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Florida Auto Insurance: Complete Guide for Florida Drivers (2025)

Florida Auto Insurance is more than a legal formality – it’s a vital safeguard for your finances and safety on Florida’s roads. In this comprehensive guide, we break down everything you need to know about personal auto insurance in the Sunshine State. This includes the mandatory coverages Florida law requires. Additionally, we cover optional coverages that can better protect you.

Understanding the ins and outs of Florida Auto Insurance is crucial for every driver in the state.

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Understanding Florida Auto Insurance

Florida Auto Insurance is essential for financial security while driving on the roads.

Florida is a “no-fault” auto insurance state, which means each driver’s own insurance pays for their injuries, regardless of who caused an accident. This is why Florida law requires Personal Injury Protection (PIP) coverage for all drivers.

In practice, Florida auto insurance policies function like those in other states: you pay a premium to an insurance company in exchange for financial protection. A standard policy includes several types of coverage (some required, some optional) that help pay for different kinds of losses, from vehicle damage to medical bills and legal liability.

Choosing the right Florida Auto Insurance policy can save you money and provide peace of mind.

Choosing the right Florida Auto Insurance policy can save you money. It can also provide peace of mind.

Personal vs. Commercial Auto Insurance

It’s also crucial to distinguish between personal auto insurance (the focus of this guide) and commercial auto insurance. Personal auto insurance covers private passenger vehicles for everyday use – commuting, family travel, personal errands, etc. If you use a vehicle for business purposes (such as making deliveries, transporting clients, or if you own trucks or vans for a company), you will likely need a commercial auto insurance policy. Commercial policies (often called Business Auto Insurance) are designed to cover business liabilities, higher-risk vehicle use, and multiple drivers or vehicles under a business name (advantagefl.com). Advantage Insurance can assist with both personal and commercial auto needs – see our Commercial Auto Insurance page for business vehicle coverage. For this article, however, we’ll focus on personal auto insurance for Florida residents.

Florida Auto Insurance Requirements (Minimum Coverages)

Compliance with Florida Auto Insurance laws is necessary to avoid penalties.

Florida law mandates two main auto insurance coverages for all owners of a motor vehicle with four or more wheels: Personal Injury Protection (PIP) and Property Damage Liability (PDL). According to Florida statutes, you must carry at least $10,000 in PIP coverage and $10,000 in PDL coverage (floridabar.org). These minimum requirements must be in place before you register your vehicle in Florida (flhsmv.gov). Below is an overview of what these required coverages mean:

Make sure your Florida Auto Insurance meets all state requirements.

Personal Injury Protection (PIP)

This no-fault coverage pays for 80% of necessary medical expenses and 60% of lost wages for you and your passengers, up to the $10,000 limit (minus any deductible), if you’re injured in an auto accident (floridabar.org). PIP applies regardless of who caused the accident. It also includes a $5,000 death benefit. Florida’s PIP coverage is intended to reduce lawsuits by providing quick payment for injuries. Important: To use PIP benefits, you must seek initial medical treatment within 14 days of the accident (floridabar.org); otherwise, the insurer can deny your PIP claim. PIP covers you (the insured), relatives in your household, certain passengers without their own PIP, and pedestrians or bicyclists you might injure in a crash (floridabar.org). However, PIP’s limit is relatively low – serious accidents can easily exhaust it, which is why additional medical coverage (like MedPay or health insurance) and liability coverage are crucial.

Florida Auto Insurance provides essential coverage in case of accidents.

Property Damage Liability (PDL)

This coverage pays for damage you or family members cause to other people’s property with your car. It covers damage to another vehicle, but also other property like fences, buildings, or poles that you hit (floridabar.org). Florida law requires a minimum of $10,000 in PDL on your policy. If you are at fault in an accident, your PDL pays for the repairs or actual cash value of the other party’s vehicle (or other damaged property) up to your policy limit. Note: PDL does not cover damage to your own car – that would fall under collision coverage (optional, discussed later). Despite the low required limit, you can be held personally responsible for property damages above $10,000 if an accident you cause results in higher repair costs, so carrying higher limits is wise.

No Bodily Injury Liability Required?

Understanding the minimum Florida Auto Insurance requirements is vital for all drivers.

