Florida Auto Insurance Explained: 5 Coverages Every Driver Should Know
Driving in Florida is part of daily life — but protecting yourself on the road means understanding what your Florida auto insurance actually covers. Whether you’re cruising the Treasure Coast or commuting through town, here are five key coverages every Florida driver should have.
Personal Injury Protection (PIP)
Florida is a no-fault state, meaning your own insurance helps pay for medical expenses after an accident-no matter who caused it. Every Florida driver must carry Personal Injury Protection (PIP), which covers up to $10,000 in medical and lost wage costs for you and your passengers.
Bodily Injury Liability (BIL)
While not required by Florida law, Bodily Injury Liability is one of the most important protections you can have. It helps pay for injuries you cause to others in an accident—and protects your personal assets if you’re sued. Many Florida drivers add this coverage for extra peace of mind.
Uninsured/Underinsured Motorist Coverage
Nearly 1 in 5 Florida drivers are uninsured. This coverage protects you if you’re hit by someone who doesn’t have insurance—or not enough of it. It can cover medical expenses, lost wages, and even pain and suffering.
Comprehensive & Collision Coverage
Collision coverage helps repair or replace your car if it’s damaged in an accident. Comprehensive coverage is for incidents other than a crash (like theft, flooding, or a hurricane). Given Florida’s weather risks, comprehensive coverage is especially valuable for storm protection.
Save on Florida Auto Insurance
You can reduce your premium without sacrificing protection by:
Maintaining a clean driving record
Installing anti-theft devices
Choosing a higher deductible
Asking about Safe Driver and Low Mileage discounts
Ready to review your auto insurance? Let Safeguard Insurance help you find the right coverage for your budget and peace of mind. Contact today for a free, no-obligation quote.