Florida auto insurance coverage, explained.
What Florida requires, what each coverage does, and what’s worth adding. Your actual policy documents always control, and we’ll walk you through them before you decide.
What Florida requires
To register a vehicle, you need proof of both of these.
Personal injury protection (PIP)
Covers 80% of necessary and reasonable medical expenses up to the limit, regardless of who caused the crash.
Property damage liability
Pays for damage you or someone driving your car causes to other people’s property.
Continuous coverage
Coverage must stay active even if the car isn’t driven. A lapse can lead to suspension and reinstatement fees.
Source: Florida Highway Safety and Motor Vehicles. Rules can change; check flhsmv.gov.
What to consider adding
The minimums leave real gaps. Here’s what fills them.
Bodily injury liability
Pays for injuries you cause to other people, and for your legal defense in a covered claim.
Worth knowing: most Florida drivers aren’t required to carry it, but without it you could be personally responsible for another person’s medical bills.
Collision
Pays to repair or replace your car after a crash with another vehicle or object, regardless of who’s at fault, minus your deductible.
Worth knowing: it doesn’t cover theft or storm damage. That’s comprehensive.
Comprehensive
Covers damage that isn’t a crash: theft, vandalism, fire, falling objects, hail, flooding, and hitting an animal, minus your deductible.
Worth knowing: in a state with storm season, this one matters. It doesn’t cover crashes or normal wear and tear.
Uninsured / underinsured motorist
Protects you and your passengers if the driver who hits you has no insurance, or not enough.
Worth knowing: you can’t count on the other driver being insured. This is often worth a close look.
Higher medical limits
PIP only goes so far. Additional medical coverage can help with bills beyond the required amount.
Worth knowing: we’ll explain what your limits would actually pay.
Roadside & rental
Optional extras: towing, lockouts, jump-starts, and a rental car while your car is repaired after a covered claim.
Worth knowing: rental and roadside have daily and per-event limits. We’ll tell you what they are.
We’ll tell you what we’d recommend, and what it leaves out.
Common questions
What auto insurance does Florida require?
Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL) to register a vehicle. Bodily injury liability is not required for most drivers. These are minimums, not recommendations, and rules can change, so check flhsmv.gov for the latest.
Is the Florida minimum enough?
It covers the basics: your own medical bills up to a limit, and damage you cause to other people’s property. It does not pay for injuries you cause to others or for repairs to your own car. We’ll show you what to consider and what each option costs.
Do you serve my area?
Yes. We focus on drivers in Miami-Dade and Broward, and we can help anywhere in Florida.
How fast will I hear back?
We'll reach out within one business day of your request. If you ask for a call, we call. If you ask for email, we email.
What happens if my coverage lapses?
Florida can suspend your license plate and driving privilege for a lapse in required coverage, and reinstatement can cost up to $500 in fees. Keep coverage continuous, even on a car you aren’t driving, and talk to us before you cancel anything.
Does asking for a quote commit me to anything?
No. Nothing is bound until you confirm and we confirm in writing.
Find the right Florida coverage.
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