The Different Types of FL Auto Insurance January 28, 2021

Just like in about every other state, you can’t legally get behind the wheel of your car unless you have the necessary auto insurance. Otherwise, people could cause damage to other cars or even the drivers themselves and have no way of making things right. However, don’t make the mistake of thinking all FL auto insurance is the same. There are a number of different categories and unless you know which you need, you’ll be in for a rude awakening if anything happens.

Not Having Full Coverage

The majority of people in FL know they need auto insurance. Sadly, most of them don’t know the difference between having the minimal amount of FL auto insurance necessary and being “fully covered.” So when they get in an accident, they erroneously believe their insurance will pay them in full. It’s only then that, unfortunately, they realize how little they were actually covered for.

Don’t make this mistake. Below are some of the most popular and important types of coverage you need. Visit if you would like to speak to an agent and get a quote.


Obviously, when you think of FL auto insurance, you probably think of protecting your vehicle from collisions. That’s exactly what collision insurance will do. It can’t actually protect your car from another vehicle or a falling tree branch, but it will provide you financial help to fix the problem.

Generally speaking, there are two different types of collision insurance though. One covers your vehicle should the aforementioned damage occur. The other covers your vehicle if it gets completely destroyed and you need a new one. Know the difference or prepare for a big disappointment.

Property Damage

You also need FL auto insurance to cover the other person’s car if you get into an accident. Plus, it’s possible you could accidentally strike a storefront, home, or other forms of property with your car too. In any of these scenarios, you’re responsible for helping to cover this damage.

In FL, all you need is a $10,000 policy to legally drive your car. Unfortunately, this has proven to be woefully inadequate in real-life examples. So, if your finances allow, consider adding to that amount.

Comprehensive Coverage

With so many things that can go wrong, you really need to drill down to just about every scenario in order to ensure you’ll have the help you need for each one. That’s why there’s comprehensive coverage. You could be driving along and run into a wild animal making a run across the street. The above forms of FL auto insurance from wouldn’t cover you there. In fact, even something like a branch falling on your windshield often won’t get covered by collision insurance. This is why so many people opt for comprehensive coverage that really covers all their bases.

Personal Injury Protection

As with property damage insurance, you need at least $10,000 worth of personal injury protection to drive a vehicle in FL. The state is also one of only 12 that has a no-fault policy. This means the insurance policy holder’s coverage will apply no matter who’s at fault.

Additional Coverage

There are a number of other potential events you can get insurance for. One of these is if you ever get a rental car, for example. That’s just one of many though. So review any additional options providers may have to make sure you don’t need them. While you don’t want to pay for unnecessary coverage, you also don’t want to be without coverage you truly need.

Everyone must have FL auto insurance to operate their car legally according to However, that doesn’t mean everyone needs the exact same kind. So shop around to find the type best suited for your needs and budget.

Categories Auto Insurance