Auto Insurance in Florida for Everyday Drivers

Coverage for Florida Roads

Built for the Way People Drive Here

Driving in Florida comes with its own rhythm. Heavy traffic on I-95, I-295, and I-4, fast-growing suburbs, and frequent wind-and-rain events can turn a normal commute into a real risk day. Auto insurance is there to cover injuries and damage after an accident, and to keep a tough moment from becoming a financial setback.


GM Insurance Underwriters helps Florida drivers compare policies from strong carriers so you can choose coverage that makes sense for your vehicle, your budget, and your habits. Whether you are commuting across Jacksonville, driving between St. Johns County and the city, or traveling regularly to Orlando or Tampa Bay, we will guide you to a plan that fits how and where you drive.

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What Florida Auto Policies Include

Liability, Protection for Your Car, and More

A Florida auto policy includes the state-required liability coverage, but most drivers benefit from additional protections that cover medical costs, vehicle damage, and accidents with uninsured drivers.

Bodily injury liability

Property damage liability

Personal Injury Protection (PIP)

Collision coverage for damage from an at-fault accident

Comprehensive coverage for theft, weather, or non-collision losses

We’ll walk you through each option in plain language and help you choose limits and deductibles that match your driving habits. Whether you have a newer vehicle, a teen driver, or a long commute, we tailor the policy to fit your actual risk.

Discounts and Smart Packaging

Ways Florida Drivers Control Cost

Auto premiums can vary widely in Florida, but there are practical ways to keep pricing in check. We look for discounts tied to safe driving history, multiple vehicles, good student drivers, and security features. One of the biggest opportunities is pairing your auto policy with homeowners or condo insurance through the right carrier.


Because GM Insurance Underwriters is independent, we can shop options instead of locking you into one company’s pricing cycle. If rates move at renewal, we will review alternatives with you.

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Common Questions from Florida Drivers

  • What are the minimum auto insurance requirements in Florida?

    Florida drivers must carry personal injury protection and property damage liability. Many drivers add higher liability limits and uninsured motorist coverage for stronger protection.

  • Does auto insurance cover hurricane or flood damage?

    Comprehensive coverage can cover many storm-related losses like wind or falling debris. Flood damage is usually handled through a separate flood policy depending on the situation, so we will walk you through the details if your vehicle is at risk.

  • Can you insure multiple cars and drivers on one policy?

    Yes. We can set up multi-vehicle policies and help you structure coverage for households with several drivers.

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