We offer auto insurance to everyone in Florida including Port Saint Lucie, Fort Pierce, Stuart, Jensen Beach, Vero Beach, Miami, West Palm Beach, Fort Lauderdale, The Florida Keys, Tampa, Melbourne, Orlando, Fort Myers, Punta Gorda, Cape Coral, Boca Raton, Clearwater, Daytona Beach, Panama City, Pensacola, Palm Bay, Marco Island, Sarasota, Jupiter, Tallahassee, Jacksonville, and many others.

 

 

🚗 Florida Auto Insurance Coverage & Requirements

 

 

 

Auto Insurance Requirements in 

Florida

 

 

If you own a vehicle in Florida, state law requires you to carry minimum auto insurance coverage. Having the right coverage protects you financially and keeps you legally on the road.

 

At Buddy Insures You, we help drivers find affordable auto insurance that meets Florida requirements and provides the protection they need.

 

 

 

 

📋 Minimum Florida Auto Insurance Requirements

 

 

Florida requires drivers to carry at least:

 

 

🚗 Personal Injury Protection (PIP)

 

 

Minimum Required:

 

$10,000 PIP Coverage

 

PIP helps pay for:

 

✅ Medical expenses

✅ Lost wages

✅ Essential services after an accident

 

PIP pays regardless of who caused the accident.

 

 

 

 

🚗 Property Damage Liability (PDL)

 

 

Minimum Required:

 

$10,000 Property Damage Liability

 

PDL helps pay for:

 

✅ Damage to another person’s vehicle

✅ Damage to buildings

✅ Damage to fences or property

 

 

 

 

⚠️ Important Coverage Not Required But Recommended

 

 

Florida minimum coverage may not be enough after a serious accident. Many drivers choose additional protection.

 

 

 

 

🚗 Bodily Injury Liability

 

 

Helps pay if you injure someone in an accident.

 

May cover:

 

✅ Medical bills

✅ Legal expenses

✅ Lawsuits

 

Many experts recommend this coverage even though it is not required for most drivers in Florida.

 

 

 

 

🚗 Uninsured Motorist Coverage

 

 

Helps protect you if the other driver has no insurance.

 

Covers:

 

✅ Medical expenses

✅ Injuries

✅ Lost wages

 

Florida has many uninsured drivers, making this coverage important.

 

 

 

 

🚗 Collision Coverage

 

 

Helps pay to repair your vehicle after an accident.

 

Covers:

 

✅ Accidents with other vehicles

✅ Accidents with objects

✅ Single-car accidents

 

Often required by lenders if you have a car loan.

 

 

 

 

🚗 Comprehensive Coverage

 

 

Helps cover damage not caused by collisions.

 

Covers:

 

✅ Theft

✅ Fire

✅ Storm damage

✅ Vandalism

✅ Falling objects

 

 

 

 

🛡️ Full Coverage Auto Insurance

 

 

Many drivers choose full coverage auto insurance, which usually includes:

 

✔ Liability coverage

✔ PIP coverage

✔ Collision coverage

✔ Comprehensive coverage

 

Full coverage provides broader protection than state minimum coverage.

 

 

 

 

⭐ Why Choose Buddy Insures You

 

 

When you work with Buddy Insures You, you get:

 

✔ Fast quotes

✔ Competitive rates

✔ Local service

✔ Personal attention

✔ Multiple insurance companies

 

We help you find the right coverage at the right price.

 

 

 

 

📞 Get a Free Auto Insurance Quote

 

 

Find affordable auto insurance that meets Florida requirements.

 

Call or Text:

772-979-4134

 

Email:

buddy.carter@buddyinsuresyou.com

 

Contact us today for a free quote.