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What is Considered Full Coverage Auto Insurance in Florida?

Source: Merrill Burchell, Car Insurance Writer

@merrill_burchell 08/04/21

In Florida, full coverage car insurance is considered either the minimum insurance coverage required by Florida law or a policy that protects drivers in most circumstances, depending on whom you ask. There is no specific definition of full coverage auto insurance in Florida, despite the popularity of the term.

What Full Coverage Means in Florida

Lawyers often use the term “full coverage” to mean the bare minimum protection required by law. In Florida, that equals $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL).

Insurance companies and laymen are more likely to use “full coverage” to mean a policy that protects drivers from most types of losses. Such a policy might include Florida’s mandatory PIP and PDL plus bodily injury liability, collision and comprehensive, medical payment, and uninsured/underinsured motorist coverage. Those are the most important types of insurance you can buy in Florida. Other coverages such as roadside assistance, rental reimbursement, and new car replacement programs are considered supplemental.

Do You Need Full Coverage Insurance in Florida?

Full coverage auto insurance, in the commonly used sense, may not cover every possible loss, but it should keep you from being financially ruined if you’re involved in a major accident. Not every Floridian needs every type of insurance that can be included in a full coverage policy, however.

For example, it may not be worth buying collision or comprehensive for an older vehicle that has lost much of its value. On the other hand, uninsured/underinsured motorist coverage is especially important to have in Florida, where 27% of drivers on the road have little or no insurance.

It’s a good idea to review your insurance options every six months to a year, before your next policy renewal. Your coverage needs and financial situation can change over time, and you want to be sure your insurance keeps pace.

Need more information on your options for insuring your Florida vehicle, or, would you like us to provide you a Florida Insurance Quote? Please visit our website at

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