Fernandina Beach drivers spend a lot of time on A1A, US-17 and I-95, and the right auto policy matters the moment something goes wrong. Southend Insurance helps you compare car insurance options so you get coverage that fits how you drive and what you can afford.
Whether you're insuring your first car, adding a teen driver, or bundling several vehicles, we walk through each coverage with you instead of just quoting the state minimum.
What auto insurance can cover
- Bodily injury and property damage liability
- Personal injury protection (PIP)
- Uninsured and underinsured motorist coverage
- Collision and comprehensive coverage
- Rental reimbursement and roadside assistance
- Discounts for bundling home and auto
Good to know in Florida: Florida sets its own minimum auto requirements, and those minimums rarely cover the cost of a serious accident. Florida also has one of the highest rates of uninsured drivers in the country, so uninsured motorist coverage is worth a close look.
Florida's minimum auto insurance
Florida requires every registered car to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. Bodily injury liability isn't required for most drivers, so the state minimum doesn't pay for injuries you cause to someone else.
Many drivers choose bodily injury limits of $100,000 per person and $300,000 per accident, with uninsured motorist coverage at matching limits. We'll help you pick numbers that fit what you own.
Auto Insurance FAQs
How much auto insurance do I need in Florida?
Florida law sets minimum requirements, but most drivers need more than the minimum to protect their savings and property. We'll help you choose liability limits that match your assets and budget.
Can I save by bundling home and auto?
Usually, yes. Many carriers offer multi-policy discounts when you insure your home and vehicles together. We'll compare bundled and separate options for you.
Does my auto policy cover a rental car?
It depends on your policy. Rental reimbursement coverage pays for a rental while your car is being repaired after a covered claim. Ask us to check your current policy.