MY CAR INSURANCE KEEPS GOING UP! What can I do if my Florida car insurance policy is too expensive? I can't afford it!

by Attorney Carolina Nunez, Esq.

Are you feeling overwhelmed by your rising Florida car insurance rates?

Florida car insurance policy rates are sky-high in 2025. If you are a Florida resident, don’t run to an insurance agent or go into your online account to reduce your policies without knowing what to watch out for.

Before making any changes to your auto insurance premiums -- it is a good idea to know what is in your car insurance policy. That way, you can see what coverages you can change that fits your economic and liability coverage. Aside from potentially getting ticketed, letting your car insurance lapse can lead you to being injured without being able to cover medical bills or getting personally sued if you or a family member caused a car accident.

The Rising Cost of Florida Car Insurance in 2025

Factors Contributing to Increased Premiums

• The uptick in Florida's car insurance rates can be attributed to several factors, including the state's high number of uninsured drivers, frequent natural disasters, and the rising costs of vehicle repairs.

• Inflation has caused many Floridians to struggle with groceries, energy bills, mortgages, and more.

• When times are tough, households look for ways to pay for immediate needs and cut costs, including car insurance policies.
  

Comparing Florida's Rates to National Car Insurance Rate Averages

Recent statistics show that Florida car insurance premiums are approximately 30% higher than the national average.

Why Knowing Your Policy Matters More Than Ever

Protection Against Financial Hardship

• In the event of an accident, the right insurance policy can be the difference between a manageable situation and severe financial distress.

• If you or the other driver are uninsured or under-insured after a Florida car accident, then the cost of medical bills and lost time at work can be overwhelming.

• Understanding the components of your policy—such as liability coverage, personal injury protection, and comprehensive coverage—is crucial to mitigate costs associated with car accident injury medical bills or lost time at work.
  

Key Components of a Comprehensive Policy

• A comprehensive Florida car insurance policy typically includes coverage for damage to your vehicle, theft, natural disasters, and more.

• Knowing these details can help you decide what level of coverage is necessary for your situation, potentially saving you money without compromising on essential protections.
  

A Quick Guide to Auto Insurance Policies

What to Look for in Your Policy

• Understanding the specifics of your policy, including coverage limits, deductibles, and exclusions, is essential.

• This knowledge can help you make informed decisions about your insurance needs and budget.

The Importance of Double-Checking Your Coverage

• Always double-check your policy details through your insurer's portal.

• This step ensures that you're fully aware of your coverage and any gaps that might exist.

PIP Coverage

• Personal Injury Protection is also called PIP coverage, insures the policyholder and passengers in their own vehicle for medical bills and wages due to missed work after Florida car accident, regardless of fault.

• There is usually $10,000 of PIP in the average Florida policy.

• While this may sound like a lot, we all know that medical bills are expensive and this coverage may not be enough after an auto accident injury

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PDL Coverage

• Along with PIP, Florida drivers are also required to have Property Damage Liability coverage, or PDL.

• PDL covers damages to someone else's property in the event of an accident.

• This coverage protects you in case you are found at fault after a Florida car accident and cause damage to someone else's property.

Optional Florida Auto Insurance Policy Coverage

• Your optional coverage can be used in the unfortunate event where the negligent driver was not insured at the time of the accident or if your injuries and damages are more than the policy limits.

• This is why it is extremely important for you to add on optional coverage to have peace of mind.

BIL Coverage

• Bodily Injury Liability coverage, or BIL, helps pay for medical bills and damages for others if you cause an accident in Florida.

• This coverage is especially important if you have assets that could be at risk in case of a car accident lawsuit.

• If you are a business owner or have substantial assets -- it is very important for you to consider adding this coverage in the event you are personally sued.

UM/UIM Coverage

• Uninsured/Underinsured Motorist coverage, or UM/UIM, is also an optional auto insurance coverage in Florida.

• This coverage protects you in case you crash with a driver who doesn't have insurance or simply doesn't have enough insurance to cover the damages.

• This UM/UIM can also kick in when you have been victim to a hit and run.

• Here, at The Law Offices of Carolina Nunez, P.A. -- we have fought hard for clients that have been victims in Florida hit and runs and ultimately demanded that the insurance companies provide the maximum possible compensation.

Comprehensive and Collision Coverage

• Comprehensive and Collision coverage are options to consider if you want to fully protect your own car.

• Comprehensive Florida auto insurance coverage protects against property damage costs, theft, and in some cases, hurricanes.

• Collision coverage, on the other hand, differs as it covers damages to your vehicle from a collision with another car or object.

• In Florida, we are all too familiar with flooding, hurricane damage, and other natural disasters. If you can swing the cost, then the additional coverage would be smart to keep.

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Why Hiring the Right Attorney Matters After a Florida Car Accident

If you're injured in a Florida car accident, you need a lawyer familiar with Florida personal injury law. The last thing you want is an attorney that can't turn a Word document into a PDF without needing help (it happens a lot more than you think!).  

At The Law Offices of Carolina Nunez, P.A. we can help. We are conveniently located in Winter Park near Orlando, serving all of Florida. ​We offer both online and in-person appointments.​ Hablamos Español.

Save Time and Stress – If you don't like the phone, you can always reach out online with our Easy Online Case Evaluation Form

If you prefer to call us: 407-900-FIRM 

Frequently Asked Questions (FAQ)

Why are auto insurance rates increasing in Florida?

• The rise in auto insurance rates in Florida can be attributed to several factors, including the state's high number of uninsured drivers, frequent natural disasters, and rising vehicle repair costs.

• Additionally, many insurance agencies are choosing to leave the state (2025 has not been a fun year for homeowners in Florida).

How do Florida's auto insurance rates compare to the national average?

• Auto insurance premiums in Florida are approximately 30% higher than the national average.

• Yep, tourism is a factor but they are not the main reason -- weather is playing a big role in insurance companies leaving the state. Don't get too mad at them when driving through the outlet parking lot.

  
  

What is Personal Injury Protection (PIP) and why is it important?

• Personal Injury Protection (PIP) covers the insured and passengers in their own vehicle for medical expenses and lost wages in case of an auto accident, regardless of who is at fault.

• It is a crucial component of your insurance policy in Florida, offering an additional layer of financial security.

What should my auto insurance policy in Florida include?

• Your policy should include important details such as coverage limits, deductibles, and exclusions.

• Understanding these details will help you make informed decisions that fit both your needs and your budget.

What is Uninsured/Underinsured Motorist coverage (UM/UIM)?

• UM/UIM coverage protects in the event of an auto accident with a driver who either has no insurance or insufficient insurance to cover the damages.

• This optional coverage in Florida is highly recommended, especially given the possibility of encountering uninsured drivers.

Is it important to add optional coverages to my policy?

• Yes, optional coverages like Bodily Injury Liability (BIL) and Comprehensive and Collision coverage can be critical for providing additional protection in various situations, such as a serious auto accident or natural disasters.

• These coverages allow you to tailor your policy to provide the level of security you need.

How can I ensure my insurance coverage is adequate?

• It's essential to regularly review the details of your policy through your insurer's portal and consult with a legal professional specializing in auto insurance, like The Law Offices of Carolina Nunez, P.A.

• This ensures you are fully aware of your coverage and allows you to adjust it as your needs or situation changes.

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Carolina Nunez, Esq. is an Orlando auto accident attorney at The Law Offices of Carolina Nunez, P.A.

With our personalized service, we have helped clients feel heard and understood after a Florida accident.