3 Changes to Make to Your Florida Auto Insurance in 2025

Every driver should review their Florida auto insurance in 2025. Taking the time to reassess your policy allows you to identify gaps in coverage, adjust your limits, and ensure you’re prepared for any unexpected challenges on the road.

The start of a new year is the perfect time to take stock of your financial and personal goals, and that includes reviewing your auto insurance policy. As roads become busier and repair costs continue to climb, ensuring your coverage keeps pace with these changes is essential—especially for Florida drivers.

According to Florida Highway Safety and Motor Vehicles (FHSMV) reports, there were more than 350,000 car accidents in Florida in 2024. Of those crashes, more than 225,000 people suffered injuries and 2,423 people died. Florida auto insurance is your lifeline if you are ever involved and/or injured in a car accident in Florida. From medical bills, vehicle repairs, and lost wages, the financial impact of an accident can be devastating.

Florida’s no-fault insurance system requires all drivers to carry personal injury protection (PIP) coverage, which helps cover medical expenses regardless of fault. However, in more serious accidents, the costs can quickly exceed PIP limits. According to the National Safety Council, the average cost of a serious car accident is $162,000. Having robust auto insurance ensures that you are financially protected and can recover from the physical and financial toll of an accident without additional stress.

Three updates to make to your Florida auto insurance in 2025

Reviewing your auto insurance policy annually is essential to ensure you have the coverage you need. Life circumstances, vehicle values, and repair costs can change significantly over time. Additionally, insurance companies frequently adjust their offerings, and you may discover discounts or new options that better fit your needs. Our Florida accident attorneys identify three critical changes every Florida driver should make to their auto insurance policy in 2025.

1. Increase your liability coverage limits

Liability insurance covers the cost of damages or injuries you cause to others in an accident. While Florida requires minimum liability coverage, these limits often fall far short of what’s needed in a serious accident. For example, the state’s minimum bodily injury liability requirement is $10,000 per person and $20,000 per accident. Considering the rising costs of medical care and vehicle repairs, these amounts are often inadequate.

If you’re involved in an accident and your liability coverage doesn’t cover the damages, you could be held personally responsible for the remaining costs. Increasing your liability coverage limits provides a financial safety net and can help you avoid lawsuits or significant out-of-pocket expenses. Talk to your insurance provider about higher limits, such as $100,000/$300,000, to ensure you’re adequately protected.

2. Add or increase your uninsured/underinsured motorist coverage

Florida has one of the highest rates of uninsured drivers in the country. According to the Insurance Research Council (IRC), 20.4% of Florida drivers are uninsured, which is one in five drivers. Why is this significant? If you are injured in an accident that was not your fault, but the other driver doesn’t have insurance, you will have to pay either through your premiums or out-of-pocket.

Uninsured/underinsured motorist (UM/UIM) coverage steps in to pay for your medical bills, lost wages, and other expenses if you’re hit by a driver with insufficient or no insurance. Given the state’s high number of uninsured drivers and the potential for devastating costs following an accident, adding or increasing UM/UIM coverage is critical. This coverage is especially important if you’re relying on personal injury protection (PIP), as PIP benefits are limited and may not fully address your needs in severe accidents.

3. Evaluate your comprehensive and collision coverage

Comprehensive and collision coverage protects your vehicle from damages regardless of who is at fault. Collision coverage pays for repairs to your car after an accident, while comprehensive coverage handles non-collision incidents like theft, vandalism, or weather-related damage. Given the rising costs of repairs due to more expensive parts and labor, having adequate coverage can save you thousands of dollars in unexpected expenses.

When evaluating comprehensive and collision coverage, consider the age and value of your vehicle. For newer or higher-value vehicles, maintaining robust coverage is a wise investment. If your car is older and has a lower market value, you might decide to lower these limits or drop the coverage altogether. However, weigh the potential costs of repair or replacement carefully before making changes.

Review your Florida auto insurance to ensure you’re protected in 2025

Updating your auto insurance policy may not be the most exciting resolution for the new year, but it’s one of the most impactful ways to protect yourself and your financial future. By increasing liability limits, adding or enhancing UM/UIM coverage, and reviewing comprehensive and collision options, you can drive with greater peace of mind in 2025.

Injured in an accident? Call one of Florida’s most trusted law firms

For over 40 years, Hoskins, Turco, Lloyd & Lloyd has helped thousands of accident victims navigate the legal and financial challenges of serious auto crashes. Whether you’re injured in a car accident, truck accident, motorcycle accident, or bike or pedestrian accident, we will fight tirelessly to ensure you get the support, care, and compensation you deserve. We’ve recovered more than $500 million in settlements for our clients and have over 500 5-star Google reviews. We have the experience, expertise, and exceptional client service to help you get the justice and results you deserve.

Contact us today for a FREE case review by calling 866-930-6435