5 Essential Things to Know About Auto Insurance Coverage in Florida
Florida drivers face unique challenges on the road, from heavy traffic to unpredictable weather. If you’re wondering, “How much auto insurance coverage do I need in Florida?” you’re not alone. With so many policy options, it’s important to know what’s legally required—and what additional coverage makes sense to protect yourself, your family, and your vehicle.
At Avalon Insurance Group, Inc., serving Cape Coral, Fort Myers, and North Port, we’ve helped Florida drivers choose the right coverage for over 20 years. Here’s what you need to know.
1. Florida’s Minimum Auto Insurance Requirements
By law, Florida drivers must carry:
- $10,000 Personal Injury Protection (PIP) – covers medical expenses after an accident, regardless of who is at fault.
- $10,000 Property Damage Liability (PDL) – pays for damage to another person’s property (e.g., vehicle or fence).
While this is the minimum required by the state, it’s often not enough to cover the high costs of serious accidents.
2. Why the Minimum May Not Be Enough
The average cost of a car accident in the U.S. can easily exceed $20,000 in medical bills and $10,000+ in vehicle damage. Relying on minimum coverage could leave you paying out of pocket for major expenses.
At Avalon Insurance Group, we help clients review their lifestyle, driving habits, and budget to recommend smarter protection.
3. Recommended Coverage for Florida Drivers
To stay fully protected, consider adding:
- Bodily Injury Liability (BIL): Covers injuries to others if you’re at fault. ($100,000 per person / $300,000 per accident is common.)
- Uninsured/Underinsured Motorist Coverage (UM): Protects you if you’re hit by someone without enough insurance.
- Comprehensive & Collision Coverage: Pays for damage to your vehicle from accidents, theft, storms, or floods.
- Medical Payments (MedPay): Extra medical protection for you and your passengers.
4. Florida’s No-Fault System Explained
Florida is a no-fault insurance state, meaning your own insurance pays for your injuries regardless of who caused the accident. But in severe cases, victims can still sue for damages. That’s why many drivers choose to carry higher liability coverage for peace of mind.
For more details, visit the Florida Highway Safety and Motor Vehicles (FLHSMV) website, which explains the state’s insurance requirements.
5. How Avalon Insurance Group Helps You Save
As an independent insurance agency, Avalon partners with multiple top-rated carriers. This means we compare rates and coverage options to find you the best protection at the best price. Whether you need basic liability or full coverage for a new vehicle, our team ensures your policy matches your needs.
Why Choose Avalon Insurance Group?
With offices in Cape Coral, Fort Myers, and North Port, we’re proud to be Southwest Florida’s trusted insurance agency since 2004. Our 5-star reviews speak to our commitment to excellent service and our promise of ThumbsUpService.