Personal · Auto
Florida auto insurance, shopped for you.
Florida is a no-fault state with some of the country's trickiest coverage rules. We compare carriers to get you the right limits at the right price — and explain what you're actually buying.
What's covered
Coverage built for Florida roads
Every driver's needs are different. Here's what we line up and compare for you.
Bodily injury & property damage liability
Covers what you owe others after an at-fault accident.
Personal injury protection (PIP)
Florida-required no-fault coverage for your own injuries.
Uninsured / underinsured motorist
Protects you when the other driver can't pay.
Collision & comprehensive
Repairs or replaces your car from a crash, theft, or storm.
Roadside & rental reimbursement
Tows, lockouts, and a loaner while your car is in the shop.
Multi-car & bundle discounts
Combine vehicles or add your home policy to save.
Why drivers choose us
Lower rates without the runaround.
We re-shop at renewal
When your carrier hikes rates, we quietly compare the market again instead of letting you overpay.
Clear on PIP & no-fault
We'll walk you through Florida's no-fault rules so your limits actually protect you.
Bundle and save
Pair auto with home or flood for multi-policy discounts and one point of contact.
FAQ
Florida auto insurance questions
What's the minimum car insurance required in Florida?
Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. Those minimums are low for the real cost of an accident, so we'll help you choose limits that actually protect your assets.
Why is Florida auto insurance so expensive?
Florida combines high traffic density, frequent storms, a large uninsured-driver population, and litigation costs. Because we're independent, we can shop multiple carriers to find the best fit instead of being stuck with one company's rate.
Can I lower my premium?
Often, yes — through bundling, adjusting deductibles, dropping unneeded coverage on older cars, and qualifying for discounts. We review all of it when we quote and again at renewal.
How quickly can I get covered?
Many auto policies can be quoted and bound the same day. Submit a request or call us and we'll move as fast as you need.
Ready for a straight answer?
Start your quote online in two minutes, or call and talk to a real person right now.