Coverage types
Florida auto insurance, every kind of coverage
Whatever your situation, we have a carrier and a policy for it. Pick a coverage type to learn more, or get a free quote in minutes.
Core coverage
Full Coverage Car Insurance
Full coverage combines Florida’s required coverages with comprehensive and collision, so your own vehicle is protected whether you cause an accident, get hit by an uninsured driver, or your car is stolen, flooded, or damaged by a storm.
Learn moreLiability Only Car Insurance
Liability-only coverage pays for the other driver’s injuries and property damage when you’re at fault.
Learn moreMinimum Coverage Car Insurance
Florida’s minimum coverage meets the exact limits the state requires to register and drive a car legally — the most affordable way to get a valid policy and proof of insurance.
Learn morePIP Insurance
Personal Injury Protection (PIP) is the heart of Florida’s no-fault system.
Learn moreBodily Injury Liability Insurance
Bodily Injury Liability (BI) pays for injuries you cause to other people in an at-fault crash — and shields your savings, home, and wages from a lawsuit.
Learn moreUninsured Motorist Coverage
Uninsured/Underinsured Motorist (UM/UIM) coverage protects you when the at-fault driver has no insurance or too little — a real risk in a state with one of the highest uninsured-driver rates in the country.
Learn moreComprehensive Car Insurance
Comprehensive coverage pays for damage to your car from events other than a collision — theft, vandalism, fire, falling objects, floods, and Florida’s frequent storms.
Learn moreCollision Insurance
Collision coverage repairs or replaces your car after a crash — whether you hit another vehicle, an object, or you’re in an at-fault accident.
Learn moreSituations & filings
SR-22 Insurance
An SR-22 is not insurance — it’s a certificate your insurer files with the Florida DHSMV to prove you carry the required coverage, usually after a license suspension or certain violations.
Learn moreFR-44 Insurance
An FR-44 is Florida’s high-limit certificate required after a DUI conviction.
Learn moreHigh-Risk Auto Insurance
High-risk (non-standard) auto insurance is built for drivers standard carriers turn away — after tickets, accidents, a DUI, a lapse, or with a new license.
Learn moreCar Insurance After a DUI
After a Florida DUI you’ll likely need an FR-44 and high liability limits to reinstate your license.
Learn moreCar Insurance After a Lapse
A lapse in coverage can spike your rates and even suspend your registration in Florida.
Learn moreCar Insurance with Bad Credit
In Florida, credit can affect your premium.
Learn moreDriver types
Car Insurance for New Drivers
New and first-time drivers face the highest rates — we find the carriers and discounts (good student, driver training, telematics) that bring them down.
Learn moreCar Insurance for Teen Drivers
Insuring a teen driver is one of the biggest jumps a family’s premium will ever see.
Learn moreCar Insurance for Seniors
Florida’s large retiree population means lots of experienced drivers — and plenty of senior discounts and low-mileage programs that we make sure you actually get.
Learn moreCar Insurance with a Foreign License
New to the U.
Learn moreCar Insurance for New Residents
Just moved to Florida? You have 10 days to get a Florida policy once you establish residency.
Learn morePolicies & products
Non-Owner Car Insurance
Non-owner car insurance gives you liability coverage when you drive cars you don’t own — and it’s often the key to filing an SR-22 or FR-44 without a vehicle.
Learn moreRideshare Insurance
Driving for Uber or Lyft creates a coverage gap your personal policy won’t fill.
Learn moreCar Insurance for Financed or Leased Cars
Lenders and leasing companies require full coverage and often gap insurance.
Learn moreMulti-Car Insurance
Insuring two or more vehicles on one policy unlocks multi-car discounts and simplifies billing — one renewal, one payment, lower per-car cost.
Learn moreHome and Auto Insurance Bundle
Bundling your home (or condo/renters) with auto earns one of the largest discounts available — and gives you one agency to call for everything.
Learn moreLow Down Payment Car Insurance
Get covered today without a large upfront cost.
Learn moreSame-Day Car Insurance
Need proof of insurance today? We can bind coverage and send your proof of insurance the same day — often within minutes — so you can register, drive, or satisfy a lender.
Learn moreReady to save on Florida car insurance?
Get a free, no-obligation quote in minutes — or call now and talk to a licensed Florida agent today.