Auto Insurancedone the right way.
Coverage that keeps you moving, at the right price.
What a Florida
auto policy covers.
Every situation is different. We build the policy around yours.
Bodily Injury Liability
Covers injuries to others when you're at fault in an accident.
Personal Injury Protection
Florida's required no fault coverage for your own medical bills.
Collision
Repairs or replaces your vehicle after an accident, regardless of fault.
Comprehensive
Theft, vandalism, hail, flooding and falling objects.
Uninsured Motorist
Protects you when the other driver has no coverage — common in Florida.
Roadside & Rental
Towing, lockouts and a rental car while yours is in the shop.
What's usually not included in your insurance, but we may be able to get you coverage.
Routine maintenance
Oil changes, tires and mechanical breakdown are never covered by an auto policy.
Rideshare driving
Driving for Uber or Lyft needs a rideshare endorsement or commercial policy.
Personal belongings
Items stolen from your car fall under your home or renters policy, not auto.
Submit your details
Tell us what you're insuring and a few basics about your situation.
We shop multiple carriers
We compare coverage and pricing from the top rated markets for your risk.
You choose with confidence
We walk you through options, deductibles and discounts.
Let's lower your auto premium.
- Free multi carrier comparison
- Bundle and safe driver discounts
- Same day proof of insurance
Get started with a free quote.
Auto insurance questions.
Common questions about Florida auto insurance coverage
What auto coverage does Florida require?
Florida requires $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability. Those minimums are low — most drivers should carry substantially more.
Why is car insurance so expensive in Florida?
High accident and litigation rates, a large share of uninsured drivers, and severe weather all push Florida premiums well above the national average.
Do I need uninsured motorist coverage?
We strongly recommend it. Florida consistently ranks among the states with the highest share of uninsured drivers (Insurance Research Council), and Florida does not require bodily injury liability at all — so UM coverage is often the only thing that pays for your injuries when someone else is at fault.
How can I lower my rate?
Bundle home and auto, raise your deductible, keep a clean record, ask about telematics programs, and let us reshop your policy at each renewal.
What does Personal Injury Protection (PIP) actually cover in Florida?
Florida is a no-fault state. PIP pays a portion of your medical expenses and lost wages after a crash regardless of who caused it, up to your PIP limit. To receive full PIP benefits you generally must be treated within 14 days of the accident, and benefits can be reduced if your injury is not classified as an emergency medical condition.
Does Florida require bodily injury liability coverage?
Florida's basic financial responsibility requirement is Personal Injury Protection and Property Damage Liability. Bodily injury liability is not required for most drivers, which is exactly why we recommend carrying it — without it, you are personally exposed for injuries you cause to others.
What is the difference between collision and comprehensive coverage?
Collision pays for damage to your vehicle from an impact with another vehicle or object. Comprehensive pays for non-collision losses: theft, vandalism, fire, falling objects, flooding and hurricane damage, and animal strikes. Lenders and lessors require both.
Is my car covered for flood or hurricane damage?
Yes, if you carry comprehensive coverage. Flood damage to a vehicle is handled by the auto policy, not a flood policy or your homeowners policy.
Do I need to add my teen driver to my policy?
Yes. Any licensed household member who regularly drives your vehicles should be listed. Unlisted resident drivers are a common reason claims get disputed. Good-student and driver-training discounts often offset part of the cost.
Does my personal auto policy cover business use or rideshare driving?
Usually not. Delivery, rideshare and most business use are excluded from a standard personal auto policy. You need a rideshare endorsement or a commercial auto policy depending on how the vehicle is used.