Car Insurance — Florida
Florida Auto Insurance
Looking for car insurance in Florida? Signature Insurance is an independent agency licensed in Florida. We shop Progressive, Travelers, Nationwide, and Citizens Property and dozens more to find you the right blend of price and coverage.
Get a FL Car Insurance QuoteFlorida Auto Insurance — What's Covered
- liability (bodily injury + property damage)
- collision
- comprehensive
- uninsured/underinsured motorist
- medical payments / PIP
- rental reimbursement
- roadside assistance
Florida Auto Insurance Requirements
Florida doesn't require bodily injury liability for most drivers. You must carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability.
Florida is a no-fault state. Your own personal injury protection (PIP) pays your medical bills after a crash no matter who caused it, and you can sue the other driver only for more serious injuries.
State minimums are a legal floor, not a recommendation. One serious accident can cost far more than these limits, so most drivers are better protected with higher liability limits and uninsured motorist coverage.
Requirements as of 2026. Rules change, so confirm current requirements with your agent.
Top Carriers We Shop in Florida
We have direct appointments with Progressive, Travelers, Nationwide, and Citizens Property plus dozens of regional and specialty markets.
Auto Insurance in Florida FAQ
What are the minimum car insurance requirements in Florida?
Florida doesn't require bodily injury liability for most drivers. You must carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Florida is a no-fault state.
How much auto insurance do I need?
At minimum, the liability limits your state requires — but most agents recommend 100/300/100 ($100k bodily injury per person, $300k per accident, $100k property damage) plus uninsured-motorist coverage. If you have meaningful assets to protect, layer an umbrella policy on top.
What discounts can I qualify for?
Common ones we shop for: multi-policy (auto + home), multi-vehicle, paid-in-full, paperless, good driver, defensive driving course, low mileage, telematics, good student, military/affiliation, and homeowner discount (even if your home is insured elsewhere).
Does Signature Insurance write car insurance in Florida?
Yes. Signature is a licensed insurance agency in Florida with direct appointments with Progressive, Travelers, Nationwide, and Citizens Property. You can quote online in 5–10 minutes or call 859-407-4888.
More Florida coverage:
Get Florida Car Insurance Quotes
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9–5 EST.