Do I need extra insurance when renting a car in Florida?

No, you do not need rental car insurance in Florida. Rental car companies in Florida provide the minimum state-required liability insurance coverage, more specifically, they provide $25,000 in property damage liability coverage per accident. Florida requires drivers to carry personal injury protection (PIP), too.



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If you don't already own a car with insurance, rental companies automatically cover the bare minimum in your state. However, if you want more protection, or if you're traveling abroad or for business purposes, you might need to get rental car insurance.

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Understanding the Disadvantages of Renting a Car
  • There is no hired driver. One of the most significant disadvantages of renting a car is it doesn't come with a driver. ...
  • High prices. ...
  • Strict terms and conditions. ...
  • Unfamiliarity with the vehicle. ...
  • Responsibility for any mishaps. ...
  • Less time to relax and enjoy.


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You can rent a car with a $300 credit limit, but it depends on the amount of time you plan on renting the vehicle and the type of vehicle you're renting.

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Avoid These Costly Rental Car Mistakes
  • Mistake #1: Buying Extra (Unnecessary) Insurance. ...
  • Mistake #2: Not Refilling the Gas Tank Yourself. ...
  • Mistake #3: Not Using Discount and Coupon Codes. ...
  • Mistake #5: Turning Away Award Points or Miles. ...
  • Mistake #6: Paying for a GPS or Extra Services.


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