Auto insurance guides
Florida's auto insurance rules are unusual enough that drivers moving here from almost anywhere else end up underinsured without realizing it. The state's no-fault system, the $10,000 PIP limit, and the fact that bodily injury liability is optional for most drivers all combine into a minimum policy that protects far less than people assume.
These guides walk through what each coverage actually pays for, where the gaps show up after a crash, and how to decide on limits without buying coverage you don't need.
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Reviewed by Monarch Risk, a licensed Florida independent insurance agency. Last updated July 26, 2026.
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