Auto Insurance for Florida Drivers

Personal Injury Protection (PIP)

Florida requires $10,000 of PIP, which helps pay your own medical expenses and certain lost income after a crash, regardless of fault.

Property Damage Liability (PDL)

Florida requires $10,000 of PDL, which helps pay for damage you cause to someone else’s property.

Bodily Injury Liability (BI)

Helps pay for injuries you cause to others. Most Florida drivers aren’t required to carry it, but it can be required in certain situations, such as after some accidents or violations, or with an SR-22 or FR-44 filing. Without it, you may be personally responsible for those costs.

Uninsured/Underinsured Motorist (UM/UIM)

Helps protect you if you’re hit by a driver with little or no insurance.

Comprehensive Coverage

Helps with damage to your vehicle from things like theft, vandalism, fire or storms. Lenders often require it on financed or leased vehicles.

Collision Coverage

Helps repair or replace your vehicle after a collision. Lenders often require it on financed or leased vehicles.

Roadside Assistance

Help with things like towing, flat tires or a dead battery.

Rental Reimbursement

Helps pay for a rental car while yours is being repaired after a covered loss.