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Florida Autoowners with auto insurance coverage

Auto Insurance in Florida

Whether you drive a used vehicle in Florida or a fresh one off the assembly line, you'll need auto insurance coverage. If you're new to the state, it's important you learn about mandatory and voluntary insurance options. At Seascape Insurance Group Inc. in Apalachicola, FL, we can help you make wise auto insurance decisions to suit your budget and lifestyle. The following auto insurance basics for Florida will help you get started:

Mandatory Coverage

In order to register your vehicle in Florida, you need the following coverage:

  • Personal Injury Protection (PIP) – helps cover the cost of injuries you may sustain in an accident, regardless of the driver at fault.
  • Property Damage Liability (PDL) – helps cover damages to other drivers’ vehicles or property if you’re found at fault of an accident.

The minimum requirement for each of these types of coverage is $10,000.

Optional Coverage

Besides mandatory coverage, you can obtain optional car insurance to protect your vehicle and interests in the event of accidents. Such coverage includes:

  • Bodily Injury Liability (BIL) - helps cover the cost of injuries to other drivers in accidents you cause. As Florida is a no-fault state, this coverage is optional. If you have a record of causing accidents, however, you may be obligated to obtain this coverage due to the risk you pose to others on the road.
  • Collision & Comprehensive Insurance – helps cover damages to your vehicle from crashes, inclement weather, theft, and vandalism.
  • Uninsured Motorist Insurance – helps cover damages to your vehicle if you’re hit by a driver with insufficient coverage.

Your auto insurance coverage should coincide with your driving habits and lifestyle. If you frequently drive or drive for long distances, you’ll want maximum protection on the road. If you own a new car, you'll want coverage that fully protects your investment. At Seascape Auto Insurance Group Inc., we can customize your policy for greater effectiveness and cost. Call or visit us in Apalachicola, FL today for all your auto insurance needs.


  • Bankers
  • Safeco
  • St.John
  • Travelers
  • Universal
  • UPC