Florida Auto Insurance

Florida law requires every registered vehicle to carry at minimum $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Those state minimums sound straightforward, but they rarely cover the real cost of a serious accident. With more than 250,000 crashes a year on Florida roads and medical bills that climb quickly, the right auto policy is the difference between a manageable headache and a financial crisis.

As an independent agency, Rahman Insurance isn't tied to any single carrier. We compare quotes from Progressive, GEICO, Travelers, Kemper, Dairyland, Bristol West, Foremost and more — then walk you through the differences in plain English so you can choose with confidence.

• Bodily Injury Liability (BI): Pays for injuries you cause to others.
• Property Damage Liability (PDL): Pays for damage you cause to someone else's car or property.
• Personal Injury Protection (PIP): Florida no-fault coverage for your own medical bills.
• Uninsured / Underinsured Motorist (UM/UIM): Critical in Florida where ~20% of drivers carry no insurance.
• Collision: Repairs your vehicle after an accident, regardless of fault.
• Comprehensive: Covers theft, vandalism, hail, flooding, fallen branches and animal strikes.
• Medical Payments: Extra layer of medical coverage beyond PIP.
• Rental Reimbursement & Roadside Assistance.
• SR-22 filings after a license suspension or DUI — often same day.

We write policies for everyday commuters, rideshare drivers, classic car owners, high-mileage families, brand-new drivers and folks with less-than-perfect records. Multi-car households almost always save by bundling. If you also need home, condo, renters, motorcycle, boat or umbrella coverage, we can stack those discounts together.

• Bundle auto with home, condo or renters insurance.
• Raise your collision/comprehensive deductibles if you have an emergency fund.
• Add safe-driving telematics where it makes sense.
• Re-shop your renewal every year — rates change carrier by carrier.
• Ask about paid-in-full, paperless, homeowner and good-student discounts.