What Makes Up the Average Florida Car Insurance Policy in 2025?

If you are a licensed driver in Florida, then you should know that you need car insurance in order to legally operate your vehicle. That’s true in every other state as well. Having insurance protects not just you, but other drivers on the road. It also protects pedestrians and cyclists. 

You need minimum car insurance coverage in Florida, though you can also buy a policy that provides more than the necessary minimum amount. Even if you don’t legally need that, you should probably at least consider it. 

If you’ve never bought car insurance, though, then you might not know everything that goes into the average policy. We’ll talk about that in detail right now.

The Amount of Coverage You Get

First, you will want the car insurance policy that you buy in Florida to specifically state the amount of coverage that you get. For instance, maybe you will get a policy that’s worth $50K.

The policy won’t just state the amount that it extends to you, though. It will also lay out in explicit detail under what circumstances the policy will pay out that money.

Florida has no-fault car accident status. That means the kind of policy that you get should have PIP coverage, shorthand for personal injury protection. 

No-fault car accident states require that every driver have a designated amount of PIP insurance. The policy will kick in when you’re in a car accident.

No matter whether you caused the crash or another driver did, that PIP insurance should cover your medical bills, any lost wages if you have to miss work for a time while you’re recovering, and also the cost to repair your car so that you can get it back out on the road again.

However, though your car accident policy does not specifically mention this, if you feel that the other driver caused the accident, and the cost of your economic expenses goes beyond the amount of PIP insurance that the coverage affords you, then you may have to sue the other driver. You might want to do so because you feel that you need to recoup the additional money you spent beyond the amount in your policy.

You may also have to sue the other driver if you feel that you have some non-economic damages after a car wreck, like pain and suffering, for instance. Your PIP insurance will not cover that.

Bodily Injury Liability

You should also know that when you purchase a car insurance policy in Florida, you can get a very bare-bones one, or you can get a more expensive one that covers you in more situations that might occur. Like getting a policy that goes beyond the minimum required PIP amount, you don’t have to get these add-ons, but it’s usually at least worth considering them.

You may also get a policy that comes with a bodily injury liability clause. This comes into play if you caused an accident and injured another party, like another driver or their passenger. 

Again, Florida has no-fault car accident status. However, if the other driver’s policy doesn’t cover all of their medical expenses, then they might sue you to try to recoup the rest of the money they had to spend out of pocket. If you have bodily injury liability insurance, though, this person will probably not have to sue you.

Instead, this part of your policy will kick in. When it does, it should cover what this person had to pay out of pocket. However, they might still sue you if they claim they sustained non-economic damages, like pain and suffering, loss of companionship if the crash killed one of their loved ones, etc.  

Property Damage Liability

Your Florida car insurance policy might feature a clause that protects you if your car accident damages some property. Let’s say that you cause a car crash. The other driver’s PIP insurance kicks in, and that covers their vehicle repair costs and medical bills.

However, when you collided with this other car, the momentum also forced you off the road. You traveled through someone’s front yard and hit the front of their house.

If that happens, that’s when the property damage liability section of the insurance policy will kick in. The property owner should get a check from your insurance company that covers these damages. If that happens, then presumably you will feel glad that you thought to get the more expensive policy that featured that clause. 

Collision

You might also have a collision clause in your Florida car insurance policy. Collision means that this clause will kick in and cover the damage to your vehicle whether you cause an accident or not. 

Since Florida has no-fault car accident status, you might feel like you don’t need this particular clause. They’re much more common in at-fault states, where the party who caused the accident must use their insurance to cover the resulting damages.

However, if you lease a vehicle in Florida or finance one, you might need to get this clause on top of everything else. It might seem redundant, but it’s an extra layer of protection that should kick in if you cause a devastating or expensive accident.

Comprehensive and Uninsured or Underinsured Motorist Protection

You might see one additional clause in your Florida car insurance policy as well. That’s a comprehensive clause. 

It kicks in if something happens to your car over which you have no control, such as a weather event. In Florida, since there’s often dangerous weather during hurricane season, you should strongly consider inserting this clause. 

You can also obtain uninsured or underinsured motorist protection. This comes into play if your vehicle collides with a car, and the driver has no auto insurance. Again, this kind of clause matters more in at-fault states, but it’s not bad to have it in a no-fault state, either. 

The more protection you want, the more of these clauses you will have to include. For more information on living in Florida, please checkout GatorRated.com.