Get FL Insurance helps Florida drivers get car insurance quotes and actually understand what they are buying. Florida law requires $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL) on every registered vehicle — but the state minimum rarely protects you fully. Tell us about you and your car, and we will build a quote around what you really need.
Three steps. No obligation, and your information is only used to prepare your quote.
Fill in the quote form below: drivers, vehicles, current coverage and driving history. It takes about three minutes.
A Florida insurance agent reviews your information, checks the coverage combinations that fit your situation, and prices your options.
We walk you through the quote line by line — what each coverage does, what it costs, and what we recommend for Florida roads.
Florida is a no-fault insurance state. That means after a crash, your own insurance pays your medical bills first — no matter who caused the accident. To register and drive a vehicle in Florida, the law (Florida Statutes §627.733) requires two coverages at all times:
Most Florida auto insurance companies require you to list every household member over 14 years of age on your application and policy — your spouse, your children, parents, relatives and roommates who live with you. Licensed or not — it does not matter if they have no driver's license and no learner's permit. If they are over 14 and live in your home, most companies require them listed. Insurers assume anyone living under your roof has access to your keys, and Florida's PIP coverage extends to resident relatives by law, so the company is carrying that risk whether you mention them or not. Each person must be disclosed and given a status:
The person is listed and priced into your premium based on their driving record and experience. This is the normal status for licensed household members.
The person is named on the policy but formally excluded. They are not covered at all when they drive your car — if an excluded driver crashes it, the insurance pays nothing for that accident, and they must never drive the vehicle.
A household member over 14 who has no license or permit — or who genuinely never drives — is still disclosed and listed as a non-driver. Companies typically do not charge for them, but being unlicensed is not a reason to leave them off. They must be on the application.
A household member who has their own separate insurance policy still has to be disclosed — the company will note their other coverage. And when someone moves in, moves out, or a teen gets a license or permit, tell your agent right away; most companies require updates within about 30 days.
Bottom line: list everybody. Rated, excluded, or non-driver — those are the only three safe options. "Not mentioned" is the one that can wipe out your coverage.
Auto insurance is sold in pieces. Here is what each piece actually does, in plain English — so your quote is something you understand, not just something you pay for.
Personal Injury Protection (PIP) pays your own medical bills and part of your lost wages after a crash, no matter who was at fault. It covers you, relatives in your household, and passengers who have no PIP of their own. Florida requires $10,000 of PIP on every registered vehicle.
Required in Florida: $10,000Property Damage Liability (PDL) pays to repair or replace other people's property that you damage in a crash — most often the other driver's car. If the damage costs more than your limit, you pay the rest yourself, so many drivers carry more than the minimum.
Required in Florida: $10,000Bodily Injury (BI) liability pays for other people's injuries when you cause a crash: their medical bills, lost wages, and legal claims against you. It protects your savings, your home and your future wages. Limits are written per person / per accident, for example 100/300 means $100,000 per person and $300,000 per accident.
Not required — strongly recommendedUninsured/Underinsured Motorist (UM/UIM) coverage pays your medical bills and related losses when the driver who hit you has no insurance — or not enough. About 1 in 5 Florida drivers is uninsured, one of the highest rates in the country, which makes UM one of the most valuable coverages a Florida driver can buy.
Strongly recommended in FloridaCollision coverage pays to repair or replace your own car after a crash with another vehicle or an object — a pole, a wall, a pothole — minus your deductible. If your car is totaled, it pays the car's actual cash value. If you have a loan or lease, your lender almost certainly requires it.
Optional — usually required by lendersComprehensive coverage pays for damage to your car from events other than a crash: theft, fire, vandalism, flood, falling objects, hitting an animal — and in Florida, hurricane and storm damage. Like collision, it pays actual cash value minus your deductible, and lenders usually require it.
Optional — important in hurricane seasonMedical Payments (MedPay) coverage adds extra money for medical expenses for you and your passengers on top of PIP, without a deductible or co-pay percentage. It fills the gap PIP leaves: PIP pays only 80% of medical costs and stops at $10,000.
Optional add-onRental reimbursement pays for a rental car while your car is in the shop after a covered claim, up to a daily and total limit (for example $40 per day for up to 30 days). Without it, a repair after a crash or storm means paying for a rental out of pocket.
Optional add-onRoadside assistance covers towing, jump-starts, flat tires, lockouts and fuel delivery. GAP coverage pays the difference between what you owe on a loan or lease and what the car is worth if it is totaled — new cars lose value fast, so the gap can be thousands of dollars.
Optional add-onsFlorida law requires every registered vehicle to carry at least $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL). Florida is a no-fault state, so PIP pays your own medical expenses after a crash regardless of who caused it. Bodily injury liability is not required for most Florida drivers, but it is strongly recommended.
Yes. Most Florida auto insurance companies require every household member over 14 years of age to be listed on the policy — as a rated driver, as an excluded driver, or as a listed non-driver. It does not matter whether they have a driver's license or a learner's permit; if they are over 14 and live with you, they must be listed. Leaving someone off the application is material misrepresentation: the insurer can deny your claim and rescind the policy, even if you were the one driving and the unlisted person had nothing to do with the accident.
PIP pays 80% of necessary medical expenses, 60% of lost wages, and a $5,000 death benefit, up to your $10,000 limit. You must seek medical treatment within 14 days of the crash for PIP to apply, and an emergency medical condition determination affects how much of the limit is available.
For most drivers, no — Florida does not require BI to register a car. But without BI, if you injure someone in an at-fault crash you are personally responsible for their medical bills and claims. Florida also requires BI after certain events, such as a DUI or causing a crash with injuries. Most agents recommend at least 25/50 limits, and 100/300 or higher if you own a home or have savings to protect.
Because roughly 1 in 5 Florida drivers has no insurance at all — among the highest uninsured rates in the United States. If one of them hits you, their policy will not pay your medical bills, because there isn't one. UM/UIM is the coverage that steps into their place, and stacked UM gives you even more protection.
Each driver's full name and date of birth, the address where the car is kept (garaging address), each vehicle's year, make, model and ideally its VIN, how each vehicle is used (commute, pleasure, business) and approximate annual miles, your current carrier and policy expiration date if you are insured now, and any tickets, accidents or claims in the last 3 to 5 years. That is exactly what the quote form below asks for.
Collision pays when your car is damaged in a crash — with another vehicle or an object. Comprehensive pays for non-crash damage: theft, fire, flood, hurricanes, vandalism, falling objects and animals. Both pay up to your car's actual cash value minus your chosen deductible, and lenders and leasing companies normally require both.
No. Asking for a quote does not affect your current policy, and insurance quotes use a soft credit inquiry (where credit-based insurance scoring applies) that does not lower your credit score the way a loan application can.
Fill in what you can — the more complete it is, the more accurate your quote. Fields marked * are the ones we truly need. When you submit, your email app opens with everything addressed to quotes@getflinsurance.com — just press send.