Uniquely, Florida does not require Bodily Injury Liability (BIL) coverage for most drivers (unlike nearly every other state). BIL would pay for injuries or death that you cause to others in an accident. In Florida, you technically can register and drive with no BIL on your policy – but that doesn’t mean you’re off the hook for injury costs you cause. Florida’s Financial Responsibility Law can impose penalties (like license suspension and personal financial liability) if you cause an accident with injuries and don’t have the means (insurance or otherwise) to pay for the damages. In practice, carrying BIL coverage is highly recommended to protect yourself. Additionally, certain drivers must have BIL by law: for example, if you’ve been convicted of a DUI, Florida requires you carry at least $100,000 BIL per person / $300,000 per accident, and $50,000 PDL for three years after reinstating your license (floridabar.org). This is often filed as an FR-44 form with the state. Outside of such cases, BIL remains optional but smart to have – we’ll cover it under optional coverages below.

Penalties for No Insurance

If you fail to maintain the required PIP and PDL coverage continuously, Florida can suspend your driver’s license and vehicle registration. There’s no grace period – you need insurance in force at all times on a registered car, even if you’re not currently driving it. If your insurance lapses, your plates should be surrendered to avoid penalties (flhsmv.gov). Reinstating a suspended license for insurance lapses can cost $150 to $500 in fines (flhsmv.gov). In short, never drive uninsured in Florida; it’s illegal and financially risky.

Optional coverages can enhance your Florida Auto Insurance protection.

Optional Coverages to Consider in Florida

Beyond the bare legal minimum, you have several optional coverages available that can greatly enhance your financial protection. Given Florida’s minimal requirements, most drivers should carry additional coverage to avoid large out-of-pocket costs in accidents. Here are common optional coverages (and some that are “optional” by law but effectively essential) for Florida auto policies:

Be aware of the various types of Florida Auto Insurance available to you.

- Bodily Injury Liability (BIL): As noted, Florida doesn’t mandate this coverage for most, but you absolutely should have it. BIL pays for injuries or death to others if you cause an accident. Without BIL, you could be sued personally for medical bills, lost wages, pain and suffering, etc. You can choose liability limits (commonly $25,000/$50,000, $50,000/$100,000, $100,000/$300,000, etc. per person/per accident). Higher limits provide more protection for your assets if a serious crash occurs. Many Florida drivers carry at least 100/300/50 (100k per person bodily injury, 300k per accident, 50k property damage) or more (autoinsurance.com) to be safe. Tip: If you have significant assets or income, consider even higher limits or an umbrella policy for additional liability coverage.
- Uninsured/Underinsured Motorist (UM/UIM): Florida has a high rate of uninsured drivers (approximately 20% of Florida drivers were estimated to be uninsured in recent years, iii.org). If an uninsured or underinsured driver injures you, their lack of adequate insurance could leave you with medical bills. UM coverage steps in to pay for your injuries (and those of your passengers) when the at-fault driver has no insurance or not enough BIL coverage. UM in Florida typically matches your own BIL limits (you can select “stacked” UM for even broader protection across multiple vehicles). Given so many drivers carry no BIL here, UM is very important – it essentially protects you from others’ lack of insurance. We strongly recommend adding UM coverage up to the level of your liability limits.

Florida Auto Insurance can be tailored to suit your personal needs.

- Collision Coverage: Collision insurance pays to repair or replace your own vehicle if it’s damaged in a collision (whether you hit another car or object, or your car overturns). It covers your car regardless of fault (though if the other driver was at fault, your insurer may subrogate against them later). Collision coverage typically comes with a deductible (e.g. $500 or $1,000 that you pay out of pocket for repairs before insurance pays the rest). While not required by law, if your car is financed or leased, your lender will require you to carry collision (and comprehensive) coverage. In Florida, with so many vehicles on the road and high accident rates, collision coverage is wise unless your car is very old/low-value. It ensures you’re not stuck paying for your own car’s damage after an accident.
- Comprehensive Coverage: Often paired with collision, comprehensive (or “Other Than Collision”) coverage pays for damage to your car from non-collision events – for example: theft, vandalism, fire, flood, hail, falling objects, or hitting an animal. Florida’s weather (hurricanes, floods, thunderstorms) and risks like car theft make comprehensive coverage important. Like collision, it has a deductible. Comprehensive will pay up to the vehicle’s actual cash value for repairs or total loss. Notably, windshield glass damage in Florida is covered with no deductible if you have comprehensive (Florida law mandates deductible-free windshield repair/replacement to encourage safety) (floridabar.org). Comprehensive is required by lenders and recommended for most drivers, especially with newer cars or if you park outdoors frequently.

