Auto Insurance

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Driving Insured in Florida

Whether you are en route to the beach, a festival in Miami, a theme park excursion in Orlando, or a business commute to Tampa, having a car in Florida has always been the preferred method of transportation. While the local Tri Rail, bus lines, and car services offer convenience, without your own ride, you’ll be limited in your options for work and play.

Once you find the motor vehicle that suits you best, it’s time to consider the coverage that meets your needs and price range. Florida is a no-fault state, meaning that your state-mandated minimum auto insurance coverage will help pay for you and your passengers if you get into an accident, regardless of who causes the crash.

Florida Car Insurance Minimums

Florida auto insurance regulations require that all drivers carry a minimum of:

$10,0000 Property Damage Liability (PDL)

$10,0000 Personal Injury Protection (PIP)

The State of Florida may request or require that a driver purchases extra coverage such as Bodily Injury Liability (BIL) if you have traffic offenses on your record.

5 Main Types of Car Insurance

Liability Insurance

Personal Injury Protection

Collision Coverage

Comprehensive Coverage

Uninsured /Underinsured Motorist Protection

Additional Car Coverage Options

Emergency Roadside Service

Gap Insurance

Umbrella Coverage

Rental Reimbursement