AUTO INSURANCE IN FLORIDA
Coverage That Moves With You.Â
At Arrington Insurance, we help Florida drivers understand their options, compare coverage, and protect what matters most on the road. Whether you're commuting, exploring, or heading to the beach, we'll help you find the right auto insurance for your lifestyle and budget.Â
Protection Beyond the Basics.
Helps cover costs if you're at fault in an accident that causes injury to others or damage to their property. Liability coverage is required in Florida.Â
Liability Coverage
A standard auto insurance policy can help protect you financially after an accident, but there are different types of coverage to consider. Here are three key coverages many Florida drivers choose.
UNDERSTANDING AUTO COVERAGE
Helps pay for damage to your vehicle after a collision with another vehicle or object, regardless of who is at fault. This can help you get back on the road sooner.
Collision Coverage
Comprehensive Coverage
Helps cover damage to your vehicle from non-collision events such as theft, vandalism, fire, falling objects, and certain weather-related events common in Florida.Â
FLORIDA AUTO INSURANCE
Florida Auto Insurance Comes With Unqiue Considerations.
Florida auto insurance includes state-specific requirements and coverage decisions that can impact your protection and premium. Our team helps you understand these requirements and find the right coverage for your driving needs, whether you're a year-round resident or a seasonal driver.Â
Personal Injury Protection (PIP)
Florida requires PIP coverage, which helps pay for medical expenses for you and your passengers after an accident, regardless of who is at fault.Â
Property Damage Liability
Helps cover damage you may cause to someone else's property, such as their vehicle, a fence, or other assets. This coverage is also required in Florida.Â
Uninsured Motorist Coverage
Helps protect you if you're in an accident with a driver who doesn't have insurance. It can cover your medical expenses and, in some cases, property damage.
Teen Drivers & Household Drivers
Adding a teen driver or other household members can affect your premium. We can help you explore coverage options and discounts to keep your whole family protected.Â
Auto Insurance FAQs
COMMON QUESTIONS
For most privately owned vehicles with four or more wheels, Florida generally requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily Injury Liability is not universally required, although additional requirements apply in certain circumstances. These minimum limits may leaves you exposed to significant out-of-pocket costs.Â
"Full coverage" isn't a specific insurance policy or standardized coverage package. It's commonly used to describe a policy with liability, comprehensive, and collision coverage. However, it doesn't automatically include protections such as insured motorist coverage, rental reimbursement, or roadside assistance. It's important to review your actual policy limits and coverages.Â
Uninsured/Underinsured Motorist (UM) coverage is generally optional, but it's worth considering. It may help compensate you for covered injuries caused by an at-fault driver who has no bodily injury liability insurance or insufficient limits. Coverage depends on the terms, limits, and type of UM coverage selected.Â
Adding a newly licensed teen driver will often increase your premium because insurers consider inexperienced drivers a higher risk. The cost depends on the driver, vehicles, carrier, and available discounts. Good student discounts, driver training, and vehicle selection may help manage the expense.Â
Collision coverage generally helps pay for damage to your vehicle after a collision with another vehicle or object, subject to your deductible and policy terms. Comprehensive coverage generally addresses non-collision losses such as theft, fire, vandalism, hail, flooding, or falling objects. Both are commonly optional, although a lender or leasing company may require them.Â
