The right auto policy protects you financially if you’re in an accident or your vehicle is damaged — helping with property damage, liability and medical costs. We compare options from multiple carriers and explain them in plain language.
Every Florida driver with a registered vehicle.
Florida requires at least $10,000 of PIP and $10,000 of property damage liability.
Rental reimbursement, roadside assistance, gap coverage.
What do auto insurance policies cover?
Coverage depends on the policy you choose. These are the most common protections:
- Personal injury protection (PIP)Florida requires PIP, which helps pay your medical bills and lost wages after an accident, regardless of who was at fault.
- Property damage liabilityRequired in Florida — pays for damage you cause to someone else’s car or property.
- Bodily injury liabilityHelps cover other people’s injuries if you’re at fault. Not required for most drivers, but strongly recommended.
- CollisionHelps repair or replace your vehicle after a crash with another car or object.
- ComprehensiveCovers theft, hail, flooding, falling objects and vandalism — important in hurricane season.
- Uninsured / underinsured motoristProtects you and your passengers when the at-fault driver has little or no insurance.
Your situation may call for extras such as roadside assistance or rental reimbursement. Ask us how to tailor a policy to your needs.
Florida tip: State minimums only satisfy the law — they don’t protect your savings if you cause a serious accident. Most families on the Treasure Coast choose bodily injury and uninsured motorist limits well above the minimum.
Auto insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with auto insurance throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
What auto insurance is required in Florida?
Florida requires drivers with a registered four-wheel vehicle to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. Lenders usually also require collision and comprehensive on financed or leased cars.
Does auto insurance cover flood damage to my car?
Flood damage to a vehicle is covered under comprehensive coverage, not liability. If you only carry the state minimum, flood damage to your car would not be covered.
Can I bundle auto with my home or condo policy?
Often, yes. Many carriers offer a multi-policy discount when home and auto are placed together. We’ll compare bundled and separate options so you see the real difference.
Ready for your auto quote?
Free, no-obligation, and compared across multiple carriers.