Florida's minimum requirement is Personal Injury Protection ($10,000) and Property Damage Liability ($10,000). That's it — and it's famously inadequate. Bodily injury liability isn't required for most drivers, which is why so many Florida drivers carry minimum coverage and why uninsured motorist coverage matters so much here.
Ricardo helps Florida drivers and families compare options from the carriers he's appointed with. He's not going to push a package. He'll explain what each coverage does, what it costs, and let you decide.
Who this is for
- Florida drivers who want someone to explain their options
- Families with teen or new drivers
- Buyers who just purchased a vehicle and need coverage today
- Drivers with prior lapses, tickets or SR-22 requirements
- Spanish-speaking drivers who want the whole process in Spanish
What this coverage typically addresses
Personal Injury Protection (PIP)
Required in Florida. Pays a portion of your own medical bills and lost wages regardless of fault.
Property damage liability
Required. Pays for damage you cause to someone else's car or property.
Bodily injury liability
Not required for most drivers but strongly recommended — it's what protects your assets if you injure someone.
Uninsured / underinsured motorist
Florida has one of the highest rates of uninsured drivers in the country. UM covers you when the other driver can't.
Collision & comprehensive
'Full coverage.' Collision pays for your car after an accident; comprehensive covers theft, storms, flooding and that pothole on US-41.
Rental, roadside, gap
Add-ons that matter if you're financing or rely on one vehicle.
What Ricardo will ask you for
Have these ready and the quote goes smoother. Don't have everything? Call anyway — Ricardo will tell you what actually matters for your situation.
- Contact information and ZIP code
- Vehicle year, make, model and VIN
- All drivers in the household with license numbers and dates of birth
- Current carrier and coverage (your declarations page)
- Renewal or expiration date
- What you want: minimum, full coverage or something specific
Why people call Ricardo instead of clicking 'get a quote'
Online quotes give you a number. They don't tell you that your $10,000 PIP won't come close to covering an ER visit, or that your lender requires collision, or that dropping UM to save a few dollars is the worst trade in Florida insurance. Ricardo tells you, in a five-minute conversation, in whichever language you prefer.
And he's still there after you buy — when you add a car, when a kid gets a license, when something goes wrong.
Common questions
What car insurance is required in Florida?
$10,000 Personal Injury Protection and $10,000 Property Damage Liability. Bodily injury liability becomes required after certain violations. Most people need more than the minimum to be meaningfully protected.
What is 'full coverage'?
It usually means liability plus collision and comprehensive. Lenders require it on financed vehicles. The exact limits and deductibles are up to you — Ricardo helps you set them.
I just bought a car. How fast can I get insured?
Timing depends on the carrier and your information. Call with the VIN and your driver information and Ricardo will walk you through the next steps.
Do you help with SR-22 or FR-44 filings?
Yes, where carriers offer them. Tell Ricardo up front and he'll quote the right carrier.
¿Hablan español?
Sí. Ricardo is a native Spanish speaker. The whole process can be done in Spanish — see the Spanish auto insurance page.
Local pages
Coverage availability, eligibility and pricing vary by carrier and are subject to underwriting. Nothing on this page guarantees a premium, savings, approval or coverage.