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florida car insurance

Though Florida may be known for its sunny weather, its unique insurance laws can make things a little hazy for drivers in the Sunshine State. We'll help clarify your Florida coverage requirements, explain how PIP covers you, and of course, talk about all the car insurance discounts that can save you some major dough.

Get a Florida car insurance quote and gain instant access to our interactive online tools that make the car insurance process easier to understand. We like to make sure your policy is always at your fingertips, which is why we offer flexible online policy management, an award-winning website, and 24/7 customer service.

Florida car insurance discounts from Esurance

Good news, residents of the Sunshine State: we offer a bunch of auto insurance discounts in Florida to make your day even brighter (and your premium even lower). Here are some of our major money-savers:

  • Claim-Free discount
  • Anti-Lock Brakes discount
  • Anti-Theft discount
  • Fast 5® discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Defensive Driver discount
  • Good Student discount
  • Safety Device discount
  • DriveSense™ 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).

Required auto insurance coverages in Florida

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 cover

If you're injured in a covered accident, PIP can pay up to 80 percent of your injury costs, and up to 60 percent of lost wages if you can't work due to injuries caused by the accident. If you're unable to perform regular household tasks, PIP can also help pay for substitute services 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, but only up to the limits you choose on your policy.

Optional car insurance coverages

These optional coverages will give you extra peace of mind and added financial protection in the event of a claim:

  • Bodily injury liability coverage
  • Comprehensive coverage
  • Collision coverage
  • Towing and labor coverage
  • CarMatch Rental Coverage®
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Medical payments coverage
  • Uninsured/underinsured motorist bodily injury coverage
  • Uninsured/underinsured motorists property damage coverage

Some exclusions will apply. If you're already an Esurance customer, and have questions about your coverages or need help managing your policy, call us any time at 1-800-ESURANCE (1-800-378-7262) to get answers.

Uninsured drivers in Florida

In a 2011 report, the Insurance Research Council estimated that a whopping 24 percent of Florida drivers were uninsured.

Uninsured motorist coverage is an optional policy addition that helps pay injury and property damage costs for you and your passengers if you're ever involved in an accident with an uninsured or underinsured motorist.

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.

How car insurance rates in Florida are determined

Here's a sampling of some factors that come into play when insurance companies determine your car insurance premium:

  • Driving record, claims history, and prior insurance history
  • Coverage selections, limits, and deductibles
  • The year, make, and model of your car
  • Age, gender, marital status, and number of years licensed
  • Insurance score based on credit and other factors
  • ZIP Code where your vehicle is parked or garaged

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