Florida car insurance

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Florida auto insurance information

As with most states, Florida requires drivers to have a certain level of coverage. These requirements include:

  • Minimum $10,000 Personal Injury Protection
  • Minimum of $10,000 in Liability Coverage

You can learn more about auto insurance requirements in Florida from Florida Highway Safety and Motor Vehicles.

What is Personal Injury Protection (PIP) Coverage?
If you are injured in a car accident, Personal Injury Protection (PIP) pays for your medical expenses and other related costs. PIP coverage in Florida pays for:

  • Medical expenses from injuries suffered in an auto accident.
  • Lost wages due to missed time at work.
  • Household replacement services when paying someone to help you with tasks you could have done on your own before you were injured.

Discounts that help you save

Savings Discount

Online Purchase Discount

Buy your policy online and save. It's that simple.1


Get rewarded for your good driving behavior by saving up to 30% on your policy.2

Paperless Policy Discount

It’s a win-win. Good for your wallet and the environment.3
1Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
2Liberty Mutual: The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states.
3Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.