The amount of auto insurance you need depends on your vehicle, financial situation, driving habits, and risk tolerance. While Florida requires minimum liability coverage, many drivers choose additional protection to better safeguard their assets.
Florida Minimum Requirements
In Florida, drivers are required by law to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, this minimum coverage often falls short in the event of a serious accident.
Why You Might Need More
Medical costs and vehicle repairs have increased significantly. If you are at fault in an accident and the damages exceed your coverage limits, you could be held personally responsible for the difference. This is why we often recommend higher liability limits and additional coverages like Bodily Injury Liability and Uninsured Motorist coverage.
Protecting Your Vehicle
If you have a newer vehicle or a loan/lease, you will likely need Comprehensive and Collision coverage to protect the physical value of your car against accidents, theft, vandalism, and weather events.
Madis Garcia
Independent Insurance Professional at Premier All Insurance Inc.
Helping families and businesses in Florida and Texas find the right protection.
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