Florida Insurance
Florida is a "No-Fault" state with some of the highest premiums in the US due to weather risks, litigation, and fraud.
The No-Fault System
Florida requires all drivers to carry Personal Injury Protection (PIP). This pays for your own medical bills after an accident, regardless of who caused it.
Mandatory Coverage
*Bodily Injury Liability is strictly optional (but essential).
The "14-Day Rule"
To use your PIP coverage, you must seek medical treatment within 14 days of the accident. If you wait 15 days, your insurance company can legally deny your medical claims by Florida statute.
Why are Rates Skyrocketing?
Florida currently has the highest auto insurance inflation in the country.
- Uninsured Drivers: ~25% of Florida drivers have no insurance.
- Litigation: Florida accounts for a vast majority of the nation's insurance lawsuits.
- Weather: Hurricanes destroy thousands of cars yearly.
Rates by City
Miami is notoriously expensive due to traffic density and fraud rates.
Find Cheaper Florida Rates
State Farm and Geico tend to be the most stable in Florida.
Compare FL Rates