Auto insurance in Florida
Florida roads call for real protection, not just the legal minimum. As an independent agency, we compare auto insurance from several insurance companies and explain your options in plain English or Spanish.
New to auto insurance? Start with the basics
This short video walks through how auto insurance works and the common coverage types. It's general education, not specific to Florida law or to Citadel Insurance Group's policies — we'll go over Florida's requirements with you directly.
The video plays on YouTube. Citadel Insurance Group isn't affiliated with the video's creator.
What it can cover
- Personal injury protection (PIP), required in Florida
- Property damage liability, required in Florida
- Bodily injury liability, if you injure someone in an accident
- Uninsured and underinsured motorist coverage
- Collision, and comprehensive for theft, flood and falling objects
- Rental reimbursement and roadside assistance, where available
Good to know in Florida
- Florida requires at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability for most private passenger vehicles.
- Bodily injury liability isn't required for most drivers, but without it you could be personally responsible for someone else's injuries.
- Uninsured motorist coverage helps pay for your injuries when the at-fault driver has little or no insurance.
- If you finance or lease your car, your lender will usually require collision and comprehensive.
How Citadel Insurance Group helps
Tell us what you need
Call, chat or send a quote request. We'll ask a few questions about you and what you want to protect.
We compare insurance companies
As an independent agency, we compare coverage from several insurance companies and explain the differences in plain language.
We stay with you
After you buy, we help with policy changes, renewals and claims questions.
Questions and answers
Is PIP still required in Florida?
Yes. As of 2026, Florida still requires personal injury protection (PIP) and property damage liability. Bills to repeal the no-fault law did not pass. We'll let you know if the law changes.
Is the state minimum enough?
The minimum keeps you legal, but it doesn't pay for injuries you cause to others or for damage to your own car. We'll show you what higher limits and extra coverage would add.
What do I need for a quote?
The drivers in your household, your vehicles (year, make and model) and your current policy if you have one. We'll go over the details by phone; please don't send license numbers through the website.
Ready to compare?
A licensed agent will contact you, ask a few questions and compare options with you, in English or Spanish.
Other insurance we offer
- Home insurance
- Condo and renters insurance
- Flood insurance
- Boat insurance
- Business insurance
- Workers' compensation
- Health insurance
- Life insurance
- Medicare plans
Descriptions on this page are general information, not a policy or a promise of coverage. Every policy is subject to the insurance company's underwriting, terms, conditions and exclusions. Not every product or company is available to every applicant.