The Latest on Car Insurance in Florida 2025
If you live in Florida, you almost certainly need a car. Since the pandemic's effect on supply of new cars and the ongoing impact of inflation, getting a car and ensuring it hasn't been a walk in the park. But don't worry - we're here to help!
As your friendly neighborhood insurance agent (and the largest in Florida!), we want to make sure you have all the information you need about car insurance in the Sunshine State. Let's break it down in a way that's easy to understand and answers all your burning questions.
Car Insurance Requirements in Florida
First things first - what do you actually need to drive legally in Florida? The state requires two main types of coverage:
Personal Injury Protection (PIP)
Property Damage Liability (PDL)
PIP covers your medical expenses and lost wages if you're injured in an accident, no matter who's at fault. PDL takes care of any damage you might cause to someone else's property.
Beyond the Basics: Additional Coverage Options
While the state minimums are a good start, many Floridians choose to add extra protection. Here are some popular options:
Bodily Injury Liability
Collision Coverage
Comprehensive Coverage
Uninsured/Underinsured Motorist Coverage
These additional coverages can provide peace of mind and financial protection in a wider range of scenarios.
Finding the Right Insurance for You
Now, how do you choose the best insurance for your needs? Here are some tips:
Consider Your Needs: Think about your car's value and your personal financial situation.
Check for Discounts: We offer various discounts for safe driving, multiple vehicles, and bundling policies.
Prioritize Customer Service: When you need help, you want to talk to a real person who knows their stuff.
The Florida Insurance Landscape in 2025
It's worth noting that insurance rates in Florida have been on the rise. The average cost of auto insurance in Florida has increased between January 2023 and January 2024. Factors like climate risks, accident repair costs, and medical expenses all play a role in these increases.
However, don't let this discourage you! There are still ways to find affordable coverage that meets your needs. That's where we come in - we've been serving Florida customers since 1986, and we're ready to have a real conversation about how to best protect you and your car.
Remember, good insurance isn't just about meeting legal requirements - it's about giving you peace of mind every time you hit the road. Whether you're cruising down I-4 or navigating busy city streets, we want you to feel confident and protected.
Have more questions about car insurance in Florida? We're here to help! Give us a call at 239-561-1100 or stop by our office. Let's make sure you're covered, Florida style!
