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GreatFlorida Insurance
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Personal Auto Insurance

Your car represents freedom, protection, and convenience. However, a single collision or unexpected event can lead to overwhelming repair bills, medical expenses, or even legal costs. With GreatFlorida, you can protect both your vehicle and your finances. We partner with top-rated insurers to offer comprehensive coverage so you can drive confidently every day.

Florida road with cars, representing the legal requirement for auto insurance.

All Florida Drivers Must Carry Auto Insurance By Law

Florida is known for its high rate of traffic accidents. To legally register a vehicle in the state, drivers are required to carry a minimum auto insurance policy at all times. Without proof of valid coverage, you risk fines, license suspension, and exposure to high out-of-pocket costs in the event of an accident. This legal requirement makes it essential to choose a policy that not only meets the minimum but also provides real protection.

What Does Florida Auto Insurance Cover?

Florida auto insurance policies are designed to protect you from a range of potential risks. While the legal minimum includes basic coverages, many drivers opt for additional options to secure extra peace of mind. Here’s a detailed look at what your policy can cover:

Icon representing bodily injury liability coverage.Bodily injury liability
Coverage:

Pays for injuries to others if you’re at fault in an accident, including emergency services, hospital bills, and claims related to disability or wrongful death.

Why It Matters:
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It protects you from the high costs associated with medical care and potential lawsuits.

Icon for uninsured and underinsured motorist coverage.Uninsured (and underinsured) motorist
Coverage:

Protects you if you’re involved in an accident with a driver who either doesn’t have insurance or has insufficient coverage.

Why It Matters:
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With a significant number of uninsured drivers in Florida, this coverage ensures you’re not left with exorbitant repair or medical bills.

Icon for medical payments and personal injury protection (PIP).Medical payments / no-fault / personal injury protection (pip)
Coverage:

Covers the medical expenses for you and your passengers after an accident, regardless of who is at fault.

Why It Matters:
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Florida law mandates PIP, ensuring prompt medical support when you need it most.

Icon for property damage liability insurance.Property damage liability
Coverage:

Pays for the cost of repairing or replacing another person’s property—such as vehicles, buildings, or road signs—that you may damage in an accident.

Why It Matters:
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It shields you from financial liability and legal expenses resulting from property damage.

Icon for comprehensive physical damage coverage.Comprehensive physical damage
Coverage:

Covers non-collision events like theft, vandalism, car fire, weather-related damage, or falling objects.

Why It Matters:
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It provides extra protection when your vehicle is affected by events beyond your control.

Icon for collision insurance coverage.Collision coverage
Coverage:

Pays for repairs or the replacement of your vehicle if it collides with another vehicle or object.

Why It Matters:
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Essential if you cannot afford to replace your car out of pocket after an accident.

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Towing Services:

Covers the cost of towing your vehicle after an accident or breakdown.

Rental Car Reimbursement:
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Helps pay for a rental car while your vehicle is being repaired, so you’re never stranded.

Driver with a challenging record getting auto insurance coverage.

Can I Still Get Coverage with a Record of Accidents, Speeding Tickets, or a DUI?

Absolutely. At GreatFlorida, we understand that life happens. Even if your driving record isn’t spotless, our experienced agents work with specialized carriers to find a policy that meets your needs. We’re committed to helping drivers in every situation secure the coverage they deserve.

New in Florida? Know Your Auto Insurance Laws

Welcome to the Sunshine State!
Florida’s auto insurance laws are unique, and it’s important to understand them as a new resident:

Image symbolizing Florida No-Fault auto insurance law.
Icon for No-Fault Law.

Florida No-Fault Law:

Requires all drivers to carry Personal Injury Protection (PIP), ensuring that medical expenses are covered regardless of fault.

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Florida Tag Requirement:

New residents have 30 days to register their vehicle with the state.

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Florida Insurance Requirement:

You must carry proof of insurance at all times while driving.

Image symbolizing Florida financial responsibility law for drivers.
Icon for Florida Financial Responsibility Law.

