Put a Speed Limit on Auto Insurance Rates

Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PD) coverage. Bodily Injury Liability is not required but is recommended. At minimum, at least $10,000 of Property Damage Liability and $10,000 of Personal Injury Protection is required to register and drive a vehicle in Florida.

If the vehicle is financed (or you would like to cover it voluntarily), you'll need to carry Comprehensive and Collision. This protects your vehicle from repair bills. Deductibles are usually $500 or $1,000 while other options are available.

Bodily Injury Liability is not needed to qualify for minimum requirements, but we strongly encourage everyone to include it. If you choose to carry it, $10,000 per person / $20,000 per accident is the minimum limit.

With Bodily Injury Liability included, you can select Uninsured Motorist coverage in an amount up to the same Bodily Injury Liability limit. This coverage can be limited to its selected limit or you may be eligible for a multiplier based on the number of vehicles you own.

Bodily Injury Liability is required by the State of Florida for drivers in specific situations. This typically occurs when ordered by a court or other administrative body.

Unless otherwise required, Florida drivers can reject Bodily Injury Liability. Should an accident occur without this coverage, however, you may be subject to fines, penalties, and court orders to carry that coverage for a period of time.

We like to say "It's not required.... until it is."

Personal Injury Protection provides coverage for the driver and passengers in the event they are injured due to a motor vehicle accident. PIP provides up to $10,000 in first party medical and loss wages benefits per person. At today's medical costs, this limit can be used up within a single visit.