PIP (no-fault)
Required in Florida: $10,000 of personal injury protection pays 80% of your medical bills and 60% of lost wages after a crash, regardless of who caused it.
Auto insurance in Tampa Bay
Florida's minimum coverage is thinner than most drivers realize, and Tampa Bay traffic — I-275, the Howard Frankland, US-19 — is unforgiving. We help you carry the coverage you'd actually want after a crash, not just what the state requires.
Request a free quote Read the blogWhat goes into a Florida auto policy
Property damage liability
Also required: pays for damage you cause to someone else's property, like their car.
Bodily injury liability
Not part of Florida's minimum, but it's the coverage that protects your assets if you seriously injure someone. Skipping it is the biggest gamble most drivers take.
Collision & comprehensive
Collision covers crash damage to your own car. Comprehensive covers theft, storms, falling objects — and in Florida, your windshield at a $0 deductible by law.
Uninsured motorist
Pays when the driver who hits you has little or no insurance — a common situation on Florida roads.
Two Florida rules worth knowing
The 14-day rule. After a crash, you must get initial medical treatment within 14 days or your PIP benefits can be denied entirely — and full PIP benefits require an emergency medical condition, otherwise they're capped at $2,500. Our no-fault and PIP explainer covers the details.
Your windshield deductible is $0. Under Florida Statute §627.7288, if you carry comprehensive coverage, no deductible applies to windshield damage — and a shop offering to "waive" your deductible or give you a gift card for a claim is breaking the 2023 reforms. Read the windshield law, pros and cons before you sign anything at a glass shop.
Common questions
What is the minimum auto insurance in Florida?
Florida requires $10,000 PIP and $10,000 property damage liability. That's all — no bodily injury liability is required, which is exactly why carrying your own is so important.
Does a windshield claim raise my rates?
A windshield claim is a comprehensive claim, not a collision one. What matters more is the law: your deductible is $0 by statute, and shops can't legally offer you incentives to file.
Can I bundle auto with my homeowners policy?
Usually, yes — bundling home and auto with one carrier often earns a discount on both and makes claims simpler. We'll price it both ways.
Keep reading
Florida's no-fault law and PIP, explained · Florida's windshield law: pros and cons
Related coverage
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