Category · 7 articles

Florida Insurance Basics

Plain-talk guides on florida insurance basics to help you make smarter calls about your Florida car insurance.

Does Florida Require Insurance Before Registration?

Does Florida Require Insurance Before Registration?

Yes, Florida requires active PIP and PDL from a Florida-licensed insurer before you can register a car. But the costly mistake isn't getting insured, it's canceling afterward. Here's how it works.

Apr 22, 2026
How Car Insurance Works for Leased Vehicles in Florida

How Car Insurance Works for Leased Vehicles in Florida

Discover how car insurance works for leased vehicles in Florida. Essential info for leaseholders.

Feb 6, 2026
Florida Motorcycle Insurance Requirements

Florida Motorcycle Insurance Requirements

Florida's motorcycle insurance requirements can be somewhat perplexing due to its unique set of rules.

Jan 13, 2026
Florida Insurance Requirements for New Residents

Florida Insurance Requirements for New Residents

New to Florida? You have just 10 days to register your car, and your out-of-state policy won't qualify. Here's exactly what Florida requires, the deadlines that catch newcomers, and the right order to do it in.

Dec 23, 2025
Difference Between PIP and MedPay in Florida

Difference Between PIP and MedPay in Florida

PIP is required in Florida and pays 80% of your medical bills. MedPay is the optional add-on that covers what PIP leaves behind. Here's how they differ and when MedPay is worth it.

Dec 9, 2025
What PIP Covers in Florida (And What It Doesn’t)

What PIP Covers in Florida (And What It Doesn’t)

Florida requires $10,000 of PIP, but it only pays 80% of your medical bills, has a 14-day deadline, and won't touch the other driver. Here's what PIP really covers, what it doesn't, and the gaps that catch people.

Dec 5, 2025
Average Car Insurance Cost in Florida by City

Average Car Insurance Cost in Florida by City

Florida is one of the priciest states to insure a car, and your city matters as much as your driving. Here's roughly what major Florida cities pay, why the gaps are so wide, and how to pay less.

Dec 1, 2025