Auto insurance is a contract between a vehicle owner and an insurance company. It can protect financially against losses or damage resulting from accidents, theft or other unforeseen events. Depending on the policy’s terms, auto insurance may cover various costs, including medical expenses, property damage and legal fees.

What Auto Insurance Is Required in Florida?

Auto insurance is crucial for ensuring financial responsibility in case of accidents, protecting both drivers and third parties involved in a collision. In Florida, there are specific insurance mandates that all drivers must follow to operate a vehicle on its roads legally.

Florida law requires drivers to have the following auto insurance coverage:

• Personal injury protection (PIP)—As Florida is a “no-fault” state, each driver’s insurance policy is responsible for covering their own medical expenses and related costs. PIP can help cover medical bills, lost wages, and other costs resulting from car accidents.

• Property damage liability (PDL) —This can help pay for damages you cause to another person’s property, such as their vehicle or a building, due to a car accident.

Keep in mind that these are the minimum insurance requirements in Florida. Your insurance agent may recommend additional coverage options, such as uninsured/underinsured motorist coverage, comprehensive insurance and collision insurance.

How Much Auto Insurance Do I Need in Florida?

Several factors impact your auto insurance cost. Many insurers consider the following to determine your premium:

• Your age

• Driving record

• Vehicle make and model

• Credit history

• Claims history
• Coverage options

For visitors or individuals borrowing a car temporarily, short-term auto insurance offers a flexible option, providing coverage for a limited period without a long-term commitment. However, these policies can be challenging to find, as most major car insurers do not offer temporary policies. To avoid potential scams and ensure adequate coverage, purchase short-term auto insurance from reputable carriers.

Where to Buy Auto Insurance

McKee Insurance Agency offers more than just standard auto insurance. Contact us today to learn more.