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


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

Joe Boyle Jr was very helpful, and had great communication.
Brad & Anna Potter
17:58 31 Mar 23
Reached out to Fearnow and have been working with Joe. He has been great to work with. Moved flood and working on homeowners. Thanks Joe!!!!
Christy Zaner
17:50 31 Mar 23
Joseph was very helpful getting my car insurance quote as quick as possible.Thank you so much wonderful service..
Gina Orellana
16:56 24 Mar 23
He got the job done in a timely manner, thank goodness.
Jill Moreno
16:54 14 Mar 23
Joseph Boyle was a pleasure to interact with. He found me an insurance plan with coverage I needed and saved me money! Thank you Joe.
JC isKing
23:15 23 Feb 23
I contacted Fearnow based upon a recommendation after receiving a non-renewal HO policy notice and I am so glad I did! I needed a new roof and wind mitigation report to become insurable before my current policy expired. It was a very stressful time but Joe Boyle provided excellent customer service and walked along side me through the entire journey. He found better coverages for both my auto and home policies at lower costs to me. I am so very grateful to have some money back in my pocket and insurance coverage I can count on. Joe Boyle @ Fearnow Insurance provided excellent customer service and was an absolute pleasure to work with. I look forward to using Fearnow Insurance for all my future insurance needs. I highly recommend them!
Lisa Guck
17:59 21 Feb 23
Contacted Fearnow Insurance after reading great reviews and they did not disappoint. Highly recommend! Saved over 50 percent on auto premium. If you want professional and timely customer service that puts the client first along with highly competitive rates, then give them a try.
Mark Starnes
23:26 03 Feb 23
Lydia Bobek is patient, thoughtful, and helpful! I will be relocating to the area from New York State so called around to a few companies for auto insurance quotes. Lydia not only gave me the least expensive quote, she also surpassed the other agents with her customer service skills. I would like to note that not feeling pressured into a decision that involves money and content that I am unfamiliar with is very important to me. Lydia never made me feel pressured. She was able to keep in touch with me in a professional and polite manner whilst never being pushy. I am very appreciative!
Amanda Szudzik
17:22 05 Jan 23
Joe was courteous and knowledgeable, and worked hard to switch my insurance in a timely fashion. I would definitely recommend Fearnow.
Karen Barnes
19:20 03 Jan 23
I seen this company advertised on TV and figured I would give them a shot Brian fearnow was awesome he did a great job and I got a fantastic rate on my commercial liability policy very satisfied
Rob Poissant
20:34 23 Dec 22

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.

Local & Family Owned

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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