Expertise.com Homepage

2024

Last updated:

Best Local Car Insurance Agencies in Palm Bay, FL

Our Recommended Top 13

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 Palm Bay 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.

77Reviewed

51Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

190 Malabar Road, Palm Bay, FL 32907
WebsiteLicense: L057220

Expertise.com Rating

Review Sources

Google
4.1 (28)

Why choose this provider?

Clover Insurance Agency LLC is an independent insurance agency in Palm Bay that helps clients choose the necessary insurance protection they need for themselves and their vehicles. It writes auto insurance policies for clients residing in the metro and helps protect them from liabilities and collisions. It also provides insurance coverage for high-risk drivers (SR-22 drivers) and drivers who were recently involved in a DUI or DWI case (FR-44 drivers).

  • RV & Motorhome
  • Boats

5030 Minton Road, Palm Bay, FL 32907
WebsiteLicense: E029968

Expertise.com Rating

Review Sources

Google
4.9 (71)
Facebook
4.8 (16)
Yelp
4.0 (4)

Why choose this provider?

Joe Raley is a State Farm insurance agent that has been serving Palm Bay and other areas since 1991. His company offers auto insurance with collision and comprehensive coverage for damages like theft, vandalism, overturning, fires, explosions, and hurricanes. It can also provide bodily injury liability coverage, which protects against lost wages and medical expenses. Raley has received the State Farm Ambassador Club Award and is a multi-year recipient of the Chartered Life Underwriter designation.

  • Bundling Option

166 North Atlantic Avenue, Cocoa Beach, FL 32931
WebsiteLicense: L000114

Expertise.com Rating

Review Sources

Facebook
4.5 (11)
Google
2.0 (3)

Why choose this provider?

Kim Jones Insurance Agency is a locally owned and operated agency that delivers cost-effective risk management solutions to Palm Bay residents. Its insurance specialists offer auto insurance policies to help clients be financially prepared when accidents happen. They assist in finding the right policy that protects drivers at all costs. Additional protection and coverage options are available such as comprehensive, liability, minor violation forgiveness, personal injury protection, and roadside assistance.

  • Multiple Carriers

1430 Palm Bay Road Northeast, Palm Bay, FL 32905
WebsiteLicense: R041409

Expertise.com Rating

Review Sources

Google
4.8 (210)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Located in Palm Bay, Wren Insurance Agency is a locally owned and family-operated independent agency that has been serving individuals, families, and businesses since 1979. Car insurance is one of its many insurance program offerings. The agency represents 50 of the top national and regional insurance companies, including car insurers, such as Chubb, MetLife, Progressive, Travelers, Safeco, and Foremost. Its agents understand how to help clients get back on the road as quickly as possible after their vehicle is stolen, sustains damage, or is destroyed.

1500 Florida 70, Palm Bay, FL 34972
WebsiteLicense: L002240

Expertise.com Rating

Review Sources

Google
4.9 (62)
Facebook
4.0 (60)

Why choose this provider?

LOI Insurance is an independent insurance provider serving Palm Bay and other areas in Florida. Its car insurance plans include bodily injury liability and property damage coverages. Additionally, its policies can cover increased liability protection, uninsured motorists, roadside assistance, higher deductibles, gap insurance, and drop coverage for older cars. The LOI Insurance team also insures motorcycles, RVs, fishing boats, and other watercraft. They are proud to help their clients secure their assets and their future through the company's products and services.

  • Multiple Carriers

7960 US Highway 1, Micco, FL 32976
WebsiteLicense: L015870

Expertise.com Rating

Review Sources

Google
4.8 (139)
Facebook
5.0 (36)
Yelp
2.5 (3)

Why choose this provider?

Schneider and Associates Insurance Agencies, which is located in Micco, assists with the insurance needs of residents in Palm Bay. Included in its line of services is auto insurance, wherein its team creates custom plans for automobile owners that may cover car collision damages and medical expenses resulting from car accidents. In addition to auto insurance, Schneider and Associates Insurance Agencies also provides mobile home insurance along with commercial insurance products. The company is also licensed in Texas, Ohio, and Iowa.

  • RV & Motorhome

1701 South Harbor City Boulevard, Melbourne, FL 32901
WebsiteLicense: R002061

Expertise.com Rating

Review Sources

Google
4.6 (10)
Facebook
5.0 (9)

Why choose this provider?

1 Source Insurance Agency Inc. is a company that provides car insurance and other insurance products in Palm Bay. The independent Florida-based insurance agency offers car insurance such as liability, accident, uninsured and underinsured motorists, collision coverage, rental, and special cars coverage. 1 Source Insurance Agency Inc. also offers other insurance products, such as homeowners, life, health, commercial liability, and health insurance. It has partnered with reputable insurance carriers to provide a variety of insurance coverage for its clients.

  • Multiple Carriers

1555 Indian River Boulevard, Vero Beach, FL 32962
WebsiteLicense: L059939

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Tom Collins Insurance Agency, Inc., has been providing insurance services to individuals and families near Palm Bay since 1989. David T. Collins, the VP for operations of the firm, uses his extensive experience as a risk analyst and commercial underwriter to help residents and businesses find policies that suit their needs. He and the other agents at the company offer coverage for medical treatment and property damage in the event of a collision and other kinds of auto accidents.

  • Multiple Carriers

6255 Minton Road, Palm Bay, FL 32907
WebsiteLicense: A038936

Expertise.com Rating

Review Sources

Google
4.8 (25)
Facebook
5.0 (5)

Why choose this provider?

