What it may cover
- Bodily injury and property damage liability to others
- Collision coverage for damage from an accident, regardless of fault
- Comprehensive coverage for theft, vandalism, flooding, or storm damage
- Uninsured/underinsured motorist coverage, which is common in Florida
- Personal injury protection (PIP) as required by Florida law
- Rental car reimbursement and roadside assistance add-ons
- Gap coverage for the difference between a car's value and what's still owed on a loan or lease
Who it's for
- Daily commuters who depend on their car for work
- New car owners financing or leasing a vehicle
- Drivers with a lapse in coverage looking to reinstate a policy
- Families insuring multiple drivers on one policy
- Rideshare and delivery drivers who need coverage that extends beyond a personal policy's exclusions
- New Florida residents replacing an out-of-state policy
Why it matters
Florida is a no-fault state with high rates of uninsured drivers, and Miami-Dade consistently ranks among the counties with the highest share of uninsured motorists in the state. Carrying only the legal minimum can leave you paying out of pocket after an accident that wasn't your fault, and named storms add a seasonal risk of hail, flooding, and falling debris that a bare-bones policy won't cover.
Common coverage options
State minimum
Meets Florida's PIP and PDL requirements only; lowest cost, least protection.
Full coverage
Adds collision and comprehensive so your own vehicle is protected, not just others.
High-liability + umbrella eligible
Higher liability limits for drivers with significant assets to protect.
Non-owner policy
Provides liability coverage for someone who drives occasionally but doesn't own a vehicle, such as a renter using a car-share service.
What affects the price
- 01Your driving record and claims history
- 02The make, model, and age of your vehicle
- 03Where you park and primarily drive the car
- 04Credit-based insurance score where permitted
- 05Coverage limits and deductible choices
- 06Annual mileage and typical commute distance
- 07Continuous insurance history and any coverage lapses
Questions to ask before buying
Ready to explore your options?
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Frequently asked questions
Coverage details depend on the carrier, selected policy, applicable state laws, underwriting criteria, and specific exclusions. This content is for informational purposes only and does not constitute legal or financial advice.
