Florida Car Insurance: Compare 30+ Carriers | Estrella
Auto insurance 101 · Florida
Florida car insurance, made simple.
Here's how it works, what Florida requires, and how we find you the right policy at the right price.
What is auto insurance?
A contract between you and an insurance company. You pay a premium, and the insurer helps pay for covered losses, up to your policy's limits.
It also keeps you legal: Florida requires drivers to carry at least minimum coverage.
How does car insurance work?
- 1
You pay a premium
Monthly or all at once, for a term that usually lasts 6 or 12 months.
- 2
Something happens
A crash, a storm, a stolen car or an injury on the road.
- 3
You file a claim
You tell your insurer what happened. Your agent can help you through it.
- 4
Your insurer pays
For covered losses, up to your limits, after you pay your deductible.
Car insurance terms, in plain English
- Premium
- What you pay for your policy, monthly or all at once.
- Deductible
- What you pay on a claim before your coverage kicks in.
- Limit
- The most your policy will pay for a covered loss.
- Claim
- Your request for the insurer to pay for a covered loss.
- Policy term
- How long your policy lasts before renewal, usually 6 or 12 months.
What is a deductible? See how it works
Say a covered accident causes $3,000 in damage to your car. Pick a deductible:
You pay $1,000
Your insurance pays $2,000
Example only. A higher deductible usually lowers your premium, but you pay more when you file a claim.
Florida car insurance requirements
Florida requires every registered car to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida is a no-fault state, so your own PIP pays first for your injuries. Bodily injury liability isn't required for most drivers, but it's strongly recommended.
Reviewed by [Licensed agent name], licensed Florida insurance agent. Updated October 19, 2026.
$10K
Personal Injury Protection (PIP)
$10K
Property Damage Liability (PDL)
- Florida is a no-fault state. Your own PIP pays first for your injuries, no matter who caused the crash.
- Keep it active as long as your car is registered in Florida, even if you're not driving it.
- Minimums are a floor, not a plan. Without bodily injury liability, you could pay out of pocket if you hurt someone.
- Some drivers need an SR-22 or FR-44 to prove coverage after certain violations. We can file it for you.
As of 2026. Bills to repeal PIP have been proposed in Florida but have not become law. Source: Florida Department of Highway Safety and Motor Vehicles.
Types of car insurance coverage
Two are required in Florida. The rest depend on your car, your budget and how much risk you want to carry.
Personal Injury Protection
Pays 80% of your medical bills and 60% of lost wages, up to $10,000, no matter who caused the crash. Get care within 14 days to use it.
Property Damage Liability
Pays for damage you cause to someone else's car or property, like a fence or a mailbox. Minimum: $10,000.
Bodily Injury Liability
Pays for injuries you cause to other people, and helps with your legal defense if you're sued. Not required for most Florida drivers.
Uninsured Motorist
Protects you and your passengers when the driver at fault has little or no insurance.
Collision
Repairs your car after it hits another car or an object, no matter who's at fault.
Comprehensive
Theft, vandalism, storms, flooding, falling trees and hitting an animal.
Medical Payments
Helps with medical costs PIP doesn't cover, for you and your passengers.
Roadside & Rental
Towing, jump-starts, flat tires, and a rental while your car is in the shop.
If your car is financed or leased, your lender will usually require collision and comprehensive. Availability and limits vary by carrier.
Liability vs. full coverage
“Full coverage” isn't an official term. It usually means the Florida minimum plus bodily injury liability, collision and comprehensive.
| Coverage | Florida minimum | Full coverage |
|---|---|---|
| Personal Injury Protection (PIP) | ||
| Property Damage Liability (PDL) | ||
| Bodily Injury Liability | ||
| Collision | ||
| Comprehensive | ||
| Uninsured Motorist |
Not sure what you need? An agent can walk you through it for free. Find an agent
What affects the cost of car insurance in Florida
Every carrier weighs these differently. That's why comparing carriers can change your price.
Driving record
Accidents and tickets usually raise your rate. A clean record helps.
Where you live
Busy urban ZIP codes often cost more than quieter areas.
Your car
Its value, repair costs, safety features and theft risk all count.
Age & experience
Newer drivers tend to pay more. Years behind the wheel help.
Coverage you choose
Higher limits cost more. Higher deductibles usually cost less.
Credit history
Many carriers use a credit-based insurance score to help set rates.
How Estrella helps
We do the shopping. You make the call.
Our agents compare 30+ carriers, explain your options in English or Spanish, and let you choose the best company or the best rate.
- 1Tell us about you, your car and your drivers
- 2Compare coverage and prices side by side
- 3Pick your policy, online or with your agent
195 local agencies in Florida.
Rather call? 1-800-CAR-INSURANCE
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five-star Google reviews from Estrella customers.
Read the reviewsFlorida car insurance FAQs
Is car insurance required in Florida?
Yes. Every car registered in Florida needs at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL), and the coverage must stay active as long as the car is registered.
How much does car insurance cost in Florida?
There's no single price. Your rate depends on your driving record, ZIP code, car, age and the coverage you choose, and each carrier prices those differently. The quickest way to see your real price is to compare quotes. We check multiple carriers for you in a few minutes.
How can I get cheaper car insurance in Florida?
Compare quotes from several carriers, ask about discounts like bundling your home and auto policies, consider a higher deductible, and keep a clean driving record. Just make sure you still meet Florida's minimums and have enough protection for your situation.
What does no-fault mean?
Your own PIP pays for your and your passengers' injuries first, no matter who caused the crash. In some cases, like serious injuries, you can still make a claim against the at-fault driver.
What does “full coverage” mean?
It's not an official term. It usually means the Florida minimum plus bodily injury liability, collision and comprehensive, so both other people and your own car are protected.
How do I choose a deductible?
Pick an amount you could comfortably pay on short notice. A higher deductible usually lowers your premium, while a lower one means less out of pocket when you file a claim.
What are SR-22 and FR-44?
They're certificates your insurer files with the state to prove you carry insurance. Florida may require an SR-22 after certain violations, and an FR-44, with higher liability limits, after a DUI. Our agents can help you file either one.
Does my insurance cover a rental car?
Often your coverage carries over to a car you rent for personal use, but it depends on your policy. Ask your agent before your trip.
How do I get a quote?
Start online with your ZIP code, or call 1-800-CAR-INSURANCE. Have your driver's license and your car's info (or VIN) handy. It only takes a few minutes.
Can I change my coverage by text or email?
No. You can't bind, alter or change coverage by voicemail, email or text. Call or visit your agent.
Keep reading: How much is car insurance in Florida? 2026 rates are shifting
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