Auto Insurance in Florida – FAQs
Manchester Insurance – Serving the Treasure Coast & All of Florida
Choosing the right auto insurance in Florida can feel complicated with so many coverage options and state-specific requirements. We created this FAQ page to help you understand the basics so you can make informed, confident decisions.
Below are the most common questions we hear from drivers in Stuart, Port St. Lucie, Jensen Beach, Palm City, Hobe Sound, Vero Beach, and across Florida.
1. What auto insurance coverage is required in Florida?
Florida requires two main coverages:
PIP (Personal Injury Protection)
Property Damage Liability
While these meet the state’s minimum requirements, many drivers choose higher limits and additional coverage for better financial protection. We review options with you based on your driving habits, vehicle type, and risk tolerance.
2. Should I carry Bodily Injury Liability (BI)?
BI coverage is not required by the state, but it is one of the most important additions to your policy. BI can help protect your assets if you’re responsible for injuries in an accident. Many lenders, umbrella policies, and financial advisors recommend carrying BI for adequate protection.
3. What is Uninsured/Underinsured Motorist coverage, and why is it important?
UM/UIM helps protect you and your passengers if you're hit by someone who has little or no insurance. Because Florida has a high number of underinsured drivers, this coverage is often considered essential. We walk through the options and limits to help you decide what fits best.
4. What factors impact my auto insurance rate?
Common rating factors include:
Driving history
Vehicle make and model
Annual mileage
Garaging location
Prior insurance history
Age and driver profile
Coverage selections
Claims history
As an independent agency, we compare rates from multiple carriers to find the right match for your situation.
5. Can I save money by bundling my auto and home insurance?
Yes. Many Florida drivers qualify for substantial bundle discounts. Bundling often lowers both home and auto premiums, making it one of the easiest ways to save without reducing coverage.
6. Does my policy cover a rental car?
Most Florida auto policies extend coverage to rental vehicles used for personal reasons. Coverage varies by carrier, so we confirm how your specific policy applies before you rent a car and help you understand what protections may or may not carry over.
7. What happens if someone else drives my car?
In many cases, insurance follows the vehicle, meaning your policy may offer coverage if another person drives your car with permission. However, rules differ between insurers. We review these details with you to ensure you know what applies.
8. What is comprehensive and collision coverage?
Comprehensive helps cover non-collision losses such as theft, vandalism, weather, or hitting an animal.
Collision helps cover damage resulting from a crash with another vehicle or object.
Both usually come with deductibles, and these coverages may be required if your car is financed or leased.
9. Can you help insure teen drivers, new drivers, or high-risk drivers?
Yes. We work with multiple carriers that offer options for:
Teen and young adult drivers
Drivers with accidents or violations
Senior drivers
Occasional-use drivers
We help match each driver’s profile with a carrier suited to their needs.
10. Why choose Manchester Insurance for auto coverage?
Manchester Insurance is an independent, Treasure Coast-based agency representing 40+ insurance carriers. That means you receive personalized guidance, multiple options, and straightforward explanations—without the pressure of a one-carrier model.
Our focus is helping you select auto coverage that fits Florida’s unique driving environment and your personal needs.
Ready to Compare Auto Insurance Rates?
Whether you're adding a new vehicle, reviewing your coverage, or looking for better pricing, we're here to help.
Call us or request a quote online for fast, friendly service from a local agency you can trust.