Call Now📞 (855) 460-3330
Call Now📞 (855) 460-3330
Answers to the most common questions Florida drivers ask about car insurance.
Florida law requires all registered vehicle owners to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida is a no-fault state, meaning your own insurance covers your injuries regardless of who caused the accident.
If your vehicle is registered in Florida, you are required to maintain insurance at all times, even if you rarely drive. Canceling your insurance without surrendering your tags can result in license suspension and fees.
Yes. Call (855) 460-3330 and our licensed agents can bind your policy and email your insurance ID card the same day — often within the hour.
Driving without insurance in Florida can result in suspension of your driver's license and vehicle registration, a reinstatement fee of up to $500, and being required to file an SR22 certificate for 3 years.
Our licensed agents can answer any Florida insurance question.
📞 Call (855) 460-3330Florida auto insurance rates vary widely. For minimum coverage (PIP + PDL), expect to pay $80–$140 per month. Full coverage typically runs $180–$320 per month depending on your vehicle, ZIP code, driving record, and age. Call us for an exact quote.
Florida has some of the highest auto insurance rates in the country due to high population density, frequent accidents, a large number of uninsured drivers, hurricane risks, and extensive insurance fraud. Shopping with an independent broker like Insurance Medics helps ensure you are getting the most competitive rate available.
The most effective ways to lower your premium include: choosing minimum coverage if your car is paid off, maintaining a clean driving record, bundling with renters or homeowners insurance, paying your premium in full, and shopping your policy every 6 months. As an independent broker, we compare rates across multiple carriers every time.
Yes. Some carriers offer low or no deposit options. Call (855) 460-3330 and our agents will check what no-deposit or low down payment options are available for your specific situation.
Paying annually is typically 5–15% cheaper than paying monthly. However, we understand cash flow is a concern for many drivers and we offer flexible monthly payment plans as well.
Full coverage typically includes Florida's required PIP and PDL, plus collision coverage (damage to your car from an accident) and comprehensive coverage (damage from theft, weather, fire, or other non-collision events). It may also include uninsured motorist coverage, roadside assistance, and rental reimbursement depending on your policy.
Personal Injury Protection (PIP) covers up to $10,000 in medical expenses and lost wages for you and your passengers after an accident, regardless of who was at fault. Florida law requires all drivers to carry $10,000 in PIP coverage.
Florida does not require uninsured motorist (UM) coverage, but it is strongly recommended. Florida has one of the highest rates of uninsured drivers in the country. If you are hit by an uninsured driver, UM coverage protects you from paying out of pocket.
Standard Florida policies do not automatically include rental reimbursement. This is an optional add-on that we can include in your policy. Call us to check if your current policy includes rental coverage.
An SR22 is not an insurance policy — it is a certificate of financial responsibility that your insurance company files with the Florida DHSMV on your behalf. It proves you carry the state's required minimum auto insurance. Learn more about SR22 in Florida →
Florida requires FR44 (not SR22) for DUI/DWI convictions. FR44 requires higher liability limits ($100,000/$300,000 bodily injury and $50,000 PDL) compared to a standard SR22. Our agents handle both SR22 and FR44 filings.
Most Florida SR22 requirements last 3 years. The exact duration depends on your specific violation. Our agents can confirm the requirement period when you call.
Yes. We file SR22 certificates electronically the same day. Call (855) 460-3330 and our agents can have your SR22 filed within hours of your call.
Non-owner SR22 is for drivers who need to reinstate their license but do not own a vehicle. It provides liability coverage when driving someone else's car and satisfies the SR22 requirement. This is typically the most affordable SR22 option.
SÃ. Tenemos agentes bilingües disponibles para ayudarte en español. Llama al (855) 460-3330 y pide un agente en español.
La cobertura mÃnima en Florida cuesta entre $80 y $140 por mes. La cobertura completa cuesta entre $180 y $320 por mes. Llama para obtener una cotización exacta para tu situación. Ver más información en español →
En muchos casos sÃ. Llama al (855) 460-3330 y explÃcanos tu situación. Trabajamos con conductores en diversas circunstancias.
SÃ. Radicamos SR22 y FR44 el mismo dÃa, con atención completamente en español.
Yes. Insurance Medics is a fully licensed independent insurance brokerage based in Davie, FL with over 33 licensed agents. We are licensed to sell auto, home, commercial, and health insurance throughout Florida.
As an independent brokerage, we work with multiple carriers to find you the best rate. We are not tied to any single insurance company, which means we always shop on your behalf for the most competitive price available.
The fastest way is to call us directly at (855) 460-3330. Our agents can give you a quote in under 5 minutes. You can also fill out the form on our Contact page and we will call you back promptly.
Our agents are available Monday through Friday, 10:00 AM to 6:00 PM Eastern Time. Call (855) 460-3330 during business hours for immediate assistance.
Our licensed Florida agents are standing by to help.
📞 Call (855) 460-3330