Find the Perfect Auto Insurance Policy in Florida
For Florida drivers like yourself, a search for affordable auto insurance is about more than just meeting legal requirements—it’s about finding a policy that offers comprehensive protection, affordable rates, and peace of mind.
From Tallahassee to Jacksonville to Miami to Tampa, affordable auto or truck insurance in Florida poses unique challenges for drivers, including high premiums, severe weather damage risks, and a high number of uninsured drivers raising insurance company expenses. Your ideal policy should strike a balance between cost and the coverage you need.
What’s important to know is that auto and truck insurance in Florida is expensive. Costs for insurance companies has risen and this includes auto accident claims, weather damage, and uninsured driver losses. Learn more, find and compare auto insurance provider websites where you’ll find lower policy premiums, discounts, fast application process, speak with an agent or buy online, to the right coverage for you.
See a list of Florida car insurance agents.
What is the Policy Coverage you Need?
New to Florida? You’ll need a policy that includes:
- Personal Injury Protection (PIP) and Property Damage Liability (PDL) to meet state requirements.
You might also want additional protections such as:
- Bodily Injury Liability (BIL) and Uninsured/Underinsured Motorist (UM/UIM) coverage to safeguard against lawsuits and uninsured drivers. For those living in hurricane-prone areas, comprehensive coverage is essential to protect against weather-related damage loss.
Good advice is to compare quotes, explore discounts, and understand available coverage options. You might seek to combine your auto insurance policy with renters insurance, homeowners insurance, and health insurance where offered. Some insurance companies loyalty programs are worth examining. Your location in Florida, age, and driver’s record will impact the auto insurance quote you receive. Older drivers with a good driving record will find insurance cheaper (e.g., $4900 annually for a 60-year old policyholder). Rates for young vs older drivers vary greatly, so shopping smartly might save you a great deal of cash.
However, if finding the lowest car insurance is all you’re looking for, let’s begin exploring Florida insurance providers.
How To Choose Auto Insurance
Your online search for auto coverage helps when you’re more specific. Search using keywords such as: mature driver, discount, compare rates, good driving, SUV, truck, EV, town/city name, your zip code, or agent. These words help Google, Bing, or Duckduckgo match the best website or agency. You’ll connect with more appropriate agents and local companies who might offer you a better rate and give you personalized service. They can walk you through the policy that’s right for you and you can discuss each part of your coverage and how much coverage you need.
National Insurance Brokers want you to buy your car or truck insurance in an online form. But the problem is, auto insurance is complex and they haven’t quite figured out how to master all the wrinkles and iron them out using an AI bot agent, online form, or help popups. The search engines index their website pages and find words like discounts, lowest price, high-risk driver, or your town name so you get good search results for you.
If you just type in “car insurance,” you’ll get links to the big insurance companies and they’ll want to lead you away from price to policies they want to sell. Getting trapped in that process is draining, especially if you get quotes from several of them. There are online insurance companies and agents who provide policy comparisons and multiple quotes, but these are often sophisticated and only provide a few insurance providers they have partnerships with.
It’s often easier and faster to speak directly with an agent to get your specific questions answered correctly. Missing coverage or incorrect information could affect your claim if you’re in an accident. Your peace of mind is essential if you’re traveling long distances.
Mandatory Auto Insurance Requirements in the State of Florida
Any vehicle with a current Florida registration must:
- be insured with PIP and PDL insurance at the time of vehicle registration.
- have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. Vehicles registered as taxis must carry bodily injury liability (BIL) coverage of $125,000 per person, $250,000 per occurrence and $50,000 for (PDL) coverage. PIP covers 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. PDL coverage pays for damage to another person’s property caused by you or someone else driving your insured vehicle.
- possess continuous coverage whether or not the vehicle is being driven or is inoperable. You must surrender the license plate/tag BEFORE canceling your insurance.
- purchase the policy from an insurance carrier licensed to do business in Florida.
Note: High-risk drivers (some seniors and tourists) may need insurance coverage through the Florida Automobile Joint Underwriting Association (FAJUA), the state’s assigned risk pool.
