PIP, liability, uninsured motorist — Florida auto insurance has unique rules. Here is a plain-English breakdown.
Florida is a no-fault state, which makes its auto insurance rules different from most of the country.
Personal Injury Protection (PIP)
Florida requires $10,000 in PIP, which pays for your own medical expenses after an accident regardless of who was at fault.
Property Damage Liability
Also required, this covers damage you cause to someone else's property, like their vehicle.
Coverages worth adding
Because the state minimums are low, we usually recommend bodily injury liability, uninsured/underinsured motorist coverage, and comprehensive and collision if you have a newer vehicle.
Let us compare your options
Rates vary widely between carriers for the exact same driver. We shop the market to find you strong coverage at a competitive price.