Car insurance

What car insurance is required in Florida?

Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) — it's a no-fault state. That minimum won't repair YOUR car or cover serious injuries you cause, so most drivers carry bodily injury liability, uninsured motorist, and collision/comprehensive too.

Why is car insurance so expensive in Florida?

Florida consistently ranks among the priciest states: heavy litigation and fraud drive PIP costs, dense traffic means more crashes, hurricanes damage vehicles, and a high share of uninsured drivers raises everyone's rates. Shopping annually and bundling with home insurance are two of the best counters.

What is uninsured motorist coverage, and do I need it in Florida?

It pays your medical bills and lost wages if a hit-and-run or uninsured driver hits you. Florida has one of the highest uninsured-driver rates in the country, so this coverage is arguably more important here than anywhere. We strongly recommend it.

Does my car insurance cover hurricane damage?

Only if you carry comprehensive coverage — it covers hurricane wind, flooding, falling trees, and hail damage to your vehicle. Liability-only policies won't pay a dime for storm damage to your own car. Given Florida's storm exposure, comprehensive is worth serious consideration.

How can I lower my car insurance premium?

Raise deductibles, bundle with home/renters, keep continuous coverage, take a defensive-driving course, ask about telematics/good-driver discounts, and shop your rate every year — loyalty rarely pays in Florida's market. We compare multiple carriers to find your best rate.