FL Auto Coverage Calculator

Not sure how much car insurance you need in Florida? Answer a few questions and get a personalized coverage recommendation in 2 minutes. Free tool.

Frequently Asked Questions

How much liability coverage do I need in Florida?

Florida's $10,000 PIP and $10,000 property damage minimums are dangerously low. Most drivers should carry at least $100,000/$300,000 bodily injury liability and $100,000 property damage. If you have significant assets — home equity, savings, retirement accounts — match liability limits to what you'd lose in a lawsuit, then add an umbrella policy on top.

Is this calculator a quote?

No — this calculator recommends coverage limits, not premium prices. After you see your recommended limits, request a quote and we'll shop 40+ A-rated carriers to find the best price for that exact coverage.

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