Holiday travel often means long drives, busy highways, and more time on the road. For many Floridians, it is also a good time to understand how their auto insurance applies outside their usual routes. Whether you are visiting family across the state or taking an out-of-state trip, knowing what your policy covers can help prevent unwelcome surprises.

In this blog, we explain how auto insurance generally works when traveling, what coverage may apply to rental cars or borrowed vehicles, and why a quick policy review before the holidays can help avoid complications later.

Most Florida auto insurance policies follow the driver, not just the vehicle. This means your personal policy may extend coverage when you drive a friend’s car, rent a vehicle, or travel across state lines. However, coverage limits and exclusions vary by insurer and policy type.
If you rent a car for holiday travel, check whether your existing policy includes rental vehicle coverage. Some credit cards also offer limited rental car protection, but it is often secondary to your personal insurance.

It may also help to confirm how liability limits apply when driving outside Florida. Minimum coverage requirements differ from state to state, and having higher limits can provide broader protection if an accident occurs in a state with different laws.

Before you travel, it helps to know what your Florida policy already requires. The Florida Highway Safety and Motor Vehicles (FLHSMV) requires drivers to maintain personal injury protection (PIP) and property damage liability coverage. These minimums form the foundation of most Florida auto policies and may extend to short trips outside the state, depending on your policy. These minimums provide the foundation of most Florida auto policies and typically extend to short trips within and outside state lines.

Many drivers assume their coverage automatically applies in every situation, but that is not always the case. Understanding the limits of your policy before you travel can help you make informed decisions.

Here are a few areas where drivers often get confused about how their auto insurance applies during holiday travel.

Supplemental Rental Car Insurance

Rental agencies often offer supplemental insurance, but it may duplicate coverage you already have. Reviewing your policy before signing rental paperwork can help you avoid unnecessary costs.

Driving Another Person’s Vehicle

If you borrow a friend’s or family member’s car, the owner’s insurance usually applies first. Your own policy may offer secondary coverage, depending on the insurer and the specifics of your policy.

Out-of-State Travel

Most standard policies include coverage across the United States and Canada, but not always in Mexico or overseas. If you plan to drive internationally, ask your agent whether additional coverage or documentation may be needed.

The National Highway Traffic Safety Administration (NHTSA) reports that holiday travel periods often see higher crash rates because of heavier traffic and fatigue. Taking a few precautions can help reduce risk and potential claims.

• Inspect tires, brakes, and lights before starting long trips.
• Keep a roadside emergency kit with jumper cables, a flashlight, and first-aid supplies.
• Avoid distractions, especially on congested interstates.
• Plan breaks to reduce fatigue during extended drives.

Safe habits not only help protect you and others on the road but also support better claim outcomes if an accident occurs.

Florida’s mild winter weather draws many visitors from other states, which increases traffic on major routes like I-75, I-95, and the Florida Turnpike. Seasonal congestion and unfamiliar drivers can raise accident risk.

Because Florida follows a no-fault insurance system, your PIP coverage applies to your injuries regardless of who caused the accident. Property damage liability covers other vehicles or property when you are legally responsible. Maintaining these minimums is required under state law, but many drivers choose higher limits for additional financial protection.

If you will be away for an extended period, confirm that your insurance and vehicle registration remain current. Lapsed coverage can lead to fines or suspension of driving privileges under Florida law.

Holiday travel should be about enjoying time with family and friends, not worrying about insurance details. Reviewing your auto policy before hitting the road can help clarify what is covered and where your responsibilities begin and end.

If you would like to review your Florida auto insurance coverage with a licensed agent, contact Comegys Insurance Agency. Our team can help you understand how your policy applies during travel and answer questions about coverage options that may suit your situation.

Disclaimer: This material is for general informational purposes only and is not legal, tax, or insurance advice. Coverage terms and requirements vary by insurer and policy. Eligibility, limits, and exclusions depend on your specific situation. For guidance about your coverage, consult a licensed Florida insurance professional.