Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 4, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • It’s always a great idea to familiarize yourself with your state’s insurance rules
  • Florida is among a handful of states that have what is called no-fault insurance, or Personal Injury Protection (PIP) coverage
  •  If you are injured in Florida in an auto accident, you have 14 days to seek medical help following an accident
  • The best part about shopping online for coverage is that the quote forms go directly to insurance agents who are licensed in Florida

Before shopping for auto insurance, it’s always a great idea to familiarize yourself with your state’s insurance rules. In other words, know how much insurance Florida requires you to carry to drive legally in the state.

While minimum insurance is one way to save money, it might cost you dearly in the long run. Compare quotes on policies that offer good value to protect you and your family.

Florida is among a handful of states that have what is called no-fault insurance, or Personal Injury Protection (PIP) coverage. It means that everyone is responsible for their own insurance coverage.

For instance, if there is an accident with injuries, Florida policyholders just make a claim with their respective carriers for damages and injuries that occurred to them and their property.

PIP coverage includes your household, your kids and any passengers in your car who do not have PIP Insurance if they do not own a car. PIP covers your kids when they are on a school bus, for instance, too.

Enter your ZIP code above to start comparing quotes for FREE.

Curbing an Appetite for Fraudulent Claims

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Florida’s fate with the PIP coverage was on the line because of a spate of high-profile insurance fraud. In one instance, scam artists in Miami staged accidents with food trucks to collect insurance money.

In 2013, Florida introduced curbs on the length of time between an accident and seeking medical treatment.

It used to be an open-ended time period. Now, if you are injured, you have 14 days to seek medical help following an accident.

Many injuries do not show up until months after an accident.

To be on the safe side, make an appointment to see your healthcare practitioner for within the 14-day window even if you do not feel injured. You might feel the pain a few days after an accident.

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Changes to PIP Coverage in 2013

As of 2013, though, the full $10,000 PIP benefit is reserved for what legislatures defined as an emergency medical condition.

Be sure to visit one of the following professionals, because they are authorized to determine if you are among those with an emergency medical condition: osteopaths, medical doctors, physician assistants, dentists, or advanced registered nurse practitioners.

Everyone else, who is not classified as having an emergency medical condition will only receive up to $2,500 in PIP benefits.

That translates to $2,500 allowance for diagnosis and treatment of injuries. Bruising and soreness will fall under the lower benefit level.

PIP Coverage Breakdown

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  • $10,000 PIP benefit for emergency medical conditions only
  • $2,500 PIP payout for everyone else
  • MDs, DO, DDS, PA and Registered Nurse Practitioners determine your PIP eligibility
  • Seek help within 14 days of your accident
  • PIP benefits are no longer valid for massage therapy and acupuncture services

So, what happens when PIP coverage is not sufficient? The other driver’s liability coverage comes into play.

Now it’s time to move beyond PIP to learn about other types of car insurance offered to Florida drivers.

Knowing You Are Getting the Right Policy

The best part about shopping online for coverage is that the quote forms go directly to insurance agents who are licensed in Florida.

This means you can trust the quotes include all of the different elements of coverage that are relevant for whenever you buy your new policy. Compare quotes confidently from different providers.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Explore Car Insurance Benefits

Concerned that the other driver is uninsured or underinsured? That’s a reasonable fear in Florida, where up to 10 percent of drivers fall into this category.

That means that you need to protect yourself with uninsured motorist liability and property damage coverage up to amounts that you deem reasonable.

Bodily Injury Liability covers you if you cause serious injuries and even death in an accident.

Your insurance covers you or other drivers in your household too. The auto insurance company pays out benefits up to the limits you specify.

Beyond that, the other party may sue you. Read your policy details to find out how much legal representation your carrier will provide if you are sued.

Make sure that you buy sufficient coverage for the value of all of your assets, such as houses, boats, savings, retirement and anything else you own.

Property damage liability is coverage on damages that you or others in your household cause to other people’s property. It works similar to the bodily injury.

Snow Birds and Temporary Residents

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Florida has the great distinction of having a transient retired population who migrate South for winter and return home for the summer.

If you are among that population, you need to ensure that if your car is in Florida for more than 90 days you have insurance.

If you do not, your driving privileges may be suspended in Florida and you may receive a lot of fines.

The best way to deal with the added expense of keeping another vehicle is to shop around for the most competitive insurance quotes.

Any experienced and licensed Florida vehicle insurance agent understands the needs of seasonal residents.

Save Money on Multiple Policies

If you are living in Florida full-time or part-time, you probably have a great opportunity to save more money.

Answer yes to these questions and save:

  • Do you live in a house, condo, townhouse or apartment?
  • Do you own a boat?
  • Do you own other water craft (pontoon boats, air boats, jet skis, etc.?
  • Do you have a motorcycle?

If you answered yes to any of the above questions, then you can save money by buying your auto insurance through your present insurance companies.

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When Time is Not on Your Side

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Did you know that new customers often receive great rock bottom pricing on insurance policies?

Instead of just assuming you are getting the best rate by continuing with your present insurance carrier, shop around for better pricing and service.

Many times, people who have blindly renewed their policy for 10 years are shocked to see how much they were overpaying. Always shop around because it is easy, free and can be the easiest way to save money.

So, do not assume that because you have been with your present insurance carrier forever that you are getting the best rates. Take time to shop around for Florida auto insurance quotes every time your policy is about to renew.

If you can afford it, coordinate renewal of all of your policies for the same time.

This way you know that you are maximizing savings and making it easier to remember to renew your policies. If that would cause a cash flow problem, then feel free to spread out your renewals.

Whenever you can afford it, pay the full balance of your insurance policy all at one time.

Insurance carriers pad the bill a bit by charging processing fees every time they accept a payment from you, except if you pay in full in advance.

Knowledge is power. In the land of shopping for car insurance, it may keep a lot of money in your pocket.

Compare Florida auto insurance quotes at least every time your policy is up for renewal.

It helps to ensure you are saving the most money always. Buy your policies from the same carrier to maximize savings too.

Enter your ZIP code into the FREE below tool to get started!