Opened your Florida car insurance renewal and your rate jumped — no accident, no ticket, nothing changed? You're not imagining it. Here's what's actually driving premiums up, and the steps you can take to push back.

Florida only requires $10K PIP and $10K PDL to register your car — but one at-fault accident can leave you owing tens of thousands out of pocket. Here's what the state minimums actually cover, and what we recommend instead.