Consider Florida Auto Insurance policies that include comprehensive coverage.

- Medical Payments (MedPay): MedPay is an optional add-on that covers medical expenses for you and your passengers beyond what PIP covers, regardless of fault. Florida PIP only pays 80% of your medical bills (up to $10k) and has limits; MedPay can cover the remaining 20% or expenses above PIP’s cap, depending on the limit you choose. It can also cover things PIP might not after its limit, like co-pays or deductibles. MedPay is relatively inexpensive and can provide peace of mind, especially if you don’t have health insurance or have high deductibles on your health plan.
- Towing & Labor Coverage: Often called “Roadside Assistance,” this pays for emergency roadside services, such as towing your car after a breakdown or accident, jump-starting a dead battery, tire changes, or locksmith services if you’re locked out. In Florida’s hot climate and long highway stretches, having roadside coverage can save you from out-of-pocket costs and hassle when your vehicle is disabled. It usually has a limit per incident (e.g. up to $75 for towing).

Rental reimbursement is an important aspect of Florida Auto Insurance.

- Rental Reimbursement: If your car is in the shop due to a covered claim (accident repairs, etc.), rental reimbursement coverage will pay for a rental car or transportation up to a daily and per-claim limit. For example, it might cover a rental car up to $30 per day for 10 days. This coverage ensures you’re not stranded without a vehicle after an accident. Given the driving-centric lifestyle in Florida (especially if you commute), this add-on can be very useful.
- Other Optional Coverages: You may also consider additions like Accidental Death & Dismemberment (pays a benefit if you or a family member dies or is severely injured in a car accident), Gap Insurance (covers the difference if you owe more on a car loan than the car’s value – important for new cars that depreciate quickly), or Custom Equipment coverage (for aftermarket upgrades or sound systems). These are niche, but available if they fit your situation.

Additional options for Florida Auto Insurance can provide more security.

Summary table: key coverage types for Florida drivers, indicating which are required and what they protect:

Understanding the key types of Florida Auto Insurance is essential for smart coverage decisions.

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Coverage Type	Required in FL?	What It Covers
Personal Injury Protection (PIP)	Yes – $10,000 min.	Your medical bills & lost wages (80%/60%) regardless of fault, up to $10k per accident (floridabar.org). Required no-fault coverage; applies to you and passengers.
Property Damage Liability (PDL)	Yes – $10,000 min.	Damage you cause to other people’s property (vehicles, buildings, etc.) (floridabar.org). Pays others’ repair costs if you’re at fault (up to limit).
Bodily Injury Liability (BIL)	No (unless DUI)	Injuries/deaths you cause to others. Covers their medical bills, lost income, pain/suffering, and your legal defense if sued (floridabar.org). Recommended to carry (e.g. 100/300k).
Uninsured/Underinsured Motorist (UM)	No	Injuries to you and your passengers if an at-fault driver has no or insufficient insurance. Essentially covers what BIL would have, up to your limits, if the other driver can’t pay. Crucial in FL (many uninsured drivers).
Collision	No (lender may require)	Repairs or replaces your vehicle if damaged in a collision (regardless of fault). Typically pays ACV of car minus deductible. Vital for protecting your car; required by finance/lease companies.
Comprehensive	No (lender may require)	Repairs/replaces your vehicle if damaged by non-collision events: theft, fire, flood, hail, vandalism, animal strikes, etc. Windscreen damage covered with no deductible by law (floridabar.org). Also required if financed.
Medical Payments (MedPay)	No	Supplemental medical coverage for you and passengers. Pays medical/funeral expenses beyond PIP limits or outside PIP scope, regardless of fault. Helps cover the 20% PIP doesn’t pay and expenses above $10k.
Towing & Roadside	No	Emergency roadside assistance – towing, tire changes, jump starts, fuel delivery, locksmith services if stranded. Convenience coverage to avoid out-of-pocket roadside fees.
Rental Reimbursement	No	Cost of a rental car (or alternative transport) if your car is being repaired due to a covered claim. Subject to daily/total limits (e.g. $30/day). Prevents transportation disruption after an accident.

