FL Auto Insurance — Compare & Save

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Frequently Asked Questions

What are Florida's minimum auto insurance requirements?

Florida requires $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). Florida does not require bodily injury liability coverage, making it one of the few no-fault states. However, $10,000 is dangerously inadequate—a serious accident can easily exceed $100,000. Most drivers should carry at least $100,000/$300,000 bodily injury liability, $100,000 property damage, and uninsured motorist coverage.

What is PIP (Personal Injury Protection) coverage?

PIP is Florida's no-fault coverage that pays your medical expenses and lost wages after an accident, regardless of who caused it. It covers 80% of medical bills and 60% of lost wages up to your policy limit (typically $10,000). PIP covers you, family members, and passengers. You must seek treatment within 14 days to qualify for PIP benefits. PIP doesn't cover pain and suffering—you'd need to sue the at-fault driver for that.

Do I need uninsured motorist coverage in Florida?

Yes, though it's not required by law. About 20% of Florida drivers are uninsured, and many more carry only minimum $10,000 coverage. Uninsured motorist (UM) coverage protects you when hit by an uninsured or underinsured driver, or in hit-and-run accidents. It pays for injuries, lost wages, and pain and suffering that exceed the at-fault driver's coverage. UM coverage is inexpensive and crucial protection—highly recommended for all Florida drivers.

What's the difference between collision and comprehensive coverage?

Collision covers damage to your vehicle from accidents with other vehicles or objects (poles, guardrails, etc.), regardless of fault. Comprehensive covers non-collision damage—theft, vandalism, fire, falling objects, animal strikes, and weather damage (hail, flooding). Both have deductibles (typically $500-$1,000). If you have a car loan or lease, your lender requires both. For older vehicles worth less than $3,000-4,000, you might drop these coverages to save money.

Will my insurance cover me if I drive for Uber or Lyft?

Personal auto insurance excludes commercial use like ridesharing. Uber and Lyft provide coverage, but it varies by period: Period 0 (app off) = your personal insurance; Period 1 (app on, waiting for ride) = limited Uber/Lyft coverage; Periods 2-3 (ride accepted/passenger in car) = full Uber/Lyft coverage. The gap is Period 1—you need rideshare endorsement on your personal policy to fill this coverage gap. Most insurers offer rideshare endorsements for $10-30/month.

How much does it cost to add a teen driver to my insurance in Florida?

In Florida, adding a teen driver to your existing policy typically increases your premium by 60% to 100%, with the average around 84%. That translates to roughly $2,000 to $3,500 more per year on your family policy. A standalone policy for a 16-year-old costs even more—$5,700 to $7,600 per year for full coverage. Always add your teen to your existing family policy rather than getting them a separate one.

Does my teen need their own insurance policy?

In most cases, no. Adding your teen to your existing family policy is almost always cheaper than a standalone policy. A separate policy for a 16-year-old can cost two to three times more. The only time a separate policy might make sense is if your teen's driving record is so poor that it's dramatically increasing rates on all your vehicles. If your teen lives in your household and has a license, most Florida insurers require you to list them on your policy.

What discounts are available for teen drivers in Florida?

Several discounts can significantly reduce teen driver premiums. The Good Student Discount (B average or higher) saves $280 to $780 per year. Telematics programs that monitor safe driving can save 10% to 30%. Bundling auto and homeowners insurance saves about 8% to 10%. Defensive driving courses offer 5% to 15% off. And if your teen goes to college 100+ miles away without a car, the Student Away discount can save 15% to 30%.

When do I need to add my teen to my auto insurance?

You generally don't need to add your teen while they have a learner's permit—most carriers cover permit holders under the parent's existing policy automatically. Once your teen gets their restricted license at age 16, you need to formally add them to your policy. If your teen lives in your household and has any type of driver's license, most Florida insurers require you to list them, even if they don't have their own car.

Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.