Saving money online

Florida Car Insurance Options

Florida has mandatory minimums for the amount of personal injury and property damage coverage you must purchase if you want to operate a motor vehicle in the state. Almost all Florida car insurance companies offer many other types and amounts of optional coverage you can add to your policy to make driving more worry-free.

What Other Coverage Can I Get?

Here’s a list of the types of optional coverage you can get for Florida car insurance from

  • Collision: If you’re involved in a motor vehicle accident, this coverage will pay for damage to your car. Your mandatory insurance will only pay for damages to someone else’s property.
  • Comprehensive: True to its name, comprehensive insurance covers a wide range of damage to your car that is not the result of an automobile accident. Things like broken glass or vandalism are covered by comprehensive coverage. Comprehensive coverage does not pay for maintenance or repairs due to normal wear and tear on your vehicle, however.
  • Uninsured or underinsured motorist: If you are involved in an accident with another motorist who is not insured, or whose insurance is insufficient to cover the types and amounts of losses you have suffered, this coverage will pay the difference up to the amount of your policy.
  • Towing and labor: When you’re involved in an accident that results in your car being disabled, this coverage will pay for the tow truck to get your auto to the repair shop, including charges for the operator of the tow truck.
  • Rental car coverage: If your car is disabled for a substantial period of time due to a covered accident, this will pay for the cost of a comparable rental vehicle until your car is repaired or replaced.

Florida law only requires personal injury and property damage policies with very low minimum coverage to allow you to drive a car; however, if you borrow money to finance the purchase of your car, your bank will almost certainly require you to cover your car for collision and comprehensive to get your loan according to

Additional Coverage For Florida Car Insurance

The purpose of no-fault car insurance is to make sure that insurance companies don’t have to sue one another after an accident to determine who will pay a claim. If blame had to be assigned to one party in a car accident, your claim could be held up indefinitely while law enforcement, the courts, and insurers determine who was at fault and in what proportion.

No-fault auto insurance laws order that insurers pay their own customers after an accident or other loss without delay. However, it is possible for another person to sue you after an accident to try to recover additional money, usually in the case of a death or severe injury or a large property loss. That’s where Bodily Injury Liability insurance comes in.

Optional Bodily Injury Insurance

A Bodily Injury Liability rider on your policy will protect your from having to pay judgments against you if you’re sued after an accident and found to be at fault. This liability insurance pays damages to the victims of the crash up to the limit of your policy, and can even pay for a lawyer to represent you during any court proceedings against you.

Other Mandatory Coverage You Might Have To Purchase

Your driving history can affect the amount and kinds of coverage that Florida requires you to carry to drive. If you’ve had your driver’s license suspended for traffic violations, your license is suspended more than once, or you have a history of car accidents that cause property damage, the state can require you to purchase Bodily Injury coverage in order to drive. According to, convictions for driving while under the influence of alcohol or drugs can also trigger a requirement for additional insurance. What are you waiting for? Get Florida car insurance today.