Quick answer
Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability on every registered car. Bodily injury liability isn't required to register, so many drivers carry none. Insurers must offer uninsured motorist coverage, and you have to reject it in writing. Lenders and leasing companies require collision and comprehensive. We compare standard, non-standard and usage-based carriers.
Coverage Overview
Florida's no-fault auto insurance system works differently than most states, and the coverage that satisfies the legal minimum is rarely the coverage that actually protects you after a serious accident.
What Florida requires vs. what actually protects you
- Personal Injury Protection (PIP) - $10,000 minimum, required for every registered vehicle regardless of fault
- Property Damage Liability - $10,000 minimum, covers damage you cause to someone else's property
- Bodily Injury Liability - not required to register most cars, but Florida's financial responsibility law requires it after certain at-fault injury crashes and DUI convictions, and it's the coverage that protects your assets if you injure someone
- Uninsured/Underinsured Motorist coverage - optional in Florida (insurers must offer it, but you can reject it in writing), and worth understanding before you decline it
Carriers we compare
We shop your policy across GEICO, Progressive, National General, and Bristol West for standard and non-standard risk, Root Insurance for usage-based pricing, Hagerty if you own a classic or collector vehicle, and FAJUA (Florida's insurer of last resort) for drivers who can't place coverage in the private market.
Auto Insurance FAQ
What auto insurance is legally required in Florida?
Just PIP ($10,000) and Property Damage Liability ($10,000) to register most cars. Bodily Injury Liability is required only after certain at-fault injury crashes or a DUI conviction, so many Florida drivers carry no coverage for injuries they cause to others.
Why should I carry uninsured motorist coverage if it's optional?
Because Florida doesn't require bodily injury liability to register a car, the at-fault driver in a crash with you may have no coverage for your injuries. Uninsured motorist coverage is what fills that gap - rejecting it in writing (which the law requires you to affirmatively do) is a real decision, not a formality.
What if I own a classic or collector car?
A standard policy values your car at actual cash value, which rarely reflects what a collector vehicle is actually worth. Hagerty and similar agreed-value policies price coverage around how collectors actually use and store the vehicle.
What it usually doesn't cover
- Driving for Uber, Lyft or deliveries, unless the policy has a rideshare endorsement.
- Vehicles used mainly for your business or titled to the business. Commercial auto insurance →
- Damage to your own car if you carry only the state minimums. That takes collision and comprehensive.
- Judgments above your liability limits. Umbrella insurance →
- Motorcycles, which need their own policy. Motorcycle insurance →
Every policy is different. Your declarations page and policy form decide what's covered.
Have this ready before you ask for a quote
- Driver's license number and date of birth for every driver in the household
- VIN, or year, make and model, for each vehicle
- Your current declarations page, to compare limits side by side
- Tickets, accidents and claims in the last three to five years
- Lender or leasing company name, if the car is financed
- Where each car is garaged, if it's not your home address
Don't have everything? Send what you have; an agent will ask for the rest. Coverage can't be bound or changed through this website.