Geico Auto Insurance: Available In Florida?

GEICO offers auto insurance in Florida, with agents in cities such as Fort Myers, Miami-Fort Lauderdale, and Pensacola-Fort Walton Beach. The company provides coverage for various vehicles, including cars, motorcycles, boats, and RVs. Florida has specific auto insurance requirements, including bodily injury coverage, property damage coverage, uninsured motorist coverage, and personal injury protection. GEICO helps Florida drivers navigate these requirements and choose the appropriate coverage for their needs.

GEICO's Florida auto insurance coverage

GEICO offers auto insurance in Florida, with experienced agents across the state ready to help you. The company provides quality protection for your car, motorcycle, boat, RV, ATV, PWC, condo, and more.

Florida has specific auto insurance requirements that drivers need to be aware of. The state requires drivers to have auto insurance coverage, and there are certain minimum coverage requirements. These include bodily injury coverage, property damage coverage, uninsured motorist coverage, and personal injury protection. The minimum coverage requirements in Florida are as follows:

• $10,000 per person and $20,000 per accident for bodily injury coverage.
• $10,000 per accident for property damage coverage.
• $10,000 per person and $20,000 per accident for uninsured motorist coverage.
• Personal injury protection.

It is important to note that Florida is a No-Fault state, which means that each driver involved in an accident relies on their own car insurance provider to pay for subsequent costs, regardless of who is at fault.

GEICO offers various benefits to its customers, including an average annual savings of $700+, car insurance discounts personalized for the customer, 85 years of experience in the insurance industry, and a 97% customer satisfaction rating. The GEICO Mobile app also provides easy access to claims and your policy, as well as roadside assistance.

With GEICO, you can get a free Florida car insurance quote online and compare it with other companies to ensure you are getting the best coverage for your needs.

Discounts on auto insurance in Florida

GEICO offers several discount opportunities for car insurance, including savings for good students with a grade average of B+ or above, federal employees, or safe drivers.

In addition, you may be able to get car insurance discounts for features that are standard on newer cars, such as having airbags and anti-lock brakes.

You could also save money by combining property insurance with your car insurance policy or bundling auto insurance with other products such as homeowner's and renter's insurance.

Defensive driving discounts are also available, although age restrictions may apply.

Other ways to save on car insurance include considering vehicle safety features and reviewing existing car insurance coverages.

It is worth noting that car insurance rates in Florida can be influenced by a variety of factors, including individual circumstances and external variables, which can result in a wide range of premium prices.

Florida's car insurance laws

Minimum Insurance Requirements:

Florida law mandates that all drivers carry certain amounts of car insurance. The minimum requirements in Florida are:

• Property Damage Liability (PDL): This coverage pays for damage to another person's property caused by you or someone driving your insured vehicle. The minimum requirement is $10,000 per accident.
• Personal Injury Protection (PIP): PIP coverage is mandatory in Florida and provides protection regardless of who is at fault in an accident. It covers medical expenses and lost wages up to a certain limit. The minimum requirement is $10,000 per person.

The No-Fault Law:

Florida is a no-fault state, which means that in the event of an accident, each person's own insurance will cover their medical expenses, regardless of who is at fault. This is where PIP coverage comes into play. While PIP covers your own injuries, it does not cover pain and suffering, and you may need to seek legal action for additional compensation.

The Financial Responsibility Law:

This law requires certain high-risk drivers to carry full liability auto insurance coverage. This includes drivers with a history of at-fault accidents, excessive points on their license, a DUI, or a revocation due to serious or repeated offenses.

Penalties for Driving Without Insurance:

Driving without the proper auto insurance in Florida can result in steep penalties. Failure to show proof of insurance can lead to the suspension of your driver's license and vehicle registration for up to three years. If you cause an accident without insurance, you may be responsible for significant financial costs.

Optional Coverages:

While Florida only mandates PDL and PIP, there are several optional coverages that you can add to your policy for more comprehensive protection:

• Bodily Injury Liability: This coverage pays for the medical expenses of those injured in an accident caused by you. While not mandatory in Florida, it is a good idea to have this coverage due to the low amounts of PIP required by the state.
• Collision Coverage: This covers damage to your vehicle if you collide with another vehicle or object (excluding animals).
• Comprehensive Coverage: This protects your vehicle against non-collision damages, such as theft, weather damage, or hitting an animal.
• Medical Payments Coverage: This helps pay for the medical expenses of you and your passengers beyond what is covered by PIP.
• Roadside Assistance: This provides assistance if your vehicle breaks down, including fixing flat tires, jump-starting batteries, and towing services.
• Uninsured/Underinsured Motorist Coverage: This protects you if you are hit by a driver who does not have insurance or does not have enough insurance to cover the damages.

Florida's auto insurance requirements

Florida's minimum insurance requirements are as follows:

• $10,000 in property damage liability (PDL) insurance. PDL coverage pays for damage to another person's property caused by the insured vehicle.
• $10,000 in personal injury protection (PIP) insurance. PIP insurance covers medical expenses and lost wages, regardless of who is at fault in an accident.

It is important to note that Florida is a "no-fault" state, which means that each person pays for their own accident expenses, regardless of who is at fault. However, if an accident causes more damage or injuries than your insurance policy covers, the affected party has the right to sue for damages.

While these are the minimum requirements, it is generally recommended that drivers consider additional coverage for more comprehensive protection. For example, bodily injury liability insurance can protect you if someone is injured or killed due to your negligence in a car accident. Collision insurance covers damage to your own vehicle in an accident, and comprehensive insurance covers non-collision-related damage, such as that caused by floods or theft.

Additionally, Florida has specific requirements for vehicles with a current Florida registration:

• The vehicle must be insured with PIP and PDL insurance at the time of registration.
• There must be a minimum of $10,000 in PIP and $10,000 in PDL coverage.
• The insurance coverage must be continuous, even if the vehicle is not being driven or is inoperable.
• The insurance policy must be purchased from a carrier licensed to do business in Florida.
• The vehicle must maintain Florida insurance coverage throughout the registration period, regardless of its location.

Contacting GEICO in Florida

GEICO offers auto insurance in Florida, and its agents are ready to help you with any queries you may have. GEICO's experienced insurance agents are located across Florida and can be reached in person or over the phone. They can help answer your questions about car insurance in Florida, and they are one of the reasons Florida drivers choose GEICO for their auto insurance.

You can also reach GEICO's customer service agents through their website via live chat, email, or by using the GEICO Mobile app. The app allows you to track and manage your claims, make payments, and access your digital ID cards.

If you need roadside assistance, you can request it online or through the GEICO Mobile app. GEICO also has a Claims Express page that allows you to access your claim securely.

GEICO's website has a dedicated page for finding a GEICO Insurance Agent in Florida. You can select your city, such as Miami-Fort Lauderdale, Pensacola-Fort Walton Beach, or Tampa-St. Petersburg, to locate your closest insurance agent.

Florida has specific car insurance requirements, and GEICO can help you understand these and get a free quote.

Frequently asked questions