What auto insurance covers in Florida
Every Florida auto policy is a bundle of separate coverages. Florida's no-fault system makes some coverages mandatory and leaves important ones optional — understanding the difference is how you avoid being badly exposed after a crash.
- PIP (personal injury protection). required in Florida; it pays your own medical costs up to $10,000 regardless of who caused the accident
- Property damage liability. required; pays for damage you cause to other vehicles and property
- Bodily injury liability. not mandated for most Florida drivers — but strongly recommended, because without it you're personally exposed if you injure someone
- Uninsured/underinsured motorist. covers you when the at-fault driver has no or too little coverage — especially important given how many Florida drivers carry only the minimum
- Collision and comprehensive. repair or replace your own vehicle after a crash (collision) or after theft, fire, hail, flood, or an animal strike (comprehensive)
Florida's minimum requirements
Florida is a no-fault state: your own PIP pays your medical costs after a crash regardless of fault. Unusually, Florida does not mandate bodily-injury liability for most drivers, which is precisely why the state floor leaves you exposed if you injure someone.
| Requirement | Florida |
|---|---|
| Personal injury protection (PIP) | $10,000 required |
| Property damage liability | $10,000 required |
| Bodily injury liability | Not required for most drivers (see note) |
| System type | No-fault |
| Uninsured motorist | Offered; can be declined in writing |
Note: because Florida doesn't require bodily-injury liability, we urge clients to add it along with uninsured-motorist coverage. Without them, a serious at-fault crash can reach your savings, and an uninsured driver can leave your own injuries unpaid.
Why Florida auto insurance costs so much
Florida is consistently one of the most expensive auto insurance states in the country, driven by dense traffic, a high rate of litigation, a large share of uninsured drivers, and significant catastrophe exposure. Florida also permits credit-based insurance scoring in pricing. Because carriers weigh all of these factors very differently, comparison shopping is the single most reliable way to control your cost.
How to lower your premium in Florida
- Bundle home, condo, or renters with auto for a multi-policy discount
- Raise collision and comprehensive deductibles if you can absorb the smaller losses
- Ask about safe-driver and low-mileage (telematics) programs
- Keep continuous coverage — even a short lapse raises rates for years
- Re-shop at renewal, which an independent agent does for you automatically
Why buy Florida auto insurance through Maru
In Florida especially, one carrier's rate will rise — and if you bought direct, you're on your own. Maru re-shops your policy across our carrier network at renewal, applies every discount you qualify for, and makes sure you carry the bodily-injury and uninsured-motorist coverage the state minimum leaves out — at no added cost to you.
Frequently asked questions
Is Florida a no-fault state for car insurance?
What are Florida's minimum car insurance requirements?
Why is car insurance so expensive in Florida?
Do I need uninsured motorist coverage in Florida?
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.
Ready for a quote that actually fits?
Talk to a licensed Maru advisor in Washington or Florida. No pressure, no call-center scripts — just clear options and honest pricing.