Florida car insurance, with David Diaz-Fernandez

Know every line before you pay.

I compare the carriers our agency writes with and show you every line of the policy, in plain English, before you pay. No fee to shop, no pressure.

Text David

About 2 minutes. Scan your license or link your current insurance to go faster.

Sample quote · figures are illustrative

Example carrier

6-month policy · quoted for one driver, 33157

$1,284for 6 months · about $214/mo

Personal injury protectionFL required$10,000 · $0 ded.
Your medical bills after a crash, at 80%, no matter who caused it. See a doctor within 14 days.
Property damage liabilityFL required$100,000
Damage you cause to other people’s cars and property.
Bodily injury liability$100k / $300k
Injuries you cause to others. Florida doesn’t require it; without it, their claim is aimed at you.
Uninsured motorist$100k / $300k
Your injuries when the other driver has no coverage.
Comprehensive and collision$500 ded.
Your own car after a crash, flood, theft or falling tree.
GapNot included
Your loan is bigger than the car is worth. If it’s totaled, you’d owe the difference.

7 carrierscompared on every quote
English y españolevery message and call
No feeto shop or to switch
Every lineexplained before you pay

Start with your ZIP

One form. Seven carriers. Every line explained.

No license number needed to quote
Your info goes to David, not to a call center or a lead list
Quotes come back fast by text or email. At the dealership and need insurance now? Quotes in minutes

How it works

Tell me what you needA new policy, a better rate, a new car or a new driver. Scan, link or type: about two minutes.
I shop the carriersProgressive, GEICO, Travelers, Bristol West, National General, Kemper and United, whichever fit your ZIP, car and record.
You read every line, then pickYour quotes come as plain-English receipts by text or email. Pick one, or ask about any line.

Straight answers

All guides →

Florida law

What is the minimum car insurance in Florida in 2026?

Florida requires every registered car to carry $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL). That's it: Florida does not require bodily injury liability to register a car, which is why so many drivers here carry only the minimum.

5 min readChecked 2026-11-06

Coverage explained

Florida PIP explained: the 14-day rule, the $2,500 cap and what it really pays

Florida PIP pays 80% of your medical bills and 60% of lost income, up to $10,000, no matter who caused the crash. But you must get medical care within 14 days of the accident, and the full $10,000 is only available if a doctor diagnoses an emergency medical condition. Without that diagnosis, PIP medical is capped at $2,500.

4 min readChecked 2026-11-05

Coverage explained

Uninsured motorist coverage in Florida: do you need it?

Yes, for most Florida drivers. Because Florida doesn't require bodily injury liability, many drivers on the road have no insurance money to pay for your injuries. Uninsured motorist (UM) coverage pays you when they can't, including in hit-and-runs.

3 min readChecked 2026-11-06

Life events

Moving to Florida: how to switch your car insurance and register your car

Once you become a Florida resident (start a job, enroll a child in school, or move in), you have 10 days to register your car, and you need a Florida insurance policy before the tax collector will register it. Get the Florida policy first, register second, cancel the old policy last.

4 min readChecked 2026-11-06

Save money

How to lower your car insurance in Florida in 2026

Florida auto rates are finally dropping: the state's top five auto insurance groups filed average decreases of about 8% for 2026, after about 7.4% for 2025. But your renewal won't always show it. The fastest way to capture it is to compare carriers at renewal, then adjust deductibles and discounts. Cutting coverage is the last lever, not the first.

4 min readChecked 2026-11-05

Life events

Insurance for a leased or financed car in Florida

If you lease or finance, Florida's minimum isn't enough: your lender requires collision and comprehensive, usually with deductibles of $1,000 or less, and many leases also require higher liability limits such as 100/300/50. The dealer won't release the car until your insurance is in place, so get the quote before you go to sign.

3 min readChecked 2026-11-06

Carriers I compare

All carriers →

Progressive

Drivers who want to compare a usage-based discount and a wide range of add-ons.

How Progressive prices Florida drivers →

GEICO

Drivers with clean records who manage everything in an app.

How GEICO prices Florida drivers →

Travelers

Homeowners who want to bundle and households with several cars.

How Travelers prices Florida drivers →

Kemper

Drivers with a ticket, crash, lapse or a non-standard history.

How Kemper prices Florida drivers →

Bristol West

Drivers who need an SR-22, have a lapse, or have a ticket or crash on their record.

How Bristol West prices Florida drivers →

National General

Drivers who want flexible payment plans, and many non-standard situations.

How National General prices Florida drivers →

United Auto

Florida drivers looking for a lower-cost policy, including the state minimum.

How United Auto prices Florida drivers →

Who you’ll be talking to

Hi, I’m David

Before insurance, I spent nine years as a top seller at Land Rover and Rolls-Royce dealerships. Now I work out of the Pini Insurance office in Palmetto Bay, and Progressive recognized me as one of its top producers in Florida in 2025 and 2026.

I started iSellPolicies to do insurance the other way around: explain first, then quote, then let you decide. If your current policy is the better deal, I’ll tell you.

More about David → · How we get paid →

Office: Pini Insurance, Palmetto Bay
Recognition: A top Progressive producer in Florida, 2025 and 2026
Languages: English and Spanish
Hours: Mon to Sat, 9 am to 7 pm
Fastest way to reach him: Text (305) 301-2648

From the Pini Insurance Google page

What David’s customers say

★★★★★

David at PINI Insurance is outstanding! He’s thorough, responsive, and ensures I fully understand my coverage and choices. I highly recommend him and the whole team PINI Insurance—big thanks to them!

Ricardo J. · Google review, June 2026

★★★★★

Laudyz and David were awesome! Explained everything thoroughly and found the best rates. Great service!

Heather G. · Google review, October 2026

★★★★★Great price

This is the best insurance company by a landslide! Without even asking David and Kristy reached to me with a quote that lowered by monthly insurance rate by almost half! I’ve never had someone actually look out for us and work on our behalf. It’s usually the opposite. Very grateful for this team and intend on being a lifelong client.

Kelly M. · Google review, June 2026

Read all the reviews →

Questions people ask first

Something else? Text David. You’ll get a straight answer, even if it’s “keep the policy you have.”

Read the guides →

What is the minimum car insurance in Florida?

$10,000 of PIP and $10,000 of property damage liability. Florida doesn’t require bodily injury liability to register a car.

Does it cost anything to get a quote?

No. The insurance company pays our agency a commission if you buy; you pay no separate fee.

Do you need my license number?

Not for a quote. The insurer asks for it when you pick a quote and apply.

Can I switch in the middle of my policy?

Yes. Your old insurer refunds unused premium, minus any cancellation fee in its policy. David lines up the new start date so there’s no gap.