Florida Financial Responsibility Law:

Drivers with a history of serious accidents, repeated offenses, or DUIs may be required to carry full liability auto insurance.

Collision vs. Comprehensive: What’s the Difference?

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Collision Coverage:

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Protects your vehicle from damages resulting from an accident with another vehicle or object.

Comprehensive Coverage:

Icon representing car damage from non-collision events for comprehensive coverage.

Safeguards your vehicle against non-collision events such as theft, vandalism, fire, or weather-related incidents (including hurricane damage).

Understanding the difference helps you choose the right protection for your vehicle.

How Much is Car Insurance in Florida?

Florida’s average auto insurance rate is approximately $1,878 per year—about 31.6% higher than the U.S. average. Several factors influence your premium:

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Age

Younger drivers, especially teenagers, generally face higher rates due to inexperience. For example, 16‑year-olds can see annual premiums around $5,983, while drivers over 50 might average about $1,640 per year.

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Icon representing marital status as a factor in auto insurance rates.

MARITAL STATUS:

Married couples and widows often pay lower premiums compared to single or divorced drivers.

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DRIVING VIOLATIONS:

A history of speeding tickets, accidents, or DUIs can result in higher premiums.

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CREDIT SCORE:

Drivers with higher credit scores typically benefit from lower rates.

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GARAGING LOCATION:

Where your vehicle is primarily parked or “garaged” plays a major role in determining your rate. Areas with high traffic density, elevated accident rates, or higher crime may lead to increased premiums, while safer neighborhoods can result in significant savings.

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COVERAGE & DEDUCTIBLES:

Opting for higher coverage limits and lower deductibles increases protection but may raise your premium.

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YOUR AGENT:

A knowledgeable local agent can help you navigate these factors to secure the best possible rate.

Image showing minimum required auto insurance coverage in Florida.

What is the Minimum Required Auto Insurance Coverage in Florida?

To register a vehicle in Florida, drivers must carry at least:

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$10,000 in Personal Injury Protection (PIP)
Icon for Property Damage Liability (PDL) coverage.
$10,000 in Property Damage Liability (PDL)

While these are the legal minimums, we recommend considering higher limits to better safeguard your finances against rising healthcare and repair costs

Florida Car Insurance Frequently Asked Questions

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What is a Deductible for Car Insurance?

The deductible is the out-of-pocket amount you agree to pay when you file a claim before your insurance covers the rest. A higher deductible can lower your monthly premium.

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What are Florida Teen Driving Laws?

Florida’s graduated licensing system helps teens gain driving experience safely:

  • At 15: Eligible for a learner’s permit (with supervision and a required 50 hours of practice).
  • At 16: Can obtain a full license with restrictions (e.g., driving hours).
  • At 17: Certain curfew restrictions still apply until full privileges are granted at 18.

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Why Buy Auto Insurance from a Local Agent?

Local GreatFlorida agents know the Florida market inside and out. They work directly with top insurers to find competitive rates and personalized policies that fit your unique needs—providing support 24/7 without the frustration of faceless call centers.

Icon for questions to ask your car insurance agent FAQ.

What Questions Should I Ask My Car Insurance Agent?

Consider asking:

  • What discounts am I eligible for (student, good driver, multi-policy, etc.)?
  • What is the realistic cost to cover an accident based on my current finances?
  • Does the insurance company have a strong reputation for service?
  • Who do I contact to file a claim, and what is the process?

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Build Your Own Customized Florida Auto Insurance Policy

Your life is unique—your insurance should be too. Work with us to create a bespoke policy that fits your lifestyle, budget, and coverage needs. Our agents compare policies and rates from top insurers, ensuring you get comprehensive protection at an affordable price.

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About GreatFlorida Insurance

GreatFlorida Insurance is a network of independent, franchised insurance agents located throughout Florida. With 142 locations state-wide, it is easy to find a GreatFlorida Agency in your neighborhood.

We provide 24-hour service, 7 days a week, 365 days a year, through our partnered insurance companies.

Our Independent, GreatFlorida Insurance Agents will help you find affordable Insurance in Florida for you and your family.

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