Florida auto insurance, shopped the way it should be.
Florida is a no-fault state with a litigation problem and rising rates. We quote 20+ carriers, structure PIP and UM correctly, and bundle with home or umbrella when the math works.
- 20+ carriers compared on every renewal
- Bundling with home saves 10–25% on average
- Uninsured motorist coverage properly structured
- A licensed agent on the phone — not a chatbot
Coverage that fits Florida realities
PIP & PD (FL minimums)
$10K Personal Injury Protection and $10K Property Damage Liability are required. We almost always recommend going higher — minimums won't cover a single ER visit.
Bodily injury liability
Optional in Florida, but critical. Protects your assets if you injure someone. We typically write 100/300 minimum, often higher for homeowners.
Uninsured motorist
Roughly 20% of Florida drivers carry no insurance. UM steps in when they hit you and can't pay. We never recommend declining UM.
Comprehensive & collision
Comp covers theft, hail, falling objects, and animal strikes. Collision covers crashes regardless of fault. Required if you have a loan.
Rental & roadside
Rental reimbursement during a covered claim plus 24/7 roadside — usually $25–$40/year for both. Worth it for daily drivers.
Gap insurance
If you owe more than the car is worth and it's totaled, gap pays the difference. Critical for leases and new-car loans.
Honest, Florida-specific ranges.
Every policy is priced individually. These are averages across Vantage clients in the last 12 months — your quote may be higher or lower based on location, structure, and history.
Frequently asked
Why is Florida auto insurance so expensive?
Three drivers: high uninsured-motorist rate (~20%), historically heavy litigation environment, and weather/theft losses. Recent tort reform is beginning to ease pressure — we re-shop every renewal to capture savings as carriers re-price.
Do I really need more than the state minimum?
Almost always yes. $10K PIP doesn't cover a serious injury. $10K PD doesn't cover a modern SUV. If you own a home or have savings, carrying state minimums means one bad accident can put those at risk.
How much does bundling with home save?
Across Vantage Florida clients, the average home + auto bundle saves $640/year versus standalone policies — and closes gaps between the two policies that often go unnoticed.
What happens if I'm hit by an uninsured driver?
Without UM coverage, you're relying on your own PIP ($10K medical) and out-of-pocket for everything else. With UM at the same limits as your liability, your policy pays as if the other driver had insurance.
Get your Florida quote today.
A licensed Florida agent responds within one business hour.