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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 could 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 — and just plain smarter. We like to make sure your policy is always at your fingertips, which is why we offer flexible online policy management, a hassle-free website, and 24/7 claims service.

what our customers say


I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

— Paul, Florida


Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

— Maudryanna, North Carolina


The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

florida auto 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
  • Antilock Brakes discount
  • Anti-Theft discount
  • Fast 5® discount
  • Homeowners discount
  • Multi-Policy discount*
  • Paid-in-Full discount
  • Switch & Save® discount
  • Defensive Driver discount
  • Safety Device discount
  • Good Student discount
  • Multi-Car discount
  • Emergency Road Service 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

Whether you live in Miami, Orlando, Jacksonville, or beyond — all Florida drivers are required to have at least these coverages and limits:

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

Technically, Florida policyholders can reject bodily injury liability coverage in writing to their insurance company — though it's not exactly recommended. This coverage can help pay for the other driver's accident-related medical expenses when you're found at fault in an incident.

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, personal injury protection 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:

  • Comprehensive
  • Collision
  • Towing and labor
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")
  • Medical and funeral services payments
  • Uninsured/underinsured motorist bodily injury

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 at 1-800-ESURANCE (1-800-378-7262).

proof of auto insurance in florida

Electronic proof of insurance

Just another way technology makes our lives easier — Sunshine State drivers can provide digital auto insurance ID cards as legitimate proof of coverage under state law. What's more, Esurance customers can manage their policies and access their ID cards any time on our convenient mobile app.

Uninsured drivers in florida

The Insurance Research Council estimated that a whopping 23.8 percent of Florida drivers were uninsured in 2012. That was almost double the national average of 12.6 percent.

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 can be determined

Here's a sampling of some factors that could 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
  • ZIP Code where your vehicle is parked or garaged

Another factor we here at Esurance take into account? Whether your car insurance coverage options fit your lifestyle. So take advantage of the super-smart technology behind CoverageMyWay®, only from Esurance, which can help you tailor your auto policy so you're not left paying for any extras you feel are unnecessary. You can see it in action when you get a free quote online in minutes.

Related links

Car insurance in Miami
Take a peek at what makes Miami a unique city to drive in.

Orlando auto insurance
Learn more about car insurance in the "theme park capital of the world."

Car insurance for Jacksonvillians
Check out coverages, discounts, and driving stats in Jax.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.