Auto Insurance in Florida
Green Insurance is a licensed independent agency writing auto insurance in Florida. Florida’s insurance rules are unlike most states, and the difference can cost you badly if nobody explains it.
What Florida requires
Why that matters more than it sounds
Florida is a no-fault state
Your PIP pays your own medical bills regardless of who caused the crash — it covers 80% of necessary and reasonable medical expenses up to $10,000.
$10,000 does not go far
One ambulance ride, an emergency room visit and an MRI can exhaust it before treatment even starts.
Here is the gap. If you seriously injure someone and you carry only the state minimum, you have no coverage for their injuries. They can sue you personally. Your house, your savings and your wages are what is left to pay with.
Coverage worth considering in Florida
Bodily injury liability
Optional by law. Get it anyway.
Uninsured and underinsured motorist
Florida has one of the highest uninsured-driver rates in the country. When the other driver has nothing, this is what pays you.
Comprehensive
Hurricanes, flooding and hail. Flood damage to a vehicle is covered under comprehensive auto — not under a home flood policy. If you are in a coastal or low-lying county, this is the one to keep.
Rental reimbursement
Body shops in Florida run long backlogs after a storm.
What affects your Florida rate
County and ZIP
Miami-Dade, Broward and Tampa rate much higher than rural counties.
Driving record
Tickets and at-fault accidents.
Credit-based insurance score
Florida allows its use in rating.
Vehicle
Year, make, model, repair and theft rates.
Age and experience
Heavily weighted.
Coverage and deductible
Higher deductible, lower premium.
Florida premiums run high statewide. Litigation volume and storm losses both feed into it. That is exactly why comparing carriers matters here — the spread between the cheapest and most expensive quote for the same driver can be wide.
Driving without insurance in Florida
Florida suspends your license and registration for a coverage lapse, and reinstatement requires a fee plus proof of coverage. A lapse also raises your rate for years.
No Social Security number
Several of the carriers we represent will write a Florida policy with an ITIN or a foreign license. Ask us which ones apply to your situation.
Se habla español
Todo el proceso en español, con un agente que lo habla de nacimiento.
Ver esta página en español →Cotiza tu aseguranza de carro →Source: Florida Department of Highway Safety and Motor Vehicles, checked September 23, 2026.
General information, not legal advice. State requirements can change; confirm current rules with the state. Coverage, limits and availability vary by carrier.
Get a Florida quote
Your ZIP code, license or ITIN, vehicle year/make/model, and other drivers. A licensed agent comes back with real numbers from several carriers. Call 1 (833) 224-5168 or request a quote online.
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