🌊 Florida’s Smart Insurance Marketplace — Compare home, auto, flood, and more from multiple carriers. Start your quote →
🌴 Still on Citizens Insurance? Florida’s private market may offer better rates & broader coverage — compare options →
🔒 Lock in your home insurance premium for 3 years — Ask about Eventual’s Premium Lock. Learn more →
🚗 Auto Insurance

Florida Auto Insurance
Without the Runaround

Florida’s no-fault system, high uninsured driver rates, and severe weather make the right auto policy essential. Nymble shops multiple carriers to find coverage that protects you at a price that works.

Get a Auto Insurance Quote
A licensed Florida agent shops multiple carriers and gets back to you with your best options.
🔍 Compare Auto Insurance → 📞 Call or Text 813-291-3484
90+ FL-licensed carriers · All 67 counties · No phone tag
What’s Covered

Florida Auto Insurance Coverage

Florida is a no-fault state with unique minimum requirements. Understanding your coverage options helps you avoid gaps that could cost you after an accident.

🛡️
PIP (Personal Injury Protection)
Florida requires $10,000 in PIP coverage, which pays your medical expenses and lost wages regardless of who caused the accident. This is the foundation of Florida’s no-fault system.
🚧
PDL (Property Damage Liability)
Florida requires $10,000 in PDL, which covers damage you cause to someone else’s property. This minimum is dangerously low — Nymble recommends significantly higher limits.
⚖️
Bodily Injury Liability
Not required by Florida law but strongly recommended. BI liability covers injuries you cause to others. Without it, you’re personally responsible for medical bills and legal costs — Florida is a high-litigation state.
💥
Collision Coverage
Covers damage to your own vehicle from a collision, regardless of fault. Essential if you’re financing or leasing, and generally smart for any vehicle with meaningful value.
🌪️
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, falling objects, animal strikes, and — critically in Florida — flood and hurricane damage to your vehicle.
🛑
UM/UIM Coverage
Uninsured/underinsured motorist coverage protects you when the at-fault driver has no insurance or insufficient coverage. Florida has one of the highest uninsured driver rates in the country.
Why It Matters

Florida Auto Insurance Is Different

Florida’s no-fault system means your own PIP coverage pays your medical bills first, regardless of who caused the accident. But the state minimums — $10,000 PIP and $10,000 PDL — are among the lowest in the country and leave most drivers significantly underinsured.

Florida also has the highest rate of uninsured drivers and one of the most litigious auto insurance environments in the nation. Nymble helps you build a policy with adequate liability limits, UM/UIM coverage, and the right deductibles — all while shopping multiple carriers to keep your premium competitive.

Whether you drive a daily commuter, a family SUV, or a weekend sports car, we’ll find coverage that protects you without overpaying.

Common Questions

Auto Insurance FAQ

What auto insurance does Florida require? +
Florida requires $10,000 in PIP (Personal Injury Protection) and $10,000 in PDL (Property Damage Liability). Bodily Injury Liability is not required by law, but Nymble strongly recommends it — without BI, you’re personally liable for injuries you cause to others.
Why is Florida auto insurance so expensive? +
Several factors drive Florida’s high auto rates: a large uninsured driver population, frequent severe weather, high vehicle theft rates in some areas, and a litigation environment that produces high claim costs. Shopping multiple carriers through an independent agent like Nymble is one of the best ways to find competitive rates.
Does auto insurance cover flood damage to my car? +
Yes — if you have comprehensive coverage. Comprehensive covers flood, hurricane, and storm damage to your vehicle. This is separate from your homeowners flood policy. If you live in a flood-prone area, comprehensive is essential for your vehicle.
What is UM/UIM coverage and do I need it? +
Uninsured/underinsured motorist coverage protects you when the driver who hits you has no insurance or insufficient coverage. Given that Florida has one of the highest uninsured driver rates in the country, this coverage is highly recommended and relatively affordable to add.

Ready to Compare
Auto Insurance Quotes?

Tell us about your vehicles and drivers. A licensed Nymble agent will shop multiple carriers and get back to you with your best options.

Insurance Products
🏠Home Insurance 🌊Flood Insurance 🏕️Mobile Home Insurance 🏗️Investment Properties 🚗Auto Insurance 🏢Condo Insurance 💛Life Insurance 💼Business Insurance All Products →
Explore
🔍Get a Quote 🏦Our Carriers 📍Florida Locations ❤️Wall of Love 📝Blog & Insights FAQ
Company
🌴About Nymble 🤝Partner Program ✉️C