Auto Insurance
Drive with confidence, covered every mile.
Our Florida car insurance policies are built to protect you, your passengers, and your vehicle from life’s unexpected turns.
Why Auto Insurance Matters
Florida drivers face everything from sudden storms to unpredictable traffic—making solid auto coverage a must. But not all policies are created equal. Whether you’re commuting, ridesharing, or running errands, we’ll help you get the protection you need at a price that works for you. Our independent agency compares top carriers to find coverage that fits your lifestyle and driving habits, so you can hit the road with confidence.
What Auto Insurance Can Cover
Liability Coverage
Helps pay for injury or damage you cause to others in an accident.
Collision Coverage
Covers repair or replacement costs if your car is damaged in a crash.
Comprehensive Coverage
Protects against non-collision incidents like theft, vandalism, or natural disasters.
Uninsured Motorist
Provides coverage if you're hit by a driver without adequate insurance.
Frequently Asked Questions
What’s the minimum auto insurance required in Florida?
Florida law requires Personal Injury Protection (PIP) and Property Damage Liability (PDL), but these basics won’t cover damage to your own car or many types of injuries. That’s why most drivers choose to go beyond the minimum. We’ll help you build a policy that fits your life style and budget.
Do I need full coverage on an older vehicle?
It depends on your car’s value and your risk tolerance. If your car isn’t worth much, you might consider dropping collision or comprehensive to lower your premium. We’ll walk you through the trade-offs and help you decide what makes sense financially.
Does auto insurance cover hurricane damage?
Only if you have comprehensive coverage. Storms can cause significant damage to your vehicle from flying debris, flooding, or falling trees. We strongly recommend comprehensive protection, especially for drivers in coastal Florida.
Can I get a discount for bundling auto and boat insurance?
Yes—bundling your auto and boat policies with the same carrier can lead to significant savings. We’ll compare multiple bundle options and help you find the best rate with the coverage you need.