurance
Protect your vehicle on Florida's roads with comprehensive auto insurance coverage. From liability to collision, we'll find the right protection at competitive rates.
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Why auto insurance matters in Florida
Florida law requires all drivers to carry minimum auto insurance coverage. But beyond legal requirements, the right auto insurance protects you financially from accidents, injuries, vehicle damage, and liability claims.
Florida is a no-fault state, which means your Personal Injury Protection (PIP) coverage pays for your medical expenses regardless of who caused the accident. But PIP is just the beginning — comprehensive auto insurance includes liability coverage, collision protection, and coverage for uninsured drivers who share the road with you.
Understanding auto insurance coverage types
Florida requires specific minimum coverage, but full protection goes beyond the basics. Here's how the major coverage types work together:
Required in Florida
- Personal Injury Protection (PIP) - $10,000 minimum
- Property Damage Liability - $10,000 minimum
Minimum Coverage Limits
Florida's minimum requirements may not be enough to fully protect you. We recommend higher liability limits and additional coverage types to avoid out-of-pocket expenses after an accident.
Recommended Coverage
- Bodily Injury Liability
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist
- Medical Payments Coverage
- Rental Reimbursement
Full Protection
Comprehensive auto insurance protects you and your vehicle from a wide range of risks — including damage to your car, injuries to others, and costs from uninsured drivers.
Important: Florida is a no-fault state, meaning PIP is required. But PIP only covers medical expenses — it doesn't protect you from liability claims or vehicle damage. We'll help you build a complete coverage plan.
What does auto insurance cover?
Liability Coverage
Protects you financially if you cause injury to others or damage their property in an accident. Includes bodily injury liability and property damage liability. Essential protection that goes beyond Florida's minimum requirements.
Collision Coverage
Pays to repair or replace your vehicle if it's damaged in a collision with another car or object — regardless of who's at fault. Helps you get back on the road quickly after an accident.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events — theft, vandalism, fire, weather, falling objects, and animal strikes. Protects your investment from unexpected perils.
Personal Injury Protection (PIP)
Required in Florida. Covers medical expenses, lost wages, and death benefits for you and your passengers — regardless of who caused the accident. Florida's no-fault coverage system.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Critical in Florida, where many drivers carry only minimum coverage or drive uninsured.
Rental Reimbursement
Covers the cost of a rental car while your vehicle is being repaired after a covered claim. Keeps you mobile and minimizes disruption to your daily life.
Roadside Assistance
Provides help when you need it most — towing, jump-starts, flat tire changes, fuel delivery, and lockout service. Affordable peace of mind for unexpected breakdowns.
Gap Coverage
If your financed or leased vehicle is totaled, gap insurance covers the difference between what you owe and what your car is worth. Essential protection for newer vehicles with loans.
Common questions about auto insurance
What auto insurance is required in Florida?
Florida requires all drivers to carry Personal Injury Protection (PIP) coverage of at least $10,000 and Property Damage Liability of at least $10,000. However, these minimums often aren't enough to fully protect you. We recommend higher liability limits and additional coverage like bodily injury liability and uninsured motorist coverage.
How much auto insurance do I need?
Beyond Florida's minimum requirements, we typically recommend bodily injury liability coverage of at least 100/300 (meaning $100,000 per person, $300,000 per accident), collision and comprehensive coverage for your vehicle, and uninsured motorist protection. Your ideal coverage depends on your assets, vehicle value, and risk tolerance.
What factors affect my auto insurance rates?
Rates depend on your driving record, age, vehicle make and model, location, credit score, coverage limits, and deductibles. Florida's high rate of uninsured drivers and severe weather risks also affect pricing. We compare quotes from multiple carriers to find competitive rates based on your unique profile.
What's the difference between collision and comprehensive coverage?
Collision coverage pays for damage to your vehicle from accidents with other cars or objects. Comprehensive coverage handles non-collision events like theft, vandalism, weather damage, fire, and animal strikes. Together, they provide complete protection for your vehicle beyond liability-only coverage.
Do I need uninsured motorist coverage in Florida?
While not required, uninsured motorist coverage is highly recommended in Florida. About 20% of Florida drivers are uninsured, and many more carry only minimum coverage. This protection ensures you're covered if you're hit by an uninsured or underinsured driver who can't pay for your injuries or vehicle damage.
Can I get a discount for multiple vehicles?
Yes! Multi-car discounts are available when you insure multiple vehicles on the same policy. Additional discounts may include: bundling with home or condo insurance, good driver discounts, safety features (anti-theft devices, airbags), defensive driving courses, and going paperless. We'll identify all discounts you qualify for.
Florida auto insurance carriers we work with
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