Auto Insurance for Tampa FL
Florida's $10,000 minimums leave most drivers exposed. We compare multiple Florida-licensed carriers to find coverage that protects your assets.
Florida is a no-fault state, and that changes everything
Every Florida driver must carry PIP, so your own policy pays your medical bills no matter who caused the crash. The state minimums are deliberately low, and most Tampa Bay drivers need more.
- PIP is your primary medical coverage after any accident
- $10,000 PDL won't cover an average new car in a serious crash
- Premiums can vary by hundreds of dollars a year between insurers
- Helping Hillsborough County drivers for 30 years
What each Florida auto coverage does
Florida law sets the minimum. Most drivers need more to be truly protected.
Personal Injury Protection (PIP)
Required, $10,000 minimum. Pays 80% of medical costs and 60% of lost wages, regardless of fault.
Property Damage Liability (PDL)
Required, $10,000 minimum. Pays for damage you cause to others. We recommend $50,000-$100,000.
Bodily Injury Liability (BIL)
Not required, but essential. Covers injuries you cause and protects your home and savings from lawsuits.
Collision Coverage
Repairs your car after a collision, regardless of fault. Required by most lenders. Higher deductible, lower premium.
Comprehensive Coverage
Covers theft, hurricane, wind, hail, flooding, fire, animal strikes and vandalism. Required by most lenders.
Uninsured/Underinsured Motorist
Pays your medical bills and car damage when the at-fault driver has no insurance or too little.
- $10,000Required minimum Personal Injury Protection
- $10,000Required minimum Property Damage Liability
- 80%Share of medical expenses PIP covers, up to the limit
- 60%Share of lost wages PIP covers, up to the limit
What happens if you drive without Florida coverage
Driving uninsured suspends your license and registration, and the costs can far exceed any premium savings.
Not at fault? You may recover diminished value
Florida is one of 15 states that lets you claim lost resale value from the at-fault driver's insurer. You have 4 years from the accident to file.
An independent broker whose loyalty is to you
Independently owned in Florida for 30 years and not captive to any single carrier. We compare coverage and pricing from multiple Florida-licensed insurers.
- Multiple FL-licensed carriers compared at once, not one take-it-or-leave-it quote
- Based in Valrico, serving Hillsborough County families for 30 years
- Same-day answers and a real person at 813-776-1542
- Annual reviews, shopping competing carriers when better options appear
Getting covered in 3 simple steps
Tell us about your situation
Call 813-776-1542 or fill out the form. We only ask what we need for an accurate quote.
We shop multiple carriers
An agent compares rates and coverage from multiple Florida-licensed carriers on your behalf.
Choose your policy and get covered
Pick what fits your budget. We bind coverage, typically the same business day, with no pressure.
Frequently asked questions
What is the minimum auto insurance required in Florida?
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily injury liability is not required under Florida's no-fault system, but is strongly recommended.
Does Florida require bodily injury liability insurance?
Florida does not require bodily injury liability as part of its standard no-fault requirements. However, it is strongly recommended, without it, your personal assets could be at risk in a serious at-fault accident.
What happens if I'm hit by an uninsured driver in Florida?
Florida has one of the highest rates of uninsured drivers in the country. Uninsured/Underinsured Motorist (UM/UIM) coverage protects you when the at-fault driver has no insurance.
What is full coverage auto insurance in Florida?
Full coverage refers to carrying both collision and comprehensive coverage in addition to required PIP and PDL. Most lenders require full coverage on financed or leased vehicles.
How can I lower my auto insurance rate in Florida?
Comparing multiple quotes is the most reliable way. FishHawk Insurance Center compares rates across multiple Florida-licensed carriers and identifies every available discount.