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2024

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Best Local Car Insurance Agencies in Palm Coast, FL

Our Recommended Top 14

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 Coast 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.

63Reviewed

43Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2298 Colbert Lane, Palm Coast, FL 32137
WebsiteLicense: W581235

Expertise.com Rating

Review Sources

Google
4.4 (7)
Facebook
5.0 (3)

Why choose this provider?

Palm Coast Insurance is an independent insurance agency in Palm Coast that serves all of Florida. Locally owned and operated, the company works with more than 20 insurance carriers to help vehicle owners obtain car insurance policies that can protect them in the event of an automotive emergency. In addition to auto insurance, the business also offers homeowners', renters', apartment, and condominium insurance. For the convenience of clients, requesting quotes can be done by phone or via email.

  • Multiple Carriers

5182 North Oceanshore Boulevard, Palm Coast, FL 32137
WebsiteLicense: L106158

Expertise.com Rating

Review Sources

Google
5.0 (57)
Facebook
5.0 (10)

Why choose this provider?

Integrity Insurance Group provides personalized auto insurance products to individuals in Palm Coast and the surrounding areas. The independent business partners with multiple insurance carriers to offer various coverages such as uninsured motorist, property damage, comprehensive, and bodily injury liability. Its team's primary goal is also to make sure policyholders understand their auto insurance coverages. Furthermore, the company has professionals on board backed with over a decade of insurance experience.

  • Boats
  • Motorcyle & ATV

21 Old Kings Road North, Palm Coast, FL 32137
WebsiteLicense: L055539

Expertise.com Rating

Review Sources

Google
4.8 (39)

Why choose this provider?

Conser Insurance addresses Palm Coast drivers' auto insurance concerns. Its agents provide auto insurance plans that protect both drivers and their vehicles in the event of a car accident, writing policies that fit each client's needs. The company also offers coverages for RVs, golf carts, and boats. The service provider, which is affiliated with Heart of Florida Insurance and All In One, represents carriers such as Travelers, Foremost, Progressive, and Allstate.

  • RV & Motorhome
  • Boats

12 Office Park Drive, Palm Coast, FL 32137
WebsiteLicense: R010813

Expertise.com Rating

Review Sources

Google
4.2 (6)
Facebook
3.7 (3)

Why choose this provider?

Serving the residents of Palm Coast and nearby areas in Florida, Flagler County Insurance Agency assists drivers and vehicle owners with its auto insurance. Clients are covered with collision, comprehensive, liability, and medical expenses in the company's auto insurance policy. In addition to autos, the company also offers assistance with all types of vehicles such as motorcycles, RVs, and watercraft equipment including boats and jet skis. Flagler County has been in the insurance industry since 1917.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

720 South Atlantic Avenue, Ormond Beach, FL 32176
WebsiteLicense: L094297

Expertise.com Rating

Why choose this provider?

The Boudreaux Agency is an independent insurance firm providing insurance products and services to clients in Palm Coast and the Volusia County area. Its team of insurance agents has extensive knowledge of Florida auto insurance requirements and is adept at building comprehensive car and auto insurance plans tailored to clients' specific needs. Jacob Boudreaux, the company's president, has about two decades of experience in the industry. The agency's carriers include Progressive, Safeco, and Kemper. It also offers commercial and homeowners' insurance policies.

  • Multiple Carriers

13453 North Main Street, Palm Coast, FL 32218
WebsiteLicense: L097252

Expertise.com Rating

Review Sources

Facebook
5.0 (49)

Why choose this provider?

Stephanie Lempesis is a second-generation agent at State Farm Insurance, an agency that provides car insurance to clients in Jacksonville, Palm Coast, and the surrounding areas. Lempesis and her team offer personalized services, which involve discussing various client needs and providing quotes for a teenage driver, a rental car, a sports car, or commercial auto. Other than car insurance, they also cover other types of insurance, including business, health, home, life, and property insurance.

  • Bundling Option

2 Pine Lakes Parkway North, Palm Coast, FL 32137
WebsiteLicense: L076241

Expertise.com Rating

Review Sources

Google
5.0 (92)
Facebook
5.0 (28)

Why choose this provider?

Palm Coast-based Coastal Palm Insurance Agency is an independent auto insurance provider that offers policies with liability, comprehensive, and collision coverages. The company is dedicated to giving its clients an insurance coverage deal that best fits their unique needs in a family-style setting. As an independent agency, it represents a selected group of insurance carriers, including Ironshore, Travelers, Lexington Insurance, and Universal Property and Casualty Insurance Company. Coastal Palm Insurance Agency also offers other personal and business insurance products.

  • Multiple Carriers
  • Boats

160 Cypress Point Parkway, Palm Coast, FL 32164
WebsiteLicense: A047511

Expertise.com Rating

Review Sources

Google
4.9 (37)

Why choose this provider?

James Cimorelli is a Great Florida Insurance agent providing auto insurance solutions to drivers and car owners in Palm Coast. Cimorelli is a local agent handling various auto insurance coverages, such as collision, comprehensive, medical payment, and uninsured motorist. His team can also assist clients in obtaining liability coverages that include property damage and bodily injury. Additionally, they can answer insurance inquiries and attend to auto insurance emergencies around the clock.

4845 Belle Terre Parkway, Palm Coast, FL 32164
WebsiteLicense: R005224

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

East Coast Insurors, Inc., is a car insurance agency based in Palm Coast. For 40 years, it has been providing property, liability, and medical coverages for damages and injuries brought about by car accidents. Its agents employ the AIM (Assess, Implement, Monitor) process to guide them in finding the appropriate risk management solutions for each client's case. Also located in Ormond Beach, East Coast Insurors offers insurance plans for boats, businesses, homes, and general liability.

  • Multiple Carriers

50 Leanni Way, Palm Coast, FL 32137
WebsiteLicense: R001138

Expertise.com Rating

Review Sources

Google
5.0 (36)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Koch Insurance Agency, Inc., is an independent insurance company serving clients in Palm Coast and the surrounding areas. The products offered by the company include personal and business car insurance plans. Koch Insurance Agency strives to make its policies tailored to its customers' needs. They can also include coverages such as medical payment reimbursement and custom audio equipment installation. The insurance companies that the agency works with include The Hartford, Safeco, Travelers, Mercury, and Progressive Insurance.

  • RV & Motorhome
  • Boats

814 A1A North, Palm Coast, FL 32082
WebsiteLicense: L084723

Expertise.com Rating

Why choose this provider?

Sonic Insurance is an independent insurance agency that is dedicated to helping clients choose suitable policies via thorough screenings of multiple carriers. Handling personal and commercial insurance, its team also offers auto insurance for vehicle owners. Sonic Insurance provides coverage for property damages and body injuries acquired from accidents. Additionally, the company offers coverage for boats, motorcycles, and recreational vehicles such as ATