Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Florida

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Florida Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

12444Reviewed

7474Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Deerfield Beach

Why choose this provider?

Since 1999, Do The Right Thing Insurance Group - Deerfield Beach has been serving individuals, families, and businesses in Florida. It helps clients secure the best auto insurance products to keep themselves and their cars protected in worst-case scenarios. Its coverage options include comprehensive, collision, liability, medical, and uninsured motorist protection. The company also offers life, disability, homeowners', watercraft, retail, and flood insurance. Do The Right Thing Insurance Group has offices in Coral Springs, Sunrise, Key Largo, and Homestead.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (355)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
West Palm Beach

Why choose this provider?

AC Insurance Services - West Palm Beach is a locally operated independent insurance agency that serves both residential and commercial clients in Florida. It provides personal auto insurance policies with coverage such as personal injury protection, property damage liability, bodily injury liability, and uninsured motorist coverage. Other insurance products that it offers include RV, homeowners', renters', and business liability insurance. AC Insurance Services, the best company in the Sunshine State, has been in operation for more than three decades. The agency also accommodates Spanish-speaking clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (71)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Orange City

Why choose this provider?

Wellcovered Insurance is a locally owned and operated agency that serves both residential and commercial clients in Florida. It provides car insurance policies with bodily injury liability, property damage liability, collision, and personal injury protection coverage options. Its process includes helping clients review quotes and setting up their insurance policies. The other products that the agency offers include protection plans for RVs, motorcycles, boats, and mobile homes. Wellcovered Insurance has been in operation for almost a decade.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
Pompano Beach

Why choose this provider?

Mattos Insurance in Pompano Beach is a full-service agency that provides Florida residents with insurance options. Its selection of insurance products ranges from coverage plans for personal vehicles like cars and motorcycles to health insurance policies for individuals and businesses. As part of its services, the company offers traffic school courses online in English and Spanish on drug and alcohol awareness. Notary services are also available. The agency has served over 18 million customers since its establishment in 1999.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Davie

Why choose this provider?

For more than 40 years, family-owned FCI Auto Tag and Insurance Agency has been serving clients in the state of Florida. It provides auto insurance policies to car owners to help them protect themselves against financial loss in case of an accident. Its other products include renters', homeowners', RV, motorcycle, and commercial liability insurance. FCI also assists its customers with vehicle and trailer registration, in-state and out-of-state title transfers, and registration, title, and plate replacement.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Port St. Lucie

Why choose this provider?

Southern Integrity Insurance is an independent firm that caters to people in Florida. It protects car owners against potential losses by providing them with the best auto insurance coverage options that meet their needs. It offers comprehensive, collision, and full coverage insurance plans and writes policies for those with imperfect driving records. Its other products include home, life, general liability, and workers' compensation insurance. Southern Integrity Insurance comprises professionals who carry more than 25 years of combined experience in the industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Port St. Lucie

Why choose this provider?

McGarr Insurance serves individuals and families throughout Florida, providing them with a varied selection of insurance policies. These policies include auto, home, health, and life insurance. The independent agency shops from a wide range of carriers, such as the Bankers Insurance Group and Tower Hill Insurance, to provide clients with a selection of coverage plans that best suit their needs and financial circumstances. Owner Matt McGarr has been working in the insurance industry since 2015, starting as an intern at a captive insurance agency.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (48)
Facebook
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Deerfield Beach

Why choose this provider?

Russ Deboo, a GreatFlorida Insurance agent since 2016, serves individuals, families, and business owners in Florida. He helps individuals protect themselves financially in the event of car accidents by providing them with cheap auto insurance policies that cover medical payments, property damage and bodily injury liability, comprehensive physical damage, collision, and uninsured motorists. He also finds insurance plans for car owners with an imperfect driving history and is available 24/7 to address his customers' concerns. His other products include boat, renters', and condo insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (334)
Facebook
5.0 / 5 (34)
Yelp
4.5 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
North Miami

Why choose this provider?

Cover All Insurance is an independent firm that has been serving both residential and commercial clients from Florida for more than three decades. It provides the best insurance policies that cover road hazards such as construction debris and distracted drivers. Other services and insurance products that the company offers include property insurance, general liability insurance, and auto-tag and titles services. Cover All Insurance works with carriers such as Gainsco, Inc., Foremost, and Progressive Commercial Auto.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Miami

Why choose this provider?

Sol Insurance Agency - Flagler is an independent insurance agency that has been serving individuals, families, and businesses from Florida for over two decades. It provides a variety of insurance policies for personal automobiles, commercial automobiles, RVs, trailers, motorcycles, and boats. The other insurance products that it offers include home and general liability insurance. Sol Insurance Agency works with more than 50 national, regional, and state-wide carriers. The company is a member of the Latin American Association of Insurance Agencies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
Ormond Beach

Why choose this provider?

Boudreaux Insurance Agency helps people protect their families and cars in the event of accidents by providing them with auto insurance policies. Representing multiple insurance carriers, the company offers a wide range of car insurance options that include collision, bodily injury, property damage, and comprehensive coverage. It also provides home and business insurance plans. Boudreaux Insurance Agency is a member of the Florida Association of Insurance Agents. Mandy Boudreaux, the firm's principal agent, has been in the industry since 2019.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Brandon

Why choose this provider?

Runnels Insurance is a family-owned and locally operated agency that serves individuals, families, and businesses in Florida. It provides a wide variety of insurance policies for cars, RVs, motorcycles, and boats and watercraft. The other products that it offers include homeowners', condo, life, umbrella, and flood insurance plans. The company has been in operation for more than three decades. It has partnered with various insurance carriers, such as American Integrity, Cabrillo Coastal, and Federated National.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Orlando

Why choose this provider?

Orlando Insurance Center is an independent agency that caters to individuals, families, and business owners in Florida. It helps clients protect their hard-earned assets by providing them with insurance advice and solutions. It offers auto insurance policies with comprehensive, collision, increased liability, and no-fault liability coverage. Its other products include homeowners', renters', life, health, and commercial property insurance. The agency partners with companies like American Integrity and Foremost to find the best policy that matches its customers' needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Fort Pierce

Why choose this provider?

Prestige Insurance is a family-owned and family-operated independent insurance agency that serves both residential and commercial clients from Florida. It provides custom-made auto insurance policies with a wide range of coverage, including personal injury protection, property damage liability, collision, uninsured motorist, towing, and rental coverage. The company also offers a variety of insurance policies for watercrafts such as jet skis, yachts, houseboats, and commercial vessels. Prestige Insurance has been the best agency in the state for more than two decades.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.0 / 5 (12)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Gainesville

Why choose this provider?

Cotton's All Lines Insurance, Inc. is an independent insurance agency that has been serving individuals, families, and businesses from Florida for more than four decades. It provides auto insurance policies that cover personal injury, loss of life, and property damage. It also offers insurance products for classic cars, motor homes, and motorcycles. The company represents insurance carriers such as Chubb, Fidelity, and Foremost. Its ounder Mike Cotton holds designations such as Chartered Life Underwriter and Chartered Property Casualty Underwriter.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (261)
Facebook
5.0 / 5 (15)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Gainesville

Why choose this provider?

McGriff-Williams Insurance serves individuals, families, and business owners in Florida. It helps car owners protect themselves and their finances in the event of an accident by providing them with the best auto insurance policies. These policies cover collision, towing, property damage liability, bodily injury liability, medical payments, and personal injury protection. Policy enhancements like new car replacement, gap insurance, and diminishing deductibles are also available from the numerous companies that McGriff-Williams Insurance represents. Lee McGriff, one of the agency's partners, has been in the industry since 1983.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (96)
Facebook
4.9 / 5 (21)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Coral Springs

Why choose this provider?

Janet Romero is a local State Farm agent who serves both residential and commercial clients from Florida. She provides the best auto insurance policies for a wide variety of vehicles, including motor homes, travel trailers, antique or classic cars, and high-value luxury cars. She also offers homeowners', renters', boat, life, and health insurance policies. Other products and services that she offers include assistance with banking, annuities, and notary services. Janet Romero has been working in the insurance industry for more than two decades.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (250)
Facebook
5.0 / 5 (30)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Deerfield Beach

Why choose this provider?

Since 1994, Automatic Insurance Agency has been serving individuals and families in Florida. It represents companies like Foremost Insurance Group, Infinity Auto Insurance, and Progressive, which allows customers to choose the best insurance plans that meet their needs. It offers various auto insurance coverage options such as comprehensive, collision, roadside assistance and towing, and uninsured motorist protection. Other products include boat, homeowners', and workers' compensation insurance. Automatic Insurance Agency's professionals carry 30 years of experience and also provide tag and title services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (40)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Deerfield Beach

Why choose this provider?

Based in Florida, American Quality Insurance is an independent agency that helps people protect themselves and safeguard their finances in the event of car accidents or theft. It works with numerous carriers that offer various car insurance coverage options, such as collision, liability, comprehensive, personal injury, and uninsured motorist protection. Its other plans include condo, motorcycle, pet, and workers' compensation insurance. American Quality Insurance's team of professionals evaluates customers' situations, handles all the paperwork, and finds the best insurance products that meet their needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Lauderhill

Why choose this provider?

A-Aggressive Insurance Agency, Inc., is a family-owned firm that caters to individuals, families, and businesses in Florida. It helps car owners protect themselves and their vehicles financially in the event of theft or an accident by providing them with the best auto insurance plans. Its agents evaluate clients' specific situations and assist them in securing the policy that meets their needs. A-Aggressive also offers financial services and homeowners', life, business liability, flood, and retirement insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.