Auto Insurance in Florida

Understanding Florida’s auto insurance requirements and options can help save you time and money. The Monroe Insurance agents in Daytona Beach, Florida, can help you find coverage that meets the state’s auto insurance requirements and provides the right protection for your situation.

Is Auto Insurance Required in Florida?

Like most states, Florida mandates that drivers carry a minimum amount of auto insurance to legally operate a vehicle. Before you can register a Florida vehicle, you must purchase property damage liability insurance and personal injury protection coverage that meets the state’s requirements.

Property damage liability insurance may help pay for damage you cause to someone else’s property while operating your vehicle, up to the policy’s limits. Keep in mind that you may need more than Florida’s minimum amount of required coverage to ensure adequate financial protection for such damage.

Florida is a no-fault state, which means that drivers are responsible for covering their own accident-related medical expenses. As such, personal injury protection coverage may help reimburse your medical bills and lost wages after a covered accident, regardless of who is at fault. Your agent can help determine an appropriate amount of coverage based on your circumstances.

If you lease or finance a vehicle, your lienholder may also require full coverage auto insurance, including collision, comprehensive and uninsured/underinsured motorist coverage. These policies may help pay for the cost of replacing or repairing your vehicle after a covered accident or loss.

What Affects Florida Auto Insurance Rates?

Several factors influence auto insurance rates in Florida, including your age, driving record, location, vehicle value and credit score. Your agent can help you compare auto insurance quotes so you can get favorable rates and secure a policy tailored to your needs.

How to Get Car Insurance in Florida

Contact Monroe Insurance today to work with one of our experienced agents. We’ll help you obtain an auto insurance policy catered to you and your vehicle.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.