Florida Car Insurance2023-03-09T11:35:57-05:00

Florida
Car
Insurance

Florida Car Insurance

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Save up to 37% with Fearnow Insurance

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.

What Our Customers Say

Great agency! Joseph Boyles was helpful and easy to work with!
Bambi Adams
18:33 29 Sep 23
My experience with Fearnow Insurance and Joe Boyle was absolutely five star! From my first call to finalizing my homeowners insurance policy I was extremely pleased. Response time from Joe was really impressive. All of my questions were answered timely and I had quite a few of them along the way. He was very professional and made sure that I was comfortable with what I was signing and understood the policy and the coverage I was receiving. Unfortunately, our previous carrier was going out of business and we were on a time crunch with securing new coverage. He understood the sense of urgency and worked hard to make sure we were able to secure the coverage we were needed. I would highly recommend Fearnow Insurance to anyone looking to secure an insurance policy. In addition to my homeowners insurance I will also be reaching out to them to look into automobile insurance.
Gracie Praizner
20:26 27 Sep 23
If you need insurance Fearnow is the place to go! We've used Fearnow for the last few years and have built a great relationship with a lot of the staff but Jean Rodriguez takes the lead (I guess you can say she's our favorite agent). Recently we were having the hardest and most stressful time finding an insurance company for garage liability and sadly we were forced to shop with other agencies. Every company we spoke with said our current agent has clearly gone above and beyond for us and unfortunately couldn't help because Jean already approached the markets they were signed with. A day or two before our expiration date we had a quote with another agency. We sent the quote over to Jean to look over and Jean WENT TO WORK AGAIN and MADE IT HAPPEN!!! We appreciate Jean and the rest of the team at Fearnow and are so happy we can continue to have them on our team!! Thank You! Thank you! THANK YOU!!!!
Joshua Hernandez
17:12 27 Sep 23
Joe continues to provide excellent service! Earlier this year he helped with my mother's homeowner insurance by cutting the cost in half. Now he's helped with securing auto insurance for my daughter. He's very responsive & knowledgable. Highly recommend using Fearnow & Joe for your personal lines needs.
Amy Walker
01:04 23 Sep 23
Fearnow has handled our personal and commercial insurance needs for many years now and have always gone the extra mile to make sure we have our insurance needs taken care of!
All American Land Management LLC
20:10 22 Sep 23
Amanda Ball was AWESOME!!!!!!! Thank you so much!!!!
Mindy Polk
13:31 22 Sep 23
Gracias por Tu excellente servicio, Jennifer . Cada vez que hablo contigo es un placer, eres paciente y de verdad muestras interes en ayudar. Una clienta satisfecha.
Alejandra Del castillo
22:56 14 Sep 23
Highly recommend Fearnow Insurance and Daneen Stiles. She went above and beyond to keep me as a client. Explained all my options to me. Thank you!
Lori Rogers
13:32 12 Sep 23
Joe Boyle was able to help us out very quickly getting new Home and Car insurance after AAA decided to cancel us. Aside from getting this done in a day, it was cheaper as well. All this after we had been waiting for about 2 weeks, twice in a row by other "insurance agents" without as much a quote. Joe really killed it. Don't fear now, call Joe!
Maarten Huiskamp
22:23 11 Sep 23
Look no further for your insurance needs. As you all know, purchasing a home and finding a credible insurance agency can be stressful. Amanda Ball, went above and beyond answering any questions I had and guiding me through what I needed. She was so pleasant and easy to talk to. Highly recommended, she is my go to for all insurance needs!
Nicole Buchana
19:59 11 Sep 23

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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Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

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.

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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