Known as the Sunshine State, Florida is the perfect place for riding around with the top down. But whether you have a convertible — or not — it's important to have the right car insurance in place. Car insurance is, of course, essential in every state, but perhaps more so in Florida, which has an extremely high rate of uninsured drivers — almost double the national average. Additionally, it's a no-fault state, which means that your post-accident medical expenses could be covered by your own insurer regardless of who caused the crash. (No-fault coverage, sometimes referred to as personal injury protection, applies to medical expenses after an accident.)
For these reasons, you may need additional auto insurance coverage to protect you and your vehicle — but fret not! Esurance can help you find a customized auto insurance policy that meets Florida car insurance requirements while providing you with additional options that help keep you financially protected on all fronts.
Have a teen driver at home? Florida laws require teen drivers to obtain a license in phases, based on a Graduated Licensing Program (GDL). Teen drivers must also abide by a curfew and special restrictions on passengers during certain times. Navigating the world of car insurance for drivers with a learning permit and learning how to buy insurance for teenagers is a tricky but important task — after all, they're the most precious of cargo. Luckily, Esurance can help you find a plan that provides the best coverage for your young driver.
So whether you need auto insurance in Orlando, Miami, Jacksonville, or somewhere in between, Esurance can help you get the right coverage at a price you can afford. With easy online policy management and 24/7 claims service, you can count on Esurance every step of the way.
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
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:
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.
Whether you live in Miami, Orlando, Jacksonville, or beyond — all Florida drivers are required to have at least these coverages and limits:
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.
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).
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.
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.
These optional coverages will give you extra peace of mind and added financial protection in the event of a claim:
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).
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 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.
Here's a sampling of some factors that could come into play when insurance companies determine your car insurance premium:
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.
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