Auto Insurance in Florida
Liability for injury and damage you cause, plus optional coverage for your own vehicle. Every state sets a minimum; the minimum is rarely enough.
What is different in Florida
Florida is the most distinctive property market in the country. Hurricane deductibles are percentage-based and separate from the all-other-perils deductible, roof age drives eligibility more than any other single factor, and Citizens operates as a large residual market rather than a marginal one. On the auto side Florida is a no-fault state that does not require bodily injury liability from most drivers, which makes uninsured motorist coverage the single most consequential option on the quote.
Exposures that shape pricing here
- flood
Auto Insurance reading
- State guides
Florida insurance guide
Percentage hurricane deductibles, roof age as the deciding factor, Citizens as a large residual market, and a no-fault auto system that reshapes the quote.
- Coverage explained
Auto insurance explained: what each coverage actually pays for
An auto policy is six separate coverages sold as one product. Most of them have nothing to do with your car. Here is what each one does.
- Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
- Coverage explained
Why state minimum auto limits are not enough
Minimum liability limits were set decades ago and have not kept pace with medical costs or vehicle values. What they cover, and what happens when they run out.