What car insurance coverage do I need in Florida?

Florida requires all drivers to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP covers your medical bills and lost wages regardless of who caused the accident; PDL covers damage you cause to someone else's vehicle or property. These are the legal floor, but most lenders—and common sense—push you higher. Many drivers carry $25,000 or $50,000 in Bodily Injury Liability to protect themselves if they seriously injure someone, since medical bills and lawsuits can far exceed the state minimum. Collision and Comprehensive coverage are optional but typically required by lenders if you're financing or leasing; Collision covers accidents you cause, Comprehensive covers theft, weather, and vandalism. Your actual coverage needs depend on your car's value, your assets, and your risk tolerance. If you own a newer vehicle or have savings to protect, higher limits make sense. If you're driving an older paid-off car with minimal assets, state minimums might be legally sufficient—but one serious accident could still expose you to a lawsuit. Shop around; rates vary widely between insurers in South Florida, and bundling home or renters insurance often lowers your auto premium. Once you've bought your car through Elite Edge, you'll need proof of insurance before you drive off the lot. If you're working on getting approved for financing and want to understand what your monthly payment will look like including insurance, our team can help you think through the full picture during your Pre-Qualify at eliteedgeautobroker.com/PreQualify.

Common questions