Auto Liability Insurance for Daytona Beach, Florida 

Auto liability insurance is a type of car insurance that may cover damage you cause to others in an accident, including property damage and bodily injuries. Unlike other coverage types that financially protect your vehicle, liability insurance focuses on the financial risks you might pose to other drivers, passengers and property owners.

How Does Auto Liability Insurance Work?

If you or anyone driving your car with your permission is found at fault in an accident, auto liability insurance may pay for damage you’re legally responsible for. The policy is divided into two main components: bodily injury liability and property damage liability. 

Property damage liability is required in Florida, and bodily injury liability is highly recommended.

Each policy includes coverage limits, which are the highest amounts your insurance provider may cover. Any expenses beyond those limits fall on you, so selecting a policy with sufficient coverage is crucial.

How Much Does a Policy Cost?

The cost of auto liability insurance varies per policy—insurers often base rates on factors like your location, driving history, vehicle type and coverage limits. For example, drivers with a clean record in rural areas may pay less than those in cities with high traffic or accident rates. Higher coverage limits will also increase your premium but may prevent you from paying significant out-of-pocket costs in a major accident. Consult an insurance agent and compare quotes from multiple providers to find coverage that best suits your requirements.

Learn More

Iten Insurance Agency offers expert guidance on auto insurance. Our agents are ready to help you find the optimal policy. Contact us today to get a personalized quote.