What Does ‘Full Coverage’ Auto Insurance Really Mean in Florida?

Posted on by isomgroup

What Does “Full Coverage” Auto Insurance Really Mean in Florida?

If you’ve ever called around for car insurance quotes, you’ve probably asked:
“Can I get a quote for full coverage?”
Here at The Isom Insurance Group, we hear that question every day. And while it’s a great place to start, let’s clear up what “full coverage” really means—especially here in Florida.

🚗 Full Coverage = Not a Real Policy Type

Let’s be honest: there’s no actual insurance policy called “full coverage.”
It’s an informal term that usually refers to a combination of:

  • Liability coverage (required by law)
  • Comprehensive coverage (non-collision: theft, weather, vandalism)
  • Collision coverage (damage to your car from a crash)

Think of it as the basics + protection for your own car.

💡 Florida-Specific Requirements

Florida only requires:

  • $10,000 in Personal Injury Protection (PIP)
  • $10,000 in Property Damage Liability (PDL)

That’s bare minimum. It won’t fix your car if you’re at fault, and it definitely won’t help if you cause a major accident. That’s why most people ask for “full coverage”—because they want peace of mind.

🛠 What’s Usually Missing From “Full Coverage”?

Most Florida drivers are surprised to learn that “full coverage” may still exclude:

  • Uninsured/Underinsured Motorist (UM/UIM)
  • Roadside assistance
  • Rental reimbursement
  • Gap coverage

In fact, 1 in 5 drivers in Florida are uninsured. If they hit you and you don’t have UM/UIM? You could be left footing the bill.

🧾 The Best Coverage is Personalized Coverage

At The Isom Insurance Group, we don’t just plug in your info and spit out a quote. We take time to learn about:

  • How far you drive
  • Your vehicle’s value
  • Whether you commute, drive for Uber, or just run errands
  • What kind of financial protection you’re comfortable with

And because we’re independent, we shop multiple carriers like Progressive, Travelers, and Allstate to get you the best deal for your needs.

👋 Final Thoughts

“Full coverage” can mean different things to different people. Don’t assume it’s a catch-all—you deserve a policy that actually protects what matters to you.

We’re based in Polk County and proudly serve drivers across the entire state of Florida.

👉 Click here to request a custom quote now.

Need help? Talk to a real person who cares. Call us today or send us a message—we’re here for Florida drivers just like you.