That is the legal minimum to register a car here. PIP pays part of your own medical bills after a crash no matter who caused it, which is why Florida is called a no-fault state. You generally need to get medical care within 14 days of the accident for PIP to pay.
Bodily injury liability isn’t required for most Florida drivers, but without it you can be personally responsible if someone else is hurt. We show you what it costs to add it at different limits.
Florida insurers have to offer it, and you have to reject it in writing if you don’t want it. Collision and comprehensive, which pay for damage to your own car, are optional too, unless your lender or lease requires them.
Rates for the same driver and the same car can vary widely by carrier. We compare deductibles, limits and discounts side by side and explain the trade-offs before you decide.
A quote goes quickly when you have the basics at hand. If you already have a policy, bring the declarations page: it shows your current limits and price, so we can compare like for like.
Yes. Your own personal injury protection (PIP) pays part of your medical bills and lost wages after a crash, regardless of who caused it, up to your PIP limit.
Most Florida drivers aren’t required to carry it, but after certain violations, such as a DUI conviction, the state can require higher liability coverage. Even when it isn’t required, it protects your savings if you injure someone.
Tell us before they drive. Adding a driver changes the price, and carriers price young drivers very differently, so it is a good moment to compare.
Many carriers offer a discount when home and auto are with the same company. We check whether bundling actually lowers your total before recommending it.
Tell us what to quote and how to reach you. A licensed agent gets back to you with options, in English or Spanish.
Homeowners, condo and renters policies, with the hurricane and flood questions answered up front.
See coverageGeneral liability, property and workers’ compensation, set up with your payroll in mind.
See coverageTerm and permanent life insurance for families and business owners, sized to real numbers.
See coverageCall and ask for the insurance team. A licensed agent walks you through the options for your home, car, business, health or family.
(786) 612-5021