Florida Auto Insurance

Comprehensive coverage for Tampa Bay drivers. Compare quotes from multiple carriers and save.

Why Auto Insurance Matters in Florida

Florida requires all drivers to carry minimum liability coverage. But smart drivers protect themselves with comprehensive policies.

⚖️ Florida Law Compliance

Florida requires $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). We'll make sure you meet state requirements.

🛡️ Beyond Minimum Coverage

Minimum coverage often isn't enough. We help you understand Bodily Injury, Comprehensive, Collision, and Uninsured Motorist protection.

💰 Multi-Carrier Comparison

We shop multiple insurance carriers to find you the best rate. One quote request, multiple competitive options.

Coverage Options We Offer

Liability Coverage

Covers injuries and property damage you cause to others. Florida minimum is $10k PDL, but we recommend higher limits.

Personal Injury Protection (PIP)

Required in Florida. Covers medical expenses for you and your passengers regardless of fault. Minimum $10,000.

Collision Coverage

Pays for damage to your vehicle from accidents, regardless of who's at fault. Especially important for newer vehicles.

Comprehensive Coverage

Protects against non-collision events: theft, vandalism, weather damage, hitting an animal. Essential in Florida's severe weather.

Uninsured/Underinsured Motorist

Protects you when hit by a driver with no insurance or insufficient coverage. Not required but highly recommended in Florida.

Medical Payments Coverage

Covers medical expenses beyond PIP limits for you and your passengers after an accident.

Why Choose Conservator Insurance?

Fast Quotes

Get competitive quotes in under 60 seconds. No waiting, no hassle.

🏆

40+ Years Experience

Family-owned agency serving Tampa Bay since 1984.

📞

Local Support

Real people who answer the phone and know Florida insurance.

💵

Multi-Carrier Options

We shop multiple carriers to find your best rate and coverage.

Common Auto Insurance Questions

What's the minimum auto insurance required in Florida?

Florida requires $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). However, these minimums often aren't enough to fully protect you financially.

How can I lower my auto insurance premium?

Consider higher deductibles, bundle with home insurance, maintain good credit, ask about discounts (safe driver, multi-car, good student), and compare quotes from multiple carriers.

What affects my auto insurance rate in Florida?

Your driving record, age, vehicle type, credit score, coverage limits, deductibles, annual mileage, and location all impact your premium.

Do I need uninsured motorist coverage?

While not required in Florida, it's highly recommended. About 1 in 5 Florida drivers are uninsured. This coverage protects you if you're hit by an uninsured driver.

How much liability coverage should I carry?

While Florida only requires $10k PDL, we recommend at least $100,000/$300,000 bodily injury liability and $100,000 property damage to protect your assets in a serious accident.

Ready to Get Your Auto Quote?

Compare rates from multiple carriers in 60 seconds

Get Your Free Quote →