Skip to main content

Get a Personal Auto Quote

We represent a wide variety of auto insurance carriers with competitive rates to save you money on coverage you can count on.

Florida-licensed since 2011

Who this is for

  • Daily commuterI-95, Palmetto, downtown — every day.
  • Family with teensNewly-licensed drivers added.
  • Rideshare / deliveryUber, Lyft, Instacart — ask about the endorsement.
  • SR-22 / FR-44 filerCourt-ordered filing handled same day.

What's typically covered

  • Liability coverage
  • Collision & comprehensive
  • Uninsured motorist protection
  • Multi-vehicle discounts

Florida rules to know

  • $10k PIP + $10k PDL requiredFlorida is a no-fault state — these are the state minimums.
  • 14-day PIP ruleMedical treatment must begin within 14 days of an accident.
  • Lapse triggers DHSMV suspensionPlus a reinstatement fee before any new tag activates.

Florida is one of a handful of true no-fault states, which means every registered vehicle has to carry $10,000 in PIP and $10,000 in PDL — bodily injury is not state-required (yet). PIP pays first for medical bills regardless of fault, and a 14-day rule applies for treatment to count. Failure to maintain coverage even briefly triggers a DHSMV suspension and a reinstatement fee before any new policy will activate the tag. We see this constantly: a missed payment turns into a $150 fee plus a higher rate for the next three years. Florida is also one of the highest-loss states in the country, which is why the carrier you pick matters as much as the limits — we shop the ones that price your zip honestly.

General information, not legal or tax advice. Rules, limits, and thresholds change over time — confirm current requirements with the relevant state or federal agency, or ask us about your specific situation.

About you

Personal Auto

What this coverage includes

What a Florida personal auto policy actually covers — liability (state minimums are notoriously low), PIP (required), uninsured/underinsured motorist, comprehensive and collision, rental reimbursement, and roadside. We'll explain what's worth paying for and what's just markup.

Florida is a no-fault state, so PIP and the way it interacts with health coverage matters more here than in most states. We also see plenty of nonstandard drivers — new licenses, prior at-fault, lapses — and we know which carriers will write at fair rates instead of bouncing the application.

Coverage examples

  • Rear-ended on I-95 with PIP only

    You're stopped in traffic on the 95 and get hit from behind. The other driver carries minimum limits. Your PIP pays 80% of medical and 60% of lost wages up to the $10,000 cap regardless of fault — but that full $10,000 applies only if a provider certifies an emergency medical condition; without one, medical PIP is capped at $2,500. If injuries exceed that — and on the 95 they often do — you'd need to pursue the at-fault driver's bodily injury (which Florida doesn't require them to carry) or your own uninsured/underinsured motorist coverage. UM is the cheapest meaningful add-on in Florida and we recommend it on almost every quote.

  • Hailstorm totals your parked car

    South Florida hail and named-storm damage are comprehensive losses, not collision. If you carry comprehensive, the carrier pays actual cash value minus deductible — typically $500 to $1,000. Without comp, the loss is yours. Comp is also what covers theft, flood, falling objects, and the occasional iguana strike. On a financed or leased car the lender requires it; on an older paid-off vehicle it's optional but often only $15-25/month.

  • Teen driver gets a speeding ticket

    A new driver added mid-policy already raises the rate. A speeding ticket on top moves you into the surcharged tier and can stay on the policy for three years. In Florida a carrier generally can't non-renew solely over non-accident tickets without showing they raise accident risk, but repeated moving violations in a rolling 36-month window often push a household into much higher pricing — or a non-renewal. We move the policy to a carrier that prices the violation more reasonably — usually saving 20-40% versus letting the existing carrier keep raising it at every renewal.

Why Us

Why customers choose First Choice

Personal Auto

Frequently asked questions

Do I need PIP in Florida if I already have health insurance?
Yes. Florida requires $10,000 in Personal Injury Protection regardless of your health plan. PIP pays first on auto-related medical bills and covers lost wages — health insurance kicks in after that.
Will a ticket or accident keep me from getting coverage?
Almost never. We work with carriers who specialize in nonstandard auto — speeding tickets, at-fault accidents, lapses, and even SR-22 filings. The rate goes up, but coverage is almost always available.
How fast can you get me a real quote?
Most personal auto quotes come back the same day. Submit the form or call us at the office and we'll have numbers from multiple carriers, usually within a couple of hours during business days.
What does the $10,000 Florida PIP actually pay for?
PIP pays 80% of reasonable medical expenses and 60% of lost wages up to $10,000 total, regardless of who caused the crash. To qualify, you have to be seen by a licensed provider within 14 days of the accident — miss that window and the carrier can deny the claim. PIP does not cover vehicle damage, pain and suffering, or anything beyond that $10,000 cap. Most clients add bodily injury and UM to fill the gap above PIP.
How does the SR-22 process work in Florida?
An SR-22 is a certificate the carrier files electronically with the Florida DHSMV proving you carry the minimum required limits — usually after a DUI, driving without insurance, or certain repeat offenses. We can issue and file it the same day you bind a policy; the state typically posts it within 24-48 hours. Florida requires the SR-22 for three years from the reinstatement date, and the filing fee runs around $15-25 depending on the carrier. Let it lapse and the suspension comes right back.
Does my policy cover me driving for Uber or Lyft?
Not by default. Standard personal auto policies have a livery exclusion that voids coverage the moment you accept a ride request through a rideshare app. Uber and Lyft provide limited contingent coverage while you're logged in but waiting, and full commercial coverage during a trip — but there's a coverage gap during the waiting phase and your personal policy can deny related claims. If you drive rideshare regularly, we add a rideshare endorsement (cheap) or quote a true commercial policy.
My policy lapsed. How do I get back on the road fast?
Don't drive on the suspended tag — the citation alone is more expensive than waiting an hour. We can usually bind a new policy within an hour for a routine reinstatement, file the proof of insurance with the DHSMV electronically, and get the registration restored same day after you pay the reinstatement fee at the tax collector's office. Carriers price recent lapses more aggressively for the first 12 months, so we shop the ones that don't surcharge as hard.

General information, not legal or tax advice. Rules, limits, and thresholds change over time — confirm current requirements with the relevant state or federal agency, or ask us about your specific situation.

Keep going

More coverage you might need