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Visit our secure Easy Quote Page to get a Florida auto insurance quote comparison from top rated Florida insurance companies. We are a Florida based insurance agency that continually monitors Florida’s insurance market for the best auto insurance companies. Input your information once at our secure Auto Insurance Quote Page and we can quote it with all of our carrier’s in one easy step. We will email, fax, or call with your quote comparison, normally within 24 business hours. It’s the easiest way to get quotes from multiple companies online.

Florida Auto Insurance Rate Quotes

Florida auto insurance rate quotes can vary greatly due to many factors. Why does Company A charge $1,500 and Company B charges $500 for the exact same driver and auto? That’s because different insurance companies want to attract specific types of accounts. Certain drivers can be the bread and butter of one company while another company may adjust their rates to attract a completely different type of driver. Companies may take into consideration your driving record, credit history, age, address, auto, number of drivers and autos, as well as the type of coverage you carried on your previous insurance policy. All this information is compiled and you are issued a tier rate. The better your tier, the lower your insurance quote will be. One company is not always the best fit for all drivers. That is why we always compare these companies with our comparative rating software to verify the best quote.

Florida Auto Insurance Requirements

To register your auto in Florida the only insurance required is property damage liability coverage of $10,000 and PIP (see Ch. 627.731 of the Florida Statutes).

Property damage liability pays in the event you damage someone else’s property with your auto.

PIP, short for personal injury protection, pays for medical expenses incurred if you or your passengers are injured in an accident whether at fault or not at fault. PIP coverage also protects you as a passenger in someone else’s auto or as a pedestrian. Since Florida is a No-Fault state, we are each responsible for the first $10,000 of our own injuries, regardless of who is at fault, before we can go after the other party. PIP is designed to pay that amount under our insurance policy but, PIP pays at a rate of 80% of medical expenses, 60% of lost wages, and also acts as a life insurance policy in the event of a fatality with a maximum payout of $10,000 per person. The way PIP pays can be a little tricky so it is best to discuss with an independent insurance agent additional coverages that are available on your auto insurance policy to avoid any gaps in coverage.

Florida Auto Insurance Additional Coverages The most popular additional coverage is bodily injury liability. Although it is not required to register your auto in Florida, it is required under the Florida Financial Responsibility Law (see Ch. 324.021) if you injure someone in an accident. The minimum bodily injury liability coverage required under the law is $10,000 per person and $20,000 per accident. If you do not have this coverage at the time of the accident your license and registration can be suspended for up to 3 years, and you could be required to pay restitution for the injury you caused. It is very important to include this coverage on your Florida auto insurance policy. Higher coverage amounts are available, and you should consider these limits carefully, as this coverage is your protection limit in the event you are sued by someone you injure in an accident. Your consideration should include the amount of assets you have to protect, future income, etc.

Since PIP only pays 80% of your medical expenses, and we are responsible for the first $10,000 of our own medical expense, medical payments are a smart option. It is basically a medical fund which allows you to choose the additional amount of coverage you wish to carry. There are no percentages, co pays, or deductibles on your medical payments. We recommend a minimum of $2,000 but higher coverage amounts are available from most Florida insurance companies. This $2,000 could be enough to cover the 20% of the first $10,000 that PIP does not cover, however you can generally find that companies will offer up to $10,000 in medical payments.

Since so many drivers in Florida are uninsured or do not carry bodily injury liability we also recommend uninsured motorist coverage. Uninsured motorist pays for medical expenses in the event you are hit by someone who does not carry bodily injury liability, or they may not have high enough limits of bodily injury liability to cover your expenses. Uninsured motorist limits start at $10,000 per person and $20,000 per accident if more than one person is injured, and can also be used to cover loss of income, or as an additional death benefit in the event of a fatality. Keep in mind however, you cannot carry uninsured motorist limits that are higher than your bodily injury liability limits, so if you want more coverage for you and your passengers you will need to increase your bodily injury liability limits as well.

Comprehensive and collision cover physical damage to your auto. Comprehensive covers your auto for physical damage outside of an accident (i.e. theft, vandalism, windstorm, etc.). Collision covers your auto for physical damage due to an accident (i.e. colliding with another auto). You may choose the deductible you wish to carry on these coverages and this represents the amount of damage you are responsible for before the insurance policy responds. The higher deductible you are comfortable with the less the insurance company will charge for your premium.

Auto rental expense is also available and will pay a set limit for a certain period of time for a rental auto in the event your auto is damaged under the comprehensive or collision coverage.

Towing and labor can also be purchased to pay for expenses incurred for towing, locksmith, road side assistance, etc.

Most Florida auto insurance companies now offer loan/lease gap coverage if your auto is financed or leased. This is because in the event your auto is totaled under comprehensive or collision coverage, the insurance company only pays out based on the actual depreciated value of the auto. The loan/lease gap coverage would pay the difference between what you owe and what you were paid out for your claim.

How Florida Auto Insurance Could* Respond in an Accident Let’s take a look at how your Florida auto insurance could respond in a real life situation to give you a better idea of how all this works together.

Example 1 could go like this, you run into an auto and cause injuries and damages. The other party would be responsible for the first $10,000 in injuries and their PIP coverage pays most of that. If their injuries exceed $10,000 your bodily injury liability should respond to those expenses up to the limit you purchased on your auto insurance policy. Your property damage liability should pay to repair their auto as well as any additional expenses they incur (i.e. car rental expenses while their auto is being repaired) up to the limit you purchased. If their injuries and/or damages exceed the limits you purchased you would be responsible for those expenses out of pocket.

Example 2 would assume the other party hits you and causes injuries and damages to you. The same coverages would apply as above, however your additional coverages could come into play in this instance. If the other party does not have insurance or does not carry a high enough limit of bodily injury liability to cover all of your injuries you could file against your own insurance policy’s uninsured motorist and medical payments to cover the additional costs up to the limit you purchased on you auto insurance policy. If the other party does not have insurance or does not carry a high enough limit of property damage liability to cover all of your damages you can file against your collision coverage, however you would have to pay your deductible if this is the case. Towing and auto rental expense can also be filed against your policy to offset those costs if they are incurred. Finally if your auto is financed and it is totaled in this accident you will only be paid the depreciated value of the auto which could mean you may still owe money to pay your car off unless you have the loan/lease gap coverage.

*This is only an example of how coverage could apply and does not represent any guarantee of coverage.

Florida Auto Insurance Companies

We represent and compare rates of some of the top rated insurance companies in Florida including AIG, Progressive, Travelers, Mapfre, Infinity, Hanover, Bristol West, Dairyland, and Deerbrook.

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Florida Auto Insurance Coverage Area

We are licensed to write insurance throughout the state of Florida including but not limited to Jacksonville, Miami, Tampa, St. Petersburg, Orlando, Tallahassee, Cape Coral, and Pembroke Pines.