Rey Campbell is a professional insurance agent under GreatFlorida Insurance. Campbell handles insurance policies for car, home, and commercial properties in the Palm Bay area. In the event of an accident, the auto insurance policy he offers to his clients can cover collision liability, damage to vehicles, theft, repairs, medical expenses, as well as financial loss assistance. On the GreatFlorida website, Campbell has received five-star ratings from his satisfied clients.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

936 US Highway 1, Sebastian, FL 32958
WebsiteLicense: L054510

Expertise.com Rating

Review Sources

Facebook
5.0 (12)

Why choose this provider?

With over 25 years of experience in the insurance agency, Sebastian Insurance LLC offers all aspects of insurance services to Palm Bay and the rest of Sebastian. Offering auto insurance, the agency represents multiple companies with a wide array of insurance products that clients can choose from. Providing coverage for collision and comprehensive, the company also includes personal injury and medical payments coverage. Clients can also add extra policies such as roadside assistance.

  • Multiple Carriers

829 8th Street, Vero Beach, FL 32962
WebsiteLicense: R000993

Expertise.com Rating

Review Sources

Google
4.7 (22)
Facebook
4.0 (2)

Why choose this provider?

Attending to customers in Palm Bay, Bill Nesper Insurance Services, Inc., offers an array of personal and business auto insurance products. Located in Vero Beach, the company works with multiple agencies to find a suitable policy that will fit its clients' needs. Its agents assist vehicle owners with their auto insurance that includes property, liability, and medical payments coverage. Bill Nesper Insurance Services has been in the insurance industry since 1992.

  • Multiple Carriers

277 Malabar Road, Palm Bay, FL 32907
WebsiteLicense: L091690

Expertise.com Rating

Review Sources

Google
5.0 (142)
Facebook
5.0 (26)

Why choose this provider?

Sarpoolaki Insurance Center is a team of agents based in Palm Bay. Run by father-and-son team Andy and Dimitri Sarpoolaki, the company assists clients in various areas including auto insurance. The professionals furnish insurance plans for car owners that include medical coverage, which compensates for rehabilitation costs, funeral expenses, and lost wages due to a vehicle accident. This is provided along with property and liability coverage. Sarpoolaki Insurance Center has been offering insurance solutions for more than 30 years.

  • Bundling Option

1616 Tangerine Street, Melbourne, FL 32951
WebsiteLicense: A311802

Why choose this provider?

Melbourne Beach Insurance is an independent insurance firm and insurance brokerage that has been representing various financially sound and reputable insurance carriers since 2005. Serving both individual and corporate clients in Palm Bay, it offers a wide range of insurance products, including standard auto insurance. Its professional associates can help motorists secure car insurance policies that will suit their individual needs, requirements, and priorities. Melbourne Beach Insurance also offers homeowners', business, health, and life insurance.

  • Bundling Option

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Clover Insurance Agency, LLC
190 Malabar Road, Palm Bay, FL 32907
Joe Raley
5030 Minton Road, Palm Bay, FL 32907
Kim Jones Insurance Agency
166 North Atlantic Avenue, Cocoa Beach, FL 32931
Wren Insurance Agency
1430 Palm Bay Road Northeast, Palm Bay, FL 32905
LOI Insurance - Okeechobee
1500 Florida 70, Palm Bay, FL 34972
Schneider and Associates Insurance Agencies - Micco
7960 US Highway 1, Micco, FL 32976
1 Source Insurance Agency Inc.
1701 South Harbor City Boulevard, Melbourne, FL 32901
tomcollinsinsurance.com
1555 Indian River Boulevard, Vero Beach, FL 32962
Rey Campbell
6255 Minton Road, Palm Bay, FL 32907
Sebastian Insurance
936 US Highway 1, Sebastian, FL 32958
Nesper Insurance Services, Inc.
829 8th Street, Vero Beach, FL 32962
Sarpoolaki Insurance Center
277 Malabar Road, Palm Bay, FL 32907
Melbourne Beach Insurance
1616 Tangerine Street, Melbourne, FL 32951

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 kinds of insurance will you be required to have in Palm Bay?

    In Palm Bay, you must carry both property damage liability (PDL) and personal injury protection (PIP) insurance. The minimum PDL coverage is $10,000 and can be used to pay for damages to other people's property caused by you or another driver. On the other hand, PIP must have a minimum coverage of $10,000 and can be used to pay for your medical bills no matter who caused the accident.

  • How should you surrender a license plate in Palm Bay?

    The license plate should be mailed to the Brevard County Tax Collector's Office, P.O. Box 2500, Titusville, FL 32781-2500. Alternatively, you can drop off the plate at the local office, which is located at 450 Cogan Drive SE, Palm Bay, FL 32909. If your license has been suspended due to insurance cancellation, call (321) 264-6935 before proceeding.

  • Under no-fault liability laws, can you sue someone in a car accident in Palm Bay?

    Yes, you can sue the other driver in Palm Bay if your injuries are severe or the damage costs exceed the insurance policy's coverage. Otherwise, regardless of who is at fault, all accident-related expenses will be covered by your own and the other driver's insurance. Motorists are required to have personal injury protection and property liability insurance under no-fault liability laws.

  • Will you be required to purchase comprehensive insurance if you get a car loan in Palm Bay?

    Yes, lenders in Palm Bay typically require comprehensive and collision insurance in addition to the mandatory insurance. It is important to note that lenders cannot compel you to purchase insurance from a specific agent or company. Additionally, some lenders may insist on coverages such as gap insurance and uninsured/underinsured motorist coverage.

  • Are CARCO inspections required in Palm Bay?

    It depends. CARCO inspections are pre-insurance checks required when purchasing collision and comprehensive coverage. The vehicle registration must be brought to Palm Bay for the inspection process. You must also provide the inspector with the information for your insurance company so that the inspection report can be forwarded. CARCO inspections are performed to assist in the prevention of insurance fraud.

  • 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.