Florida's minimum required car insurance coverage may leave drivers exposed after a serious accident. We compare options from the carriers we work with, explain what personal injury protection (PIP) typically pays, and, when available, can review bundling auto with your home or mobile home policy. Savings vary and are not guaranteed.
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Here is what Florida requires of most drivers, and what those minimums may not cover after a serious accident.
These are the minimum required limits for most drivers. They do not include coverage for injuries you cause to others.
Rideshare or delivery driving may require a special endorsement or commercial coverage. Contact us before you start. Coverage varies by carrier and policy.
Umbrella insuranceThis is a general overview, not a policy. Coverage depends on your policy's terms, limits, exclusions and the carrier.
Bodily injury liability is not required in Florida, so an at-fault driver may carry little or no insurance. In that situation, their policy may pay little or nothing toward your injuries.
Uninsured motorist (UM) coverage may help with your injuries in that situation, subject to policy terms and limits. Drivers may consider it because Florida's required minimums are low.
An out-of-state car may need Florida coverage, including PIP, once it has been in Florida for more than 90 days in a 365-day period. Those days do not have to be consecutive. Ask us how this applies to your situation.
A car left in Florida while you are away may be eligible for comprehensive-only coverage while it sits, depending on the carrier and your situation. Put full coverage back in place before anyone drives it.
Tell us when your car arrives and when it leaves, and we can help you plan your coverage. If the car will be in Florida for more than 90 days in a 365-day period, you may need Florida coverage in place. Call (239) 495-0805 or start a quote.
Some carriers price auto and home coverage together, so the lowest standalone car quote may not be the lowest combined cost. Bundling availability in Southwest Florida may be limited and varies by carrier, so we compare your options both bundled and separately, when available. Savings vary and are not guaranteed.
Storms can damage cars too. Flood and falling-tree damage to a vehicle may be covered by comprehensive coverage on an auto policy, rather than by a home or flood policy, subject to policy terms. We can help you review your coverage before hurricane season.
An umbrella policy may help with liability above your auto policy limits, subject to eligibility and underlying limits.
Discounts vary by carrier, and eligibility is subject to underwriting. Savings are not guaranteed. Rates change over time, so a periodic review may be worthwhile.
Don't have everything? Start anyway. We can discuss what else is needed.
Start your quoteYes. Florida requires personal injury protection (PIP), which typically pays a portion of your own medical costs after a crash regardless of fault, up to your policy limits and subject to policy terms.
Not for most drivers. Bodily injury liability may become required after certain violations, and Florida may require higher limits after some convictions. Without it, you may be personally responsible for injuries you cause. Ask us about your options.
Needs vary, and some drivers choose to carry more than the state minimum. Bodily injury limits, uninsured motorist coverage and an umbrella policy are options to discuss with an agent, depending on your situation. We can review your options with you.
It depends on your drivers, vehicles, driving record, where the cars are kept and the coverage you choose. Rates vary by carrier, so we compare quotes from the carriers we work with. Quotes are not guaranteed and are subject to underwriting.
Possibly for a limited time. An out-of-state car may need Florida coverage, including PIP, once it has been in Florida for more than 90 days in a 365-day period. Florida residents and Florida-registered vehicles have different requirements, so ask us before relying on an out-of-state policy.
Stacked UM, where available, may multiply your uninsured motorist limit by the number of vehicles on your policy. Non-stacked coverage typically costs less and applies only the limit on the vehicle involved. Availability varies by carrier.
Comprehensive coverage may cover storm-related damage to your vehicle, including flood and falling trees, subject to your deductible and policy terms. A liability-only policy typically does not pay for damage to your own car.
General information only, not legal advice. Coverage varies by carrier and policy form.
Tell us about your drivers and cars, and we will compare options from the carriers we work with, including bundled with your home coverage when available.
Extra liability coverage that may help if a covered claim or lawsuit exceeds your underlying home or auto limits. Standalone personal liability policies may also be an option with some carriers. Limits and eligibility vary by carrier.
Umbrella & LiabilityHomeowners coverage for your property. We compare carriers for standard homes, and we may be able to find options for older roofs, non-renewals, and homes looking for an alternative to Citizens.
Homeowners InsuranceManufactured and mobile homes: park or private land, tie-downs, roof age and occupancy can all affect which carriers will write your home. We work with carriers that insure these homes and compare your options.
Manufactured Home Insurance