Florida drivers face more than just traffic. They deal with floods, tropical storms, and a high number of uninsured motorists. That’s why “full coverage” goes beyond the basic required coverages. It’s a term that refers to a combination of liability, collision, and comprehensive coverage. Florida law requires bodily injury*, property damage, uninsured motorist*, and personal injury protection (PIP) coverage, but many drivers opt for “full coverage” to protect themselves from repair costs, natural disasters, and significant out-of-pocket expenses. It’s important to note that while “full coverage” offers broader protection it does not cover everything.
“Full coverage” refers to a bundle of coverages that go beyond the state’s liability minimums to offer broader protection for your car and wallet. It's not a single policy but a personalized bundle to fit your needs and budget.
“Full coverage” in Florida is usually a mix of:
Though not required in Florida, adding collision and comprehensive coverage can help cover your own vehicle in a wider range of scenarios. These protections are especially valuable in Florida, where weather risks, dense traffic, and accident rates can drive up repair costs.
If you’re leasing or financing a car, full coverage is often required. Otherwise, it’s an optional upgrade that could save you thousands in the event of an accident.
Florida is a no-fault state, which means drivers must carry Personal Injury Protection (PIP) coverage. PIP helps pay for medical expenses, lost wages, and essential services regardless of who caused the accident.
In Florida, drivers are required to carry $10,000 in PIP coverage. With GEICO, it pays out quickly after an accident and can reduce delays in getting treatment.
In Florida, liability insurance is legally required. It helps cover injuries or damages that you have caused to others in an accident. Coverage includes:
Florida drivers must carry at least $10,000 per person and $20,000 per accident in bodily injury liability, plus $10,000 in property damage coverage.
Not every driver in Florida may have insurance. Having uninsured motorist coverage can help protect you from having to cover the costs yourself.
Florida drivers can typically choose between:
With the right uninsured motorist coverage, you’ll be ready to handle the aftermath of an accident and get back on the road. GEICO can help you build a policy that keeps you protected, even if the other driver isn’t.
If you only have the basic coverage requirements, you won’t benefit much if your car is also damaged. For that, you may need:
These coverages help protect your vehicle from the unexpected. If your car gets damaged or stolen, you won’t have to take on the full cost of repairs or replacement out of pocket.
Medical coverage helps protect you and your passengers from the financial burden of injuries after an accident. In Florida, this is especially important due to the state's no-fault insurance system.
“Full coverage” gives you strong protection, but it doesn’t cover you for everything. If your car is damaged while parked illegally, or if a claim isn’t properly documented, it might not be covered by your policy. Understanding what’s excluded, helps you stay fully prepared.
Florida does not require “full coverage” car insurance for all drivers. Liability coverage is the only car coverage that is required, which helps pay for damages or injuries you cause to others. “Full coverage” is often a lender requirement if you’ve financed or leased your vehicle.
Florida is a no-fault state. This means that your own insurance will help pay for medical expenses after an accident, regardless of who caused it. With frequent severe weather, high accident rates, and a large number of uninsured drivers, many Florida drivers choose full coverage for better financial protection.
“Full coverage” is a great foundation to protect you and your car, but GEICO also offers several optional add-ons to make your policy even more tailored to your needs.
These extras can give you a wider range of protection and less to worry about on the road.
GEICO offers smart savings so that “full coverage” doesn’t have to mean full price:
Getting a car insurance quote in Florida is quick and easy with GEICO. Our quote process is designed to be simple, whether you're online or working with a local agent.
Answer a few quick questions, and we’ll help you customize a policy that fits your Florida driving needs. Our agents are ready to help.