Liability coverage
Liability coverage pays for injuries or property damage you cause to others in an at-fault accident. It's split into bodily injury liability and property damage liability, and required limits can increase under FR44 or SR22 filings.
Personal Injury Protection (PIP)
Florida is a no-fault state, meaning PIP is required for all drivers. PIP covers a portion of your own medical expenses and lost wages after an accident, regardless of who caused it.
Property Damage Liability (PDL)
PDL is Florida's other mandatory coverage. It pays for damage you cause to someone else's vehicle or property in an at-fault accident.
Comprehensive coverage
Comprehensive coverage pays for damage to your own vehicle from non-collision events — theft, vandalism, fire, flooding, or hitting an animal. It's optional unless required by a lender or lease.
Collision coverage
Collision coverage pays for damage to your own vehicle after an accident, regardless of fault. Like comprehensive, it's optional but often required if you're financing or leasing your vehicle.
Uninsured/Underinsured Motorist coverage
This coverage protects you if you're hit by a driver with no insurance or insufficient coverage to pay for your damages. Insurers in Florida must offer it, and many drivers choose to add it given the number of uninsured drivers on Florida roads.
Common discounts
- Multi-policy (bundling home/renters and auto)
- Good driver / claims-free history
- Defensive driving course completion
- Paid-in-full or autopay discounts
- Low annual mileage
Discount availability and amounts vary by carrier, which is one more reason comparing multiple insurers pays off.
FAQ
What auto insurance is legally required in Florida?
Florida requires drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) at minimum. Bodily injury liability is not universally required for all drivers but is strongly recommended and required after certain violations, including FR44 and SR22 cases.
Does Florida require uninsured motorist coverage?
It's not required by default, but insurers must offer it and many drivers choose to add it given Florida's relatively high rate of uninsured drivers.
What discounts are available on Florida auto insurance?
Common discounts include multi-policy bundling, good driver, paid-in-full, defensive driving course completion, and low-mileage discounts. Availability varies by carrier.