As you can see, carrying only the minimum PIP/PDL leaves gaps – notably no coverage for injuries you cause to others, your own vehicle’s damage, or injuries caused by uninsured drivers. Most Florida drivers will want to add liability (BIL) coverage and consider UM, collision, and comprehensive at a minimum. In fact, many experts recommend Florida drivers get “full coverage” (liability, comp, and collision) rather than just the state minimum (autoinsurance.com). If you’re unsure which optional coverages you need, Advantage Insurance’s licensed agents can help tailor a policy. We take time to understand your situation – what car you drive, its value, your financial exposure, and concerns – then recommend the right coverages. Our goal is to ensure you’re fully protected on Florida’s roads without paying for extras you don’t need.

How Florida Auto Insurance Rates Are Determined

You might wonder, “Why are my car insurance premiums what they are?” Auto insurance pricing can seem mysterious. Insurers use complex algorithms, but essentially your rate is based on your risk profile and the coverage you choose. Here are the major factors that affect auto insurance rates in Florida:

Driving Record: Your history on the road is one of the biggest factors. Tickets, accidents, or DUIs signal higher risk, leading to higher premiums. Safe drivers with clean records qualify for the best rates, while drivers with violations or at-fault accidents are deemed high-risk and charged more (content.naic.org).
Geographic Location: Where you live and drive in Florida significantly impacts rates. Urban areas (like Miami, Tampa, Orlando) tend to have more traffic, higher crime rates, and more accidents/claims than rural areas, so insurers charge more for city drivers (content.naic.org). Even within the state, rates vary.
Vehicle Type: What you drive matters. Expensive cars or luxury and sports models cost more to repair and are more likely to be stolen or involved in fast-driving crashes, so they come with higher premiums (content.naic.org).
Demographics (Age & Gender): Young drivers, especially teenagers and males under 25, pay the highest rates due to statistical correlation with accidents (content.naic.org).
Credit History: In Florida, insurance companies are allowed to use credit-based insurance scores as a rating factor. Good credit may qualify you for lower premiums, while poor credit can significantly increase costs (autoinsurance.com).
Prior Insurance & Lapses: Insurers look at continuity of coverage. Recent lapses or non-payment cancellations flag riskier behavior (content.naic.org).
Coverage Choices and Deductibles: More coverage and higher limits increase premium; higher deductibles on comp/collision reduce premium (balance risk vs. budget).
Vehicle Usage & Mileage: Long commutes or business use mean more exposure. Lower annual mileage can qualify you for discounts (content.naic.org).
Claims History: Frequent claims (even some not-at-fault) can increase your rates.

It’s worth noting that Florida auto insurance rates are among the highest in the nation on average. In fact, full coverage auto insurance in Florida costs about 36% more than the U.S. average premium (autoinsurance.com). Several factors unique to Florida contribute to this: the no-fault PIP system (which can lead to more medical claims), a high incidence of insurance fraud (staged accidents, exaggerated PIP claims) (autoinsurance.com), frequent lawsuits for even small accidents (Florida’s laws until recently allowed suing without a strong injury threshold) (autoinsurance.com), a high percentage of uninsured drivers (around 1 in 5 Florida drivers has no insurance) (iii.org), and weather risks like hurricanes that can damage many vehicles at once (autoinsurance.com). Insurers pass these costs to consumers in the form of higher premiums statewide (autoinsurance.com).

Good news: There are many discounts and strategies to lower your premium (we’ll cover top tips in the next section). Insurance companies offer discounts for things like safe driving, multi-car or bundling auto with home insurance, having safety features, taking defensive driving courses, being a good student, and more. As an independent agency, Advantage Insurance can also shop around with different insurers – since each company prices risk differently, we often find significant savings by comparing quotes. If you’ve seen your rate go up, it’s a great idea to have us re-shop your policy.

Strategies for saving on your Florida Auto Insurance can lead to significant savings.

Lastly, keep in mind that insurance pricing is highly individualized. Two drivers in Orlando with the same car and age can get very different quotes if one has accidents and the other doesn’t. That’s why we emphasize personalized service: we’ll review your unique profile and make sure you’re getting all the discounts you qualify for and not paying for coverage you don’t need. Our goal at Advantage Insurance is to help Florida drivers get adequate coverage at an affordable price – essentially the best value tailored to you.

Reviewing your Florida Auto Insurance regularly ensures you’re getting the best value.

Filing an Auto Insurance Claim in Florida

Knowing what to do after an accident (or any loss involving your car) will make the claims process smoother. Here’s an overview of the Florida auto insurance claims process and some tips:

Safety First & Notify Authorities: If you’re in an accident, first ensure everyone is safe. Florida law requires you to stop at the scene. For any significant accident involving injuries or substantial property damage, call 911 to get police and medical help. Even for minor fender-benders, it’s wise to call the police or at least exchange information with the other driver (name, contact, insurance details, license plate). A police report can be very helpful for insurance claims, even in a no-fault state, to document what happened.
Exchange Information: Get the other driver’s insurance company and policy number, driver’s license number, vehicle details, and contact info. If there are witnesses, politely ask for their contact info as well in case their account is needed.
Notify Your Insurance Company Promptly: In Florida, you’re required to report accidents to your insurer within a reasonable time. For PIP claims, you will be dealing with your own insurance company for injury treatment, so prompt notice is important. Contact Advantage Insurance or your insurance carrier’s claims hotline as soon as practical (from the scene if necessary, or later that day). We at Advantage can assist our clients in initiating the claim and guiding you on next steps. Quick reporting helps speed up the claim and avoids any denial for late notice.
Use Your PIP for Injuries: Because Florida is no-fault, if you or your passengers are injured, start with your PIP coverage. PIP will cover your medical bills up to $10,000 (80% of each bill) and lost wages (60% of lost income) after an accident, regardless of fault (floridabar.org). Be aware of the 14-day rule: you must seek medical treatment within 14 days of the accident for PIP to cover the expenses (floridabar.org).
Handling Vehicle Damage: For damage to vehicles, Florida operates under a traditional fault system for property damage. This means the at-fault driver’s PDL coverage should pay for damage to the other vehicle. If another driver hit you and was clearly at fault, their insurance should cover your repair costs. If you were at fault (or if fault is unclear), your collision coverage (if you have it) can pay for your car’s repairs, minus your deductible. Because the PDL minimum is just $10k, having collision can be a lifesaver if the other driver’s limit is insufficient.
Repairs or Total Loss: The insurance company will assign an adjuster to inspect the damage (or direct you to an approved body shop for an estimate). They will issue payment for repairs or for the actual cash value if the car is “totaled” (when repair cost approaches the car’s value). Advantage Insurance can coordinate inspections or provide information your carrier needs, and advocate for you during the process.
Serious Injuries (Beyond PIP): If injuries are severe and exceed PIP, Florida allows you to pursue a liability claim against the at-fault driver. Their Bodily Injury Liability (if carried) applies. If they lack BIL or it’s insufficient and you have UM coverage, you can file a UM claim with your own insurer. Notify your insurer of any legal papers you receive.
After the Claim – Following Up: Submit all bills and receipts (prescriptions, rental car costs, towing, etc.) for reimbursement under the appropriate coverage. If you feel a claim isn’t handled fairly, you can contact the Florida Department of Financial Services for assistance.

Claims Tip: Document the scene if it’s safe – photos of damage, positions, skid marks, surroundings. Don’t admit fault on scene; stick to facts. Insurance is there to protect you – Florida drivers pay high premiums; use your coverage when needed.

Top 7 Tips to Save Money on Florida Auto Insurance

Everyone likes to save money, especially with Florida’s auto premiums being higher than average. Here are seven proven strategies to secure a lower rate on your car insurance without compromising on coverage:

Shop Around and Compare Quotes: Rates can vary dramatically between insurance companies for the same driver. Take advantage of Advantage Insurance’s ability to shop your coverage with 30+ “A”-rated carriers. It’s recommended to compare quotes at every renewal (or every couple of years).
Choose Higher Deductibles (If You Can Afford It): Increasing deductibles on collision and comprehensive can significantly lower premiums. Balance savings with what you could comfortably pay out-of-pocket.
Bundle Your Policies: Combine auto with home, renters, or umbrella for multi-policy discounts. Advantage Insurance handles Home, Flood, Umbrella, Boat, Motorcycle, and Business Insurance, simplifying your coverage and often saving 5%–20%.
Ask About All Available Discounts: Safe Driver, Defensive Driving (including mature driver courses), Good Student, Multi-Car, Vehicle Safety Features, Telematics/Usage-Based, Paid-in-Full, and Paperless/EFT are common. We’ll help ensure you get every discount you qualify for (autoinsurance.com).
Maintain Good Credit: Better credit can reduce your premium in Florida where credit-based insurance scores are permitted (autoinsurance.com).
Keep Your Driving Record Clean: Avoid tickets and accidents. Florida allows traffic school to avoid points/surcharges on certain violations – use that option when eligible (autoinsurance.com).
Adjust Coverage for Older Vehicles & Review Annually: Consider dropping collision/comp on low-value cars after we review the math with you. Schedule an annual policy review to right-size coverages and hunt new discounts.

By following these tips, Florida drivers can often trim their premiums significantly. Every situation is different, but there are almost always savings to be found. Remember: the cheapest policy isn’t always the best – you want adequate coverage. Our focus is real discounts and right-sizing, so you’re well protected and paying a fair price.

Florida Auto Insurance FAQs

Below we answer some common questions about car insurance in Florida. If you have any other questions or want personalized advice, feel free to reach out to Advantage Insurance – we’re here to help.

What are the minimum auto insurance requirements in Florida?

Having a clear understanding of Florida Auto Insurance can alleviate many concerns.

Florida’s minimum required auto insurance is $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability coverage (floridabar.org). PIP covers your injuries on a no-fault basis, and PDL covers damage you cause to others’ property. These must be in place to register your car. Notably, Florida does not require bodily injury liability for most drivers (except certain cases like DUI convictions). However, just carrying the minimum is often not enough to fully protect you – it’s highly recommended to also carry BIL and other optional coverages as needed. Many drivers opt for higher limits such as 100/300/50 to be safe (autoinsurance.com).

Why is Florida auto insurance so expensive?

Florida auto insurance rates are consistently among the highest in the U.S. Reasons include the no-fault PIP system and associated fraud, frequent severe weather (hurricanes, floods, hail), a high percentage of uninsured drivers (~20%), and historically high lawsuit frequency. Together, these factors push rates higher than average (full coverage in FL is ~36% above U.S. average) (autoinsurance.com; iii.org).

Is Florida a “no-fault” state and what does that mean for me?

Being informed about Florida Auto Insurance is essential for every driver.

Yes. For injuries, each driver’s PIP pays medical bills up to policy limits regardless of fault. Minor injuries are handled via PIP rather than lawsuits. For serious injuries (meeting specific thresholds), you can pursue a liability claim against the at-fault driver. Property damage is still fault-based; the at-fault driver’s PDL pays for vehicle/property damage.

Do I need Bodily Injury Liability insurance in Florida?

While not required for most drivers, BIL is strongly advisable. Without it, a serious at-fault crash could expose you to large medical and legal costs personally. We recommend at least 50/100 or 100/300 limits for adequate protection (autoinsurance.com). DUI-convicted drivers face higher mandated limits and FR-44 filing (floridabar.org).

What if I’m hit by an uninsured driver?

Florida Auto Insurance can protect you against a variety of risks on the road.

About 1 in 5 Florida drivers are uninsured (iii.org). Your PIP covers initial medical costs; after that, UM coverage (if you carry it) can pay medical/pain & suffering up to your UM limits. For vehicle damage, collision coverage handles repairs if the at-fault driver has no insurance.

How can I lower my car insurance premium in Florida?

Shop around (or have us do it), bundle policies, raise deductibles (within comfort), maintain good credit and a clean record, enroll in telematics if you’re a safe driver, and review coverages annually for right-sizing. Ask us about every discount you might qualify for.

How does Advantage Insurance help Florida drivers with auto insurance?

Advantage Insurance is dedicated to helping you navigate Florida Auto Insurance.

Advantage Insurance LLC is a local, independent agency in Spring Hill serving the entire state. We represent 30+ top-rated carriers (e.g., Progressive, Travelers, Safeco, Mercury, The Hartford, and regional carriers) (advantagefl.com). We compare rates and coverage, advise on Florida-specific issues (PIP, UM, hurricanes/flood), assist during claims, and coordinate all your personal and business insurance needs.

How should I structure my auto insurance policy – any tips specific to Florida?

Understanding how to best structure your Florida Auto Insurance can save you money.

Carry higher liability & UM if possible; keep comprehensive (weather/crime risks); list all household drivers; consider stacked UM if you have multiple vehicles; use recommended glass networks for windshields; review endorsements (Extended PIP, exclusions, etc.); disclose any rideshare/delivery use to get proper endorsements or a commercial policy.

Your Florida Auto Insurance strategy should be tailored to your specific needs.

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