florida car insurance

Though Florida may be known for sunny weather, its no-fault car insurance laws can make things a little hazy for drivers. We'll help clarify your Florida coverage requirements and explain a little about Esurance in Florida.

Florida car insurance

Florida state insurance requirements

Florida drivers are required to have these coverages and minimum limits:

$10,000/$20,000 bodily injury protection per person/per incident
$10,000 property damage liability coverage
$10,000 personal injury protection (PIP) per person

How fault works after an accident

Florida is a no-fault state, which limits your right to sue an at-fault driver after an accident. No-fault coverage (sometimes referred to as personal injury protection) applies to medical expenses after an accident (and not to damaged property).

What PIP can pay for

If you're injured in a car accident, PIP can help pay up to 80 percent of medically necessary expenses and up to 60 percent of work loss up to the limit you select. If you're unable to perform regular household tasks, PIP can also help pay for things like cooking and cleaning.

When drivers can sue for medical expenses

In spite of the no-fault moniker, drivers can still sue an at-fault driver for medical expenses after serious accidents in Florida. Lawsuits can be filed if the accident resulted in permanent or fatal injuries or disfigurement. Bodily injury liability coverage can financially protect at-fault drivers if a lawsuit is filed.

Uninsured drivers in Florida

In a 2011 report, the Insurance Research Council estimated that a whopping 24 percent of Florida drivers were uninsured. That was the 5th-highest percentage in the U.S.

Uninsured motorist coverage is an optional policy addition that offers financial protection from the uninsured.

How car insurance rates are determined in Florida

These factors may play a part in what you pay for your car insurance policy:

Driving record
Coverage selections, limits, and deductibles
The make and model of your car
Age and gender
Credit-based insurance score
Your ZIP Code

Esurance in Florida

We brought our car insurance to the Sunshine State in 2002.

Esurance discounts offered in Florida

Here are some of the discounts that Florida drivers could qualify for when they buy an Esurance policy:

Claim-Free discount
Anti-Lock Brakes discount
Anti-Theft discount
Fast 5® discount (for starting a quote online)
Homeowners discount
Multi-Car discount
Paid in Full discount
Switch & Save® discount
Defensive Driver discount
Good Student discount
Safety Device discount

Already have an Esurance policy? Call us at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts (some exclusions may apply).

Optional car insurance coverages in Florida

Bodily injury liability coverage
Comprehensive coverage
Collision coverage
Towing and labor coverage
Rental car coverage
Customized parts and equipment coverage
Loan/lease gap coverage
Medical payments coverage
Uninsured/underinsured motorist bodily injury coverage

Esurance-approved repair shops in Florida

Esurance customers can take their cars to body shops in our E-star^® network for guaranteed repairs (for as long as they own their cars). Esurance-affiliated shops also feature RepairView™, which lets you monitor your repairs online.

Find a body shop near you.

Esurance Car Insurance

florida car insurance