Auto insurance in Brandon, FL
Auto insurance pays for injuries and damage after a crash and keeps your license and registration valid. Florida's legal minimum is unusually thin, so the choices you make beyond it decide how well you are protected.
What it covers
What auto insurance includes.
Personal injury protection (PIP)
Required. Pays 80% of your medical bills and 60% of lost wages up to $10,000, whoever caused the crash.
Property damage liability
Required. Pays for damage you cause to someone else's vehicle or property, with a $10,000 minimum.
Bodily injury liability
Optional at registration, but it is what pays when you injure someone else. Without it your own assets are exposed.
Uninsured motorist
Pays your injuries when the driver at fault has no injury coverage or too little.
Collision and comprehensive
Repair or replace your own car after a crash, theft, flood, hail or a falling tree.
Extras
Medical payments, rental car reimbursement, roadside help and gap coverage for financed vehicles.
Florida specifics
What Florida drivers need to know
Last reviewed October 9, 2026.
- To register a car you need $10,000 of personal injury protection and $10,000 of property damage liability. Florida remains a no-fault state.
- The legal minimum includes no coverage for injuries you cause to other people.
- About one in five Florida drivers (20.6%) has no insurance, which is why uninsured motorist coverage matters here.
- PIP pays medical bills only if you get treatment within 14 days of the crash.
- Coverage must stay in force for as long as the car has a Florida plate, even if you are not driving it. A lapse can suspend your license and registration, with a reinstatement fee of $150 to $500.
- After a DUI, Florida requires an FR-44 filing with limits of $100,000 per person, $300,000 per crash and $50,000 property damage for at least three years.
- After certain at-fault crashes or lapses, an SR-22 filing is required for three years.
- New residents who take a job in Florida or enroll children in school have 10 days to register and insure their vehicle here.
How we help
What you get from a local independent agency.
- We quote several insurers in one conversation. Prices for the same driver vary widely between companies.
- We place drivers that online quote forms turn away: SR-22 and FR-44 filings, lapses, tickets and non-owner policies.
- We explain the choices that are easy to get wrong, such as bodily injury limits and stacked or non-stacked uninsured motorist coverage.
- We provide proof of insurance for lenders and the DMV.
- We re-shop your policy at renewal.
Common questions
Auto insurance questions.
What car insurance is required in Florida?
To register a vehicle with four or more wheels you need $10,000 of personal injury protection and $10,000 of property damage liability, from an insurer licensed in Florida.
Has Florida repealed no-fault or PIP?
No. Bills to repeal the no-fault law were filed in 2025 and 2026 and did not pass. PIP is still required.
Do I need bodily injury liability?
It is not required to register a car, but it is the coverage that pays when you injure someone else. It becomes mandatory after certain crashes and convictions. Most drivers should carry it.
What is the difference between SR-22 and FR-44?
Both are certificates your insurer files with the state, not types of insurance. An SR-22 certifies standard liability limits, usually for three years. An FR-44 follows a DUI and requires much higher limits.
Should I stack uninsured motorist coverage?
Stacked coverage multiplies your limit by the number of vehicles on the policy and follows you into any vehicle. It costs more. Non-stacked coverage gives one limit. We will show you the price of each.
What happens if my insurance lapses?
The state can suspend your license and registration until you show proof of coverage and pay a reinstatement fee. Surrender the plate before you cancel a policy on a car you no longer drive.
Does my policy cover rideshare or delivery driving?
Personal policies usually exclude driving for hire. Ask us about a rideshare endorsement or a commercial policy.
How soon should I see a doctor after a crash?
Within 14 days. PIP medical benefits are payable only if initial treatment happens in that window.
Other insurance we arrange
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