Florida Rental Car: Choose the Right Insurance & Save
Exploring Florida by car lets you experience the Sunshine State at its best. Whether it’s relaxed drives along the coast, spontaneous detours into the Everglades, or a day trip to the theme parks—with a rental car, you stay independent. To keep the adventure from getting unexpectedly expensive, you should look into insurance ahead of time.
Liability without insurance – an underestimated risk
The moment you pick up the rental car, you also take on the responsibility—completely. Without the right insurance coverage, it can get really expensive.
CDW and LDW – protecting against damage to the rental car
CDW (Collision Damage Waiver) and LDW (Loss Damage Waiver) are a type of collision coverage that applies if the car is damaged or stolen. In many cases, this coverage is already included with bookings from Europe—but not always.
EP or SLI – extended liability
The legally required liability insurance in Florida often covers amounts under $20,000. Extended Protection (EP) or Supplemental Liability Insurance (SLI) increases the limit. Since 2025, some providers have lowered the limit to just $300,000—look for providers with full $1 million coverage.
UMP – when the other driver isn’t insured
Uninsured/Underinsured Motorist Protection (UMP) covers the costs if someone hits you who doesn’t have adequate coverage themselves. Especially in Florida, it’s a sensible add-on.
PAI and PEC – only necessary in certain cases
Personal Accident Insurance (PAI) provides medical coverage for you and your passengers. Personal Effects Coverage (PEC) protects personal belongings. Both are often covered through travel insurance or credit cards.
Important note about credit card insurance: It often applies only if the entire booking was paid with the card, and usually without liability coverage.
How you can lose your insurance coverage
- Alcohol or drugs behind the wheel
- Off-road driving outside paved roads
- Unlisted drivers behind the wheel
Conclusion
With CDW/LDW, SLI, and UMP, you’re well protected in an emergency. Check what’s included in the offer before you book.