Auto insurance rules are different in Florida and Texas, and the right policy depends on your vehicles, your drivers and how much protection you want beyond the legal minimum. As an independent agency, we compare options from several insurance companies and explain the differences before you choose.
What Florida requires
Florida is a no-fault state. If you own a vehicle with four or more wheels registered in Florida, you must carry at least:
- $10,000 personal injury protection (PIP), which pays part of your own medical costs and lost wages after a crash, regardless of who caused it.
- $10,000 property damage liability (PDL), which pays for damage you cause to someone else’s property.
Bodily injury liability is not part of the basic requirement for most drivers, but without it you can be personally responsible for injuries you cause to others. Many drivers add bodily injury liability and uninsured motorist coverage for that reason. We can show you the price difference between minimum and fuller coverage.
What Texas requires
Texas is an at-fault state. Drivers must carry liability coverage of at least:
- $30,000 for injuries per person,
- $60,000 for injuries per accident, and
- $25,000 for property damage per accident.
Insurers in Texas must also offer personal injury protection and uninsured/underinsured motorist coverage. You can decline them, but only in writing, so it is worth understanding what they cover before you decide.
Coverage you can add
- Collision: repairs to your vehicle after a crash, whoever is at fault.
- Comprehensive: theft, hail, flooding, fire, falling objects and animal strikes.
- Uninsured and underinsured motorist: protects you when the other driver has little or no insurance.
- Medical payments: additional medical coverage for you and your passengers.
- Rental reimbursement and roadside assistance: help while your vehicle is being repaired or when you break down.
If you have a car loan or lease, your lender will usually require collision and comprehensive coverage.
What affects your price
Each insurance company weighs things differently, which is why comparing carriers matters. Common factors include where the vehicle is garaged, the vehicles and how they are used, each driver’s history, the coverage limits and deductibles you choose, and any gaps in previous insurance. Discounts can apply for things like bundling home and auto, safe-driving history or paying in full; availability depends on the carrier.
Ways to lower your premium without losing protection
- Choose deductibles deliberately: a higher deductible usually lowers the premium but raises what you pay after a claim. Pick an amount you could cover tomorrow.
- Match coverage to the vehicle: an older car you own outright may not need the same physical damage coverage as a newer or financed one.
- Ask about discounts: bundling, safe driving and paying in full are common, but each carrier offers its own set.
- Consider usage-based pricing: telematics programs base part of the price on how you actually drive. Ask whether one fits you.
- Compare again at renewal: carriers change their pricing over time, so a quick review each year can be worthwhile.
Why request your auto quote through Dupuy Insurance
- Several carriers, one conversation: we compare options instead of offering a single company’s policy.
- Florida and Texas: licensed in both states, so we can explain each state’s rules.
- A person to talk to: call or text and speak with an agent, then get help later with changes, ID cards and claims questions.
Call (813) 447-7534, Monday to Sunday, 7:30 AM to 7:30 PM, or request a quote online.
How getting a quote works
- Tell us about your drivers, vehicles and current coverage, online or by phone.
- A licensed agent compares options from the carriers we work with.
- We walk you through the choices, including what changes if you raise or lower limits and deductibles.
Have your driver’s license numbers, vehicle identification numbers (VINs) and your current policy’s declarations page handy; it makes the comparison faster and more accurate.
Common questions
Is the state minimum enough?
It meets the law, but it may not cover the full cost of a serious accident. Minimum limits can be used up quickly by medical bills or a newer vehicle’s repair cost, and you may be responsible for the rest. We can price several levels so you can decide.
What does “full coverage” mean?
It’s a common phrase, not an official type of policy. It usually means liability plus collision and comprehensive. Tell us what you want protected and we’ll show you what that coverage includes and costs.
Can I keep my current policy while I compare?
Yes. Keep your current coverage in force until a new policy starts, so there is no gap.
Do you insure drivers with tickets or accidents?
Usually, yes. We work with standard carriers and with companies that specialize in drivers with tickets, accidents or coverage gaps. In Florida, the state’s assigned-risk plan is also available for drivers other markets decline. Tell us your situation and we’ll check which options are available.
Do you also insure work vehicles and trucks?
Yes. Vehicles used for business usually need a commercial policy. See commercial auto insurance and commercial truck insurance.