Florida drivers with financed vehicles — you're required to carry full coverage. Get covered now: (855) 460-3330
📞 (855) 460-3330

Full Coverage Auto Insurance in Florida

Your lender requires it. Your new car deserves it. Our licensed Florida agents find you the right full coverage policy — fast, no runaround.

✓ Same-day coverage ✓ All FL carriers compared ✓ Licensed agents ✓ Financed & leased vehicles

Get Your Free Quote

Takes under 5 minutes. No obligation.

Call a licensed agent now
(855) 460-3330
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Coverage comparison

What full coverage actually protects

Most Florida drivers don't realize how exposed they are on minimum coverage until something goes wrong. Here's the difference.

Minimum Coverage
State Minimum Only
✓
PIP — $10,000Your medical bills only
✓
Property Damage — $10,000Damage you cause to others
✕
Your vehicle damageNot covered — you pay out of pocket
✕
Theft or vandalismNot covered
✕
Weather damageHurricane, flood, hail — not covered
✕
Uninsured motoristFlorida has 20%+ uninsured drivers
Full Coverage
Complete Protection
✓
PIP + Higher LiabilityMore protection for you and others
✓
Collision CoverageRepairs your vehicle after any accident
✓
Comprehensive CoverageTheft, vandalism, weather, animals
✓
Uninsured MotoristProtected if the other driver has no insurance
✓
Rental ReimbursementCar rental covered while yours is repaired
✓
Lender Requirements MetSatisfies all bank & dealer requirements
Who needs full coverage

Is full coverage right for you?

If any of these apply to you, full coverage isn't optional — it's essential.

🏦

Financed Vehicle

Your lender legally requires full coverage for the life of your loan. No exceptions.

🚗

New or Late-Model Car

Replacing a new car out of pocket after an accident is financially devastating without collision coverage.

📋

Leased Vehicle

Lease agreements always require full coverage. Driving without it violates your lease terms.

🌀

Florida Weather Risks

Hurricanes, flooding, and hail are facts of life in Florida. Comprehensive coverage protects you.

⚠️

High Traffic Areas

Florida has the 3rd most car accidents in the US. Collision coverage is essential protection.

🚫

Uninsured Drivers

Over 20% of Florida drivers are uninsured. Uninsured motorist coverage protects you from them.

How it works

Get covered in three steps

No waiting. No back-and-forth. Just licensed agents who know Florida auto insurance inside out.

1

Call or Submit

Call (855) 460-3330 or fill out the form above. A licensed Florida agent answers — not a call center.

2

We Compare Rates

We shop every major Florida carrier simultaneously to find you the best full coverage rate available.

3

Get Covered Today

Choose your policy and get your insurance ID card emailed the same day. Coverage starts immediately.

Common questions

Full coverage — answered honestly

How much does full coverage auto insurance cost in Florida?
Full coverage in Florida typically runs $180–$380 per month depending on your vehicle, driving record, age, and ZIP code. Florida is one of the more expensive states due to high accident rates and weather risks — but as an independent broker, we compare every major carrier to find you the most competitive rate. Call us for your exact quote.
Do I have to carry full coverage if my car is financed?
Yes — without exception. Your lender or bank requires you to carry both collision and comprehensive coverage for the entire life of your loan. If you drop to minimum coverage, your lender can legally force-place insurance on your vehicle at a far higher cost.
What's the difference between collision and comprehensive coverage?
Collision covers damage to your vehicle from accidents — whether you hit another car, a guardrail, or a pothole. Comprehensive covers everything else: theft, vandalism, fire, flooding, hurricanes, falling objects, and animal strikes. Full coverage includes both.
Can I get same-day full coverage in Florida?
Yes. Call (855) 460-3330 and our agents can bind your full coverage policy and email your insurance ID card the same day — often within the hour. If your dealership or lender needs proof of insurance today, we can make that happen.
When should I drop from full coverage to minimum coverage?
The general rule: if your vehicle is worth less than 10x your annual premium, minimum coverage may make financial sense. But if your car is financed, leased, or less than 8 years old, full coverage is almost always the smarter choice. Our agents can run the numbers with you.
Does full coverage include uninsured motorist protection?
Not automatically — uninsured motorist coverage is optional in Florida but strongly recommended. Over 20% of Florida drivers carry no insurance. If an uninsured driver hits you, your own UM coverage is what pays for your injuries and vehicle damage. We recommend adding it.

Ready to get properly covered?

Licensed Florida agents. Every major carrier compared. Same-day coverage.

(855) 460-3330
Available Monday – Friday · 10:00 AM – 6:00 PM EST