Summary
Choosing the right auto insurance in Florida isn’t just about meeting legal requirements—it’s about protecting your financial future from medical bills, lawsuits, weather damage, and uninsured drivers. This guide breaks down the essential coverage types, explains what’s required in Florida, and shows you how to build the best policy for your needs and budget.
We do NOT write Florida state-minimum policies. This page is for drivers who want stronger protection and better long-term value.
Understanding Auto Insurance Coverage Types: A Complete Guide for Florida Drivers (Beyond the Minimums)
Choosing the right auto insurance in Florida isn’t about chasing the lowest price—it’s about protecting your finances from medical bills, lawsuits, weather loss, and uninsured drivers. Below is a clear guide to the coverages and limit strategies we recommend for real-world protection.
Get My Personalized Quote (Above State Minimums) •
Call or Text 407-781-1600
Who We’re a Good Fit For
- Drivers who want higher liability limits to protect income and assets
- Families who prioritize UM/UIM, comprehensive, and collision
- Homeowners, new-car owners, and anyone with something to lose
Not a fit: Shoppers seeking the absolute minimum legal coverage or “cheapest possible” policies.
Why “More Than Minimum” Matters in Florida
Florida is a no-fault state (PIP), has high uninsured-driver rates, and faces severe weather. The right limits and add-ons can prevent five-figure out-of-pocket costs after a crash or storm.
Sun Insurance Services (Orlando) compares multiple carriers to help you balance protection and price—without sacrificing critical coverage.
Required Auto Insurance in Florida (For Reference)
Personal Injury Protection (PIP) — $10,000 minimum
- Medical expenses: typically 80% up to limits
- Lost wages: typically 60% up to limits
- No-fault: pays regardless of who caused the crash
Property Damage Liability (PDL) — $10,000 minimum
- Covers damage you cause to others’ property
- Often includes legal defense
- Does not cover your vehicle
Our policy stance: We don’t write state-minimum policies. Most of our clients select $50,000+ PDL and pair it with higher Bodily Injury Liability limits.
Core Coverages We Recommend
Bodily Injury Liability (BIL)
- Pays others’ medical bills, lost wages, pain & suffering if you’re at fault
- Includes legal defense
- Typical starting point for our clients: $100,000 per person / $300,000 per accident (often higher for households with more assets)
Uninsured/Underinsured Motorist (UM/UIM)
- Protects you and your passengers from drivers with no or too little insurance
- We generally recommend matching your BIL limits
Comprehensive Coverage
- Non-collision losses: hurricanes, flooding, hail, theft, vandalism, fire, falling objects, animal strikes
- Essential in Florida’s storm season; choose a deductible that fits your emergency fund
Collision Coverage
- Damage to your vehicle from crashes, rollovers, and many single-vehicle incidents
- Critical for newer, financed, or leased cars
Medical Payments (MedPay)
- Adds medical protection beyond PIP (often no deductible)
- Covers passengers and coordinates with health insurance
Gap, Rental, & Roadside
- Gap: bridges loan/lease balance vs. actual cash value after a total loss
- Rental: daily allowance while your car is repaired
- Roadside: towing, jump starts, flats, lockouts, fuel delivery
Smart Limits & Deductibles
- Align limits with your income, savings, home equity, and future earnings
- Choose deductibles that you can comfortably pay today
- Review annually; adjust as your life and assets change
Florida Realities to Plan For
- Storm & flood risk: comprehensive is non-negotiable for most households
- Uninsured drivers: prioritize UM/UIM
- High mileage / urban driving: increases exposure—mind your limits
- Consider a personal umbrella policy for added liability protection
Recommended Starting Package (Most Households)
- Bodily Injury Liability: $100,000 / $300,000 (often higher)
- Property Damage Liability: $50,000+
- UM/UIM: match BIL limits
- Comprehensive & Collision with sensible deductibles
- PIP: $10,000 (required)
Note: If you have significant assets or income, we’ll recommend higher limits and potentially an umbrella.
Why Work With Sun Insurance Services (Orlando, FL)?
- Coverage designed to protect wealth, not just meet the statute
- Multiple carriers compared for the best value at higher limits
- Plain-English explanations and proactive annual reviews
- Discount hunt: multi-policy, safe driver, telematics, and more
Ready for Better Protection? Get a Quote ☀️
We’ll build an above-minimum package that matches your risks and budget—without cutting critical corners.
Request My Higher-Limit Quote •
Call or Text 407-781-1600
Visit: 7680 Universal Blvd., Ste. 198, Orlando, FL 32819
Eligibility & Lead Quality
To make sure we’re a great fit, our online quote form asks a few quick questions about driving history, vehicle details, and desired limits. If you’re seeking state-minimum coverage, we’re happy to suggest other resources.