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If you drive a vehicle with four or more wheels in Florida, you are required to have a minimum amount of car insurance, and you must have proof of that insurance before you can register your car with the Florida Highway Safety and Motor Vehicles (FLHSMV) department. At Fearnow, we offer car insurance for all types of private vehicles.

Florida Car Insurance Minimum Requirements

The state minimum insurance requirements for Florida vehicles states that you must have:

Personal Injury Protection (PIP) in the amount of $10,000.
Property Damage Liability Insurance in the amount of $10,000.
Deductibles ranging from $500 to $1,000.

It’s important to note that vehicle owners must have insurance on their vehicles as long as that vehicle is licensed and titled, even if that vehicle cannot be driven. To cancel the insurance on an inoperable vehicle, the license plate and registration tags must be surrendered to the FLHSMV prior to the cancellation of insurance.

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What Our Customers Say

Joseph Boyle made it fast and easy to understand. He was very efficient at securing the most reasonable quote for me. I highly recommend him.

Henry G

17:51 16 Jul 25

OUTSTANDING COMPANY! I would give it 10 stars if it was an option! We had been getting ripped off by our FORMER insurance company for many years. A friend at work recommend this Fearnow Insurance and Mr. Joe Boyle specifically. Within a few days, Joe not only found us a much better homeowners policy which is saving us over $5000.00 on our premium, he walked us through both policies (car and home) and made some MUCH NEEDED adjustments to our coverages and deductibles to ensure we are covered in case of an emergency. They are definitely experts in this field. We have never felt this comfortable about our insurance coverages and what we are spending on it. This was such an easy process and it's wild how fast we already have new policies. Thank you Joe Boyle!I will definitely be recommending this company to everyone I know.

Marvin Johnson

19:52 08 Jul 25

Great experience. Joe has been working hard to find me great coverage at a good price after my original policy kept increasing. He was able to do that, found me better coverage at a much better rate. I appreciate him working so hard! Highly recommend.

Kenny Collins

19:00 03 Jul 25

Is it even possible to submit a 5 million star review of sales agent, Mr. Joseph Boyle with Fearnow Insurance Inc ? Mr. Boyle is a highly skilled professional and even more remarkable has exceptional interpersonal qualities: very congenial and displays highly caring empathy.In my own case, I recently received a renewal policy correspondence from my former insurance provider indicating that I would be paying over three times as much for car insurance because I purchased a new all electric vehicle. After an in office consultation with Mr. Boyle, he was able to search for a bundled alternative that ended up saving me a considerably large sum of money.If you are considering changes in your insurance coverages, please do not hesitate to contact Mr. Joseph Boyle with Fearnow Insurance Inc. You will be very happy with the results.

William Rind

17:44 03 Jul 25

Kayla Peel worked diligently on my issue. She has gone above and beyond with my claim making sure I was always in the know as to what the next steps were on getting my insurance paperwork corrected. Kayla was super pleasant to engage with whether it be by phone, text or email. She was kind, polite and very understanding. She definitely is very detailed oriented and seems to be a great asset to Fernow insurance. She made sure I was well taken care of. If I could give more than 5 stars I would have given her 100 more ⭐️.

Joanne Amaro

12:24 27 Jun 25

Joseph Boyle is very personable and caring. He worked hard to find the right homeowners insurance policy for me taking price and coverage into consideration. I am confident I have found a great insurance agent that will continue to assist me year after year. If you have ever considered shopping your current policy, I would highly recommend giving Joe a call!!!

Lizabeth Pierce

00:47 29 May 25

Joe did an excellent job helping select the right policy for me quick and easy process thanks joe

Creed Fury

19:53 28 May 25

Thank you Matthew Wink for your awesome service with my homeowners insurance every year a true blessing to have with great company thanks again.

Jermaine Miller

19:31 28 May 25

BIG THANKS to Matt Wink for the support on my new truck. He's always been very helpful and pleasant to work with.

Lenny Campbell

16:07 28 May 25

I just wanted to thank Madrienne James at Fearnow for her outstanding service. She helped us save thousands on our insurance and I cannot thank her enough for her efficiency and hard work. I would recommend Fearnow to everyone!

Karen O'Malley

19:08 21 May 25

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The Fearnow Agency Advantage

We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
We can save you up to 37% in insurance cost, or get better coverage for the same cost.
We always provide full disclosure of plan inclusions and exclusions.
We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
Our agents are continuously training, so they stay the leading experts in their field.

Types of Auto Insurance Available in Florida

At Fearnow, we offer car insurance policies that will meet your needs and financially protect you if you get into an accident. Car insurance coverage options that we offer include PIP, PDL and BDL as well as collision, comprehensive and under and uninsured motorists coverage.

Personal Injury Protection (PIP)

PIP coverage is required by law in Florida and covers medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who was at fault. In general, PIP is designed to pay up to 80 percent of the medical expenses from injuries that occurred during the accident. It typically pays up to 60 percent in lost wages, and it usually pays up to $5,000 in the event that someone lost their life in the accident. It’s important to note that exact amounts will depend on your specific policy.

Property Damage Liability (PDL)

PDL coverage is also required by law in Florida and covers damage to other people’s property, such as their car, fence or mailbox. This insurance applies if you are found to be the at-fault driver. This coverage pays for the repair or replacement of the damaged property.

Bodily Injury Liability (BIL)

While BIL is not required by Florida law, it is still a good idea to have in your car insurance policy. It covers injuries that you caused, as the at-fault driver. This coverage typically applied to the other driver in the car, their passengers or any pedestrians you may have struck with your vehicle.

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Collision Coverage

Collision coverage is not required by Florida law. However, if you want your vehicle to be repaired or replaced in the event of a car accident, regardless of whether you were at-fault or not, collision coverage is a must. It’s important to note that collision coverage typically comes with a deductible, which is an amount you must pay toward the repairs or replacement of your vehicle.

Comprehensive Coverage

Comprehensive coverage is also optional and covers damage to your vehicle from non-accident events, such as theft, vandalism or certain covered natural disasters. It typically applies to damage that occurred to your vehicle while it is parked.

Uninsured/Underinsured Motorist Coverage

Underinsured and uninsured motorists coverage is not required by Florida law. However, if you are in an accident with a driver who does not have enough coverage to pay for all the costs associated with the accident, you could end up paying for part of those expenses or having to sue the other driver to recoup the total amount of the accident’s costs. This coverage helps protect you in those scenarios.

F.A.Q.

Will my home insurance go up if I make a claim?

What should a homeowner’s insurance policy include?

Are slab leaks covered by homeowners insurance?

Additional Coverages You Can Purchase With Your Car Insurance

In addition to the insurance coverages listed above, you may also want to consider some additional options, like roadside assistance and rental car reimbursement.

Roadside Assistance

Roadside assistance provides you with a phone number to call and assistance if your car breaks down while you are on the road or if your car won’t start. This service is designed to help you with jumpstarts, tire changes and towing.

Rental Car Reimbursement

If you get into a car accident and your car is in the repair shop, this coverage pays up to a certain amount for each day that you need a rental car.

Gap Insurance

If you make payments on your car to a lender or for a leased vehicle, you may want to consider getting gap insurance. This coverage is designed to pay the difference between your car’s market value and the actual amount of money left on your lease or car note. This helps if your car is stolen and not recovered or if you get into an accident and your car is declared a total loss.

Florida Car Insurance with Fearnow

If you need affordable car insurance in Florida, let Fearnow help. We have access to many policies across multiple carriers so that you can get exactly the coverage you need at a price you can afford.

To learn more about our car insurance, call us at 813-689-8878.

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