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Florida Auto Insurance You Can Trust
Navigating Florida Auto Insurance Can Be Confusing
Florida drivers face some of the highest auto insurance rates in the country, along with unique laws that can make coverage difficult to understand. As a no-fault state, Florida requires Personal Injury Protection (PIP) coverage, but minimum coverage alone may not fully protect you after a serious accident. Many drivers also carry little or no insurance, increasing your financial risk on the road. We help Florida drivers understand their options and secure coverage that balances protection, price, and peace of mind.
Auto Insurance Coverage Options Explained
Personal Injury Protection (PIP)
Required in Florida, PIP helps cover medical expenses and lost wages for you and your passengers—regardless of who caused the accident.
Property Damage Liability (PDL)
Also required by Florida law, this coverage pays for damage you cause to someone else’s property, such as their vehicle or fence.
Bodily Injury Liability
Not required by law, but highly recommended. This coverage protects you if you’re responsible for injuries to others in an accident.
Collision Coverage
Helps pay to repair or replace your vehicle after an accident, regardless of fault.
Comprehensive Coverage
Covers non-collision damage like theft, vandalism, fire, falling objects, and storm-related losses.
Uninsured / Underinsured Motorist Coverage
With many Florida drivers carrying minimal insurance, this coverage is critical for protecting you if you’re hit by someone who can’t fully pay for damages.
How We Help Florida Drivers Save and Stay Protected
As an independent auto insurance agent, we shop multiple carriers to compare rates, coverage limits, and discounts. We help you take advantage of savings opportunities like multi-policy bundles, safe-driver discounts, vehicle safety features, and good student programs. Our team explains Florida’s no-fault rules, PIP limits, and liability options in plain language so you can make confident decisions. Whether you drive daily on I-95, commute through West Palm Beach, or navigate seasonal traffic from snowbirds and visitors, we tailor coverage to your real-world driving risks.
Our Process
1
Review your driving history, vehicles, and coverage goals
2
Compare quotes from multiple Florida auto insurance carriers
3
Identify discounts and bundling opportunities
4
Recommend coverage limits that protect your budget and assets
Understanding Florida
Auto Insurance Requirements
The table below outlines Florida’s minimum auto insurance requirements compared to recommended coverage options for better protection.
| Coverage Type | Florida Requirement | What It Covers | Why It Matters |
|---|---|---|---|
| PIP | Required ($10,000) | Medical expenses and lost wages | Covers you regardless of fault |
| Property Damage Liability | Required ($10,000) | Damage to others’ property | Required to register a vehicle |
| Bodily Injury Liability | Not required | Injuries you cause to others | Protects assets and income |
| Uninsured Motorist | Optional | Injuries caused by uninsured drivers | Critical in Florida |
| Collision & Comprehensive | Optional | Damage to your vehicle | Often required by lenders |
Not sure which coverages are right for you? Our team can help you compare options and choose confidently.
Common Questions About Florida Auto Insurance
What auto insurance is required in Florida?
Florida requires drivers to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. Additional coverage is strongly recommended.
Is Florida a no-fault state?
Yes. Florida’s no-fault system means your PIP coverage pays for injuries regardless of who caused the accident.
How can I lower my car insurance premium?
We look for discounts such as multi-policy bundling, safe driver records, vehicle safety features, and usage-based programs when available.
Do I need uninsured motorist coverage in Florida?
While optional, it’s highly recommended due to the high number of uninsured drivers on Florida roads.
Can you insure more than one vehicle?
Yes. We can insure multiple vehicles and help you bundle auto with home, renters, or other policies for added savings.
Get Covered Before You Hit the Road
Protect yourself, your passengers, and your vehicle with Florida auto insurance designed for your needs. Our Jupiter-based team proudly serves drivers across Florida & Beyond with honest guidance and competitive options.
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