Auto Insurance Companies in Florida
Using Bing, Duckduckgo, Yahoo or Google, you’ll be checking national auto and truck insurance providers along with local/state providers. Ultimately, some will prefer your patronage, while others will not. Those that don’t really want your business will likely have much higher premiums. They may consider your driver profile to be higher risk or not profitable
Check out these providers in your region of Florida. Please vet the agency’s reputation, listen to their tone of voice, and ensure they are licensed in Florida. You can check their license at Department of Business and Professional Regulation – State of Florida.
Florida One Insurance Agency
5979 Northwest 151st Street #200,
Miami Lakes, Florida 33014, United States
(786) 501-2059
Website: floridaoneinsurance.com/
Direct Auto Insurance Tampa
8019 W Hillsborough Ave Ste D
Tampa, FL
(813) 887-1877
Website: local.directauto.com/florida/tampa/8019-w-hillsborough-ave
Liberty Mutual Auto Insurance Jacksonville
11112 San Jose Blvd
Jacksonville, FL 32223
+1 (904) 268-0503
Website: libertymutual.com
Estrella Auto Insurance Miami
3750 W Flagler St,
Miami, FL 33134, United States
305 446-6822
Website: estrellainsurance.com
St Paul Travelers CO Insurance Tampa
7870 Woodland Center Blvd,
Tampa, FL 33614, United States
813 890 4400
Kate Hutton GEICO Car Insurance
5005 E Colonial Dr,
Orlando, FL 32803, United States
407 897 7157
Website: geico.com/insurance-agents/florida/orlando/kathryn-hutton/
Chubb Auto Insurance Miami
9130 S Dadeland Blvd Suite 1100,
Miami, FL 33156, United States
305 670-9935
Website: chubb.com/us-en/individuals-families/products/auto-insurance/car-insurance.html
Florida Farm Bureau Car and Truck Insurance Gainesville
5700 SW 34th Street
Gainesville, FL 32608
(352) 378-1321
Progressive Car Insurance Orlando
901 N Lake Destiny Rd Ste 200,
Maitland, FL 32751, United States
800-776-4737
Website: progressive.com/auto/
State Farm Auto Insurance Orlando
Jim Ackerman
922 Lake Baldwin Lane, Suite A
Orlando, FL 32814-5900
407-277-2994
Website: statefarm.com/agent/us/fl/orlando
Nationwide Mutual Insurance Sarasota
2301 Ringling Blvd
Sarasota, FL 34237
941 366-7070
Website: nationwide.com
Farmer’s Auto Insurance Central Florida
640 Century Pt,
Lake Mary, Fl 32746
(407) 805-9482
Website: farmers.com
Freeway Auto Insurance Tampa
9106 N Florida Ave,
Tampa, FL 33604, United States
813-534-7549
Website: locations.freeway.com/freeway-insurance-tampa-fl-33603
Mercury Auto Insurance Miami
Miami Gardens, FL 33169, United States
305 651-9662
Website: mercuryinsurance.com
Seibert Auto Insurance Tampa
5121 Ehrlich Road
Suite 111
Tampa, FL 33624
813 960-4672
Website: seibertagency.com/contact-us/
Estrella Auto Insurance Ft Lauderdale
3920 W Broward Blvd Suite B-2,
Davie, FL 33312, United States
954 792 6556
Website: estrellainsurance.com/Locations/
Fort Myers Auto Insurance
14030 Metropolis Ave #104
Fort Myers, FL 33912
239 444 6888
Website: cigflorida.com/fort-myers-insurance-agency/
Finding the best auto insurance policy has a lot to do with how you search for it. If you just fall into a big insurance company’s sales funnel, such as GEICO, Progressive, Allstate or Liberty Mutual, then you’d miss out on all the other providers who want your business. Remember that a lot of these companies do not do internet marketing very well, which puts the onus on you to find the lowest car insurance quote, and then tirelessly fill out forms and signups, to get quotes.
Find more online car insurance quotes now.
