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4400 Highway 20 East, Suite 312
Niceville, FL 32578

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Your Personal Guide to Florida Auto Insurance

Auto insurance in Florida is legally required for all drivers operating vehicles on city, state, and municipal roads. This means that all Florida drivers and drivers from out of state who use Florida highways, byways, turnpikes, and toll roads must have adequate insurance to cover the costs of an accident. 

Why You Need Auto Insurance 

Auto insurance is a financial protection designed to help drivers offset the unexpected costs of financial damages, vehicle replacements, medical bills, and lawsuits that can arise as a result of a car accident. 

People who get caught driving without insurance in Florida are subject to traffic tickets, fines, and even imprisonment. Don’t get caught driving without car insurance in Florida. Contact our licensed auto insurance agents at Love Insurance Services in Niceville, FL for a free quote today. 

Florida Auto Insurance Basics

Unlike many other US states, Florida is a "no-fault" insurance state. This means that Florida drivers are required to have state minimum auto insurance coverage for personal injury, property damage, bodily injury, and medical expenses. 

Florida Liability Insurance vs. Comprehensive and Collision Coverage 

When you get auto insurance in Florida, you can opt for general liability coverage that protects you and your vehicle based on Florida state minimum insurance coverage. 

You can also extend your auto insurance coverage by adding on additional policy features like comprehensive collision coverage which extends the limits of your policy. This slightly more expensive form of auto insurance coverage adds benefits that help cover the cost of repairing or replacing your vehicle if it is damaged in an accident.

We Can Help

A licensed insurance agent at Love Insurance Services in Niceville, FL can provide a free quote with pricing details based on your vehicle, driving history, and your auto insurance score. Reach out to us today!

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