Auto Insurance in Florida
Coverage That Keeps You Moving
Smart Coverage From a Local Independent Agency That Puts You First
At FLORIDA WE INSURE AGENCY, we know your vehicle isn’t just transportation — it’s your daily freedom, your connection to family, and a critical asset. That’s why we offer personalized auto insurance across Florida, backed by 30+ top-rated carriers.
Whether you’re a new driver in Jacksonville on Florida’s East Coast, navigating I‑75 in West Florida near Tampa, commuting through Central Florida, or driving the coastal roads of Sarasota in South Florida, our team finds the right policy for your lifestyle, vehicle, and budget. Clear coverage, real guidance, and no unnecessary extras.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
What Your Auto Policy Should Cover
Stay protected on Florida roads with coverage that fits your needs:
Liability Coverage
Required in Florida — covers you if you’re at fault in an accident that causes injury or property damage to others.
Collision Coverage
Covers repair or replacement of your car if you crash into another vehicle or object. Especially valuable for daily drivers or newer cars.
Comprehensive Coverage
Protects against theft, vandalism, storm damage, and flooding — a must-have in Florida’s weather conditions.
Uninsured / Underinsured Motorist
Covers your expenses if you’re hit by someone with little or no insurance.
Medical Payments / PIP
Pays for medical bills and lost wages regardless of fault. Especially important under Florida’s no-fault laws.
Add-ons
Add-Ons That Matter
Get extra peace of mind with these popular Florida add-ons:
Rental Reimbursement
Covers the cost of a rental car while your vehicle is in the shop after a covered claim.
Roadside Assistance
From flat tires to dead batteries, get 24/7 support wherever the road takes you.
Gap Coverage
If your financed car is totaled, this covers the “gap” between what it’s worth and what you owe.
Ask About Custom Add-Ons for Florida Homes
Why It Matters
Your auto insurance is more than just a piece of paper — it’s your financial backup plan when life takes a turn. Whether you're involved in an accident, dealing with storm damage, or filing a claim, your coverage should work for you.
At FLORIDA WE INSURE AGENCY, we make sure your policy reflects real-world risks, with clear terms and reliable protection — from I-95 to A1A and everywhere in between.
Why Choose FLORIDA WE INSURE AGENCY for Your Auto Insurance?
30+ Florida Carriers Compared
We shop top names like Progressive, Safeco, Travelers, and more — so you don’t have to.
Built for Florida’s Risks
We understand flood zones, hurricanes, and Florida’s driving laws — and tailor your policy accordingly.
Annual Policy Remarketing
Each year, we automatically re-shop your policy across our carrier network so you always stay competitive — without lifting a finger.
Free Legal Support for Claims
If a claim is denied or delayed, our in-house legal team advocates for you at no cost.
Real Florida Agents, Not 1‑800 Numbers
Speak directly to a local expert who understands your neighborhood, weather, and coverage needs.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
Auto Insurance FAQs
What are Florida’s minimum auto insurance requirements?
Florida requires drivers to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. However, unlike most states, Florida doesn’t require Bodily Injury Liability by default (though it’s wise to have it). Our agents will ensure you meet legal requirements and advise if higher coverage makes sense for you.
How can I lower my car insurance premium?
We help you find all eligible discounts (bundling home and auto, safe driving record, safety features on your car, etc.). Maintaining a clean driving record and good credit, opting for a higher deductible, or taking a defensive driving course can also lower your premium. We’ll shop multiple insurers to find the best rate for your situation.
Does my auto insurance cover hurricane or flood damage?
Only if you have comprehensive coverage. Florida’s weather can be harsh — flooding or wind-borne debris from hurricanes can damage cars. Standard liability or collision won’t cover these “acts of nature,” but comprehensive will. We strongly recommend it in Florida.
Can I get insurance the same day I buy a car?
Yes. We can typically set up a new auto insurance policy on the same day. If you’re at a dealership and need proof of insurance, just call us or use our online quote form — we’ll get you covered quickly so you can drive off the lot legally insured.
Service areas
Areas We Serve
We provide personal auto insurance, business vehicle coverage, and contractor fleet policies across Florida.
We help homeowners, renters, and contractors like plumbers, electricians, landscapers, and retailers with personal and commercial auto insurance solutions in every region.
Don’t see your area?
Auto Insurance in St. Augustine
Auto Insurance in Jacksonville
Auto Insurance in Tampa
Auto Insurance in Sarasota
Auto Insurance Across the State of Florida
Let’s Get You on the Road — Fully Protected
Let us match you with the best auto insurance — whether you're insuring a family car, a contractor’s truck, or a new teen driver.
