Florida Auto Insurance from a 5-Star Independent Agency
Florida’s registration minimums — $10,000 of personal injury protection and $10,000 of property damage liability — are a floor for keeping a tag, not a plan for protecting a household. The real decisions sit above that line — we compare 6+ Florida auto carriers so you can see what each one costs.
Auto coverage at a glance
Florida auto insurance has a legal floor: $10,000 of personal injury protection and $10,000 of property damage liability keep a car registered (s.627.733, s.324.022). It says nothing about injuries you cause to someone else, and nothing about your own car. Every decision that shapes real protection for a household sits above that line — and comparing 6+ Florida auto carriers shows what each one costs before you choose.
Cornerstone Insurance is a family-owned and operated Trusted Choice® independent personal lines agency writing in every county in Florida. We represent many carriers rather than one: your cars, trucks, minivans, and SUVs are quoted across multiple highly rated Florida markets, and every policy your household carries can live in one place.
Step 1
Get A Quote
A licensed Florida agent asks about your cars, your drivers, and how you use them — the details that move an auto quote.
Step 2
Review Your Options
Because we’re independent, your quote is priced across 6+ Florida auto carriers — options side by side, trade-offs in plain English.
Step 3
Switch with Ease
We handle the paperwork with you, help wrap up your previous coverage cleanly, and stay one call or text away as cars and drivers change.
The Legal Floor: What Florida Requires to Register a Car
Personal injury protection (PIP) is the no-fault half of the floor — designed to pay 80% of reasonable, medically necessary expenses and 60% of lost gross income after a crash, regardless of fault, up to a combined $10,000. One deadline matters: initial medical care must begin within 14 days of the crash (s.627.736).
Property damage liability (PDL) is the other half — damage your car causes to others’ property, designed to pay up to its limit, with a $10,000-per-crash floor (s.324.022). One crash can involve several vehicles, which is why many households carry higher PDL limits. Both coverages must stay in force continuously for as long as the car has a tag (s.627.733) — and everything else on an auto policy is a choice.
Florida Auto Insurance Coverage, Built Above the Floor
Nothing in the floor pays for injuries you cause or repairs your own car — those jobs belong to the coverages here, each subject to your policy’s terms and worth choosing deliberately with your agent.
Bodily injury liability (BI). Not required to register a car for most drivers — but under the financial responsibility law (chapter 324), an at-fault crash with injuries and no BI can mean a suspended license, tag, and registration, with the damages still yours to pay (s.324.051). BI is designed to stand between a crash and what you’ve built, usually with a legal defense included.
Uninsured / underinsured motorist (UM/UIM). Because BI isn’t required for registration, some drivers around you carry little or none of it. UM/UIM is designed to step in for you and resident family members when an at-fault driver has no coverage or not enough — medical costs and lost income beyond what PIP handles. Carriers must include it with any BI policy unless you reject it in writing (s.627.727); the FAQ below compares its stacked and non-stacked forms.
Medical payments (MedPay). PIP is designed to pay 80% of covered medical bills; MedPay is designed to help with the share PIP leaves behind, for you and your passengers, no fault required.
Collision. Designed to repair or replace your own car after a crash, whoever caused it, minus your deductible. No statute requires it — on a financed or leased car, the lender typically does.
Comprehensive. The non-collision side: theft, vandalism, broken glass, fire, falling limbs, animal strikes, and storm damage — including water — subject to your deductible.
GAP coverage. When a financed or leased car is totaled, the loan balance and the car’s actual cash value are rarely the same number — GAP is designed to help with the difference.
Rental reimbursement and roadside. Optional pieces designed to help with a rental car while yours is repaired after a covered loss, and with a tow when a trip ends on the shoulder.
Each is a decision with a price on it — and each of our 6+ Florida auto carriers prices cars, drivers, and coverage choices differently, so comparing them shows what stepping up a limit really costs.
Multi-Car Households, Bundles, and the Layer Above
Multi-car households have the most to compare. Several cars and drivers on one policy multiply every rating decision, and each carrier weighs the mix its own way — so the spread between quotes widens as a household grows. Multi-car discounts may apply, and the stacked UM/UIM choice carries more weight with several vehicles.
Home + auto is the classic pairing. Placing your Florida homeowners insurance and auto through one agency keeps everything in one place, and pairing them with the same carrier may qualify you for multi-policy discounts on both sides — we quote the bundle and the split side by side, and our Florida homeowners insurance guide covers the home half.
An umbrella adds a layer above both. A personal umbrella policy is designed to add liability protection in one-million-dollar layers above your auto and home limits — quoted across 5+ umbrella carriers in the same conversation.
Motorcycles live outside this policy. Florida’s no-fault law defines a motor vehicle as having four or more wheels (s.627.732), so PIP doesn’t apply to motorcycles — a bike needs its own motorcycle policy, with its own medical and liability decisions.
Frequently Asked Questions About Florida Auto Insurance
Do I really need car insurance in Florida?
To keep a car registered, yes — $10,000 of personal injury protection and $10,000 of property damage liability, in force continuously (s.627.733). A lapse can bring driver-license and registration suspension, with reinstatement fees from $150 up to $500 for repeat lapses (s.324.0221), and a financed or leased car usually adds the lender’s requirements for collision and comprehensive. Beyond the legal side: a crash can total a car you still owe money on, and injuries you cause are yours to answer for.
Is bodily injury liability coverage required in Florida?
Not for registration, for most drivers — Florida is unusual that way. Responsibility for the injuries you cause remains: an at-fault crash without BI can bring license, tag, and registration suspension under the financial responsibility law (ch. 324, s.324.051) unless claims are released, security is deposited, or judgments are satisfied — with the damages still yours to pay. That’s why BI is the coverage responsible Florida households carry anyway, at limits chosen deliberately with an agent.
How much auto insurance coverage do I need?
There’s no formula — the decisions to make deliberately with your agent are your bodily injury and property damage limits, your UM/UIM limits and whether they stack, and how you protect the cars themselves: collision, comprehensive, and GAP on anything financed. A useful frame for liability: as much protection as you qualify for and can comfortably afford, remembering a judgment can reach future earnings as well as current savings. Seeing what each step costs across 6+ Florida auto carriers usually makes the choice easier.
What is stacked vs. non-stacked UM/UIM coverage in Florida?
With stacked UM/UIM, the limits on the vehicles you insure combine — two cars with $100,000 of UM each means up to $200,000 of protection in a covered claim. Non-stacked keeps the single per-vehicle limit however many cars share the policy, and the signed election that sets it up permits certain coverage limitations the stacked form doesn’t carry (s.627.727). Neither is right for every household — they’re two ways of buying the same protection, priced differently, and the law requires non-stacked premiums to run at least 20% lower. We can price your quote both ways so you see the difference in dollars.
Which car insurance carriers do you work with?
We quote across 6+ Florida auto carriers. The lineup itself moves with the market — companies enter and leave Florida — so instead of publishing names, we run your actual cars and drivers through every auto market we hold and show you the results side by side.
What other types of insurance do you offer?
Most of what a Florida household insures, through one independent agency: