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 by the state, but required by most lenders and the only 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). Bodily Injury Liability isn't state-mandated, which is part of why Florida has one of the highest rates of uninsured and underinsured drivers in the country.
Why should I carry uninsured motorist coverage if it's optional?
Because Florida's uninsured-driver rate means a real share of at-fault drivers in an accident with you won't have liability coverage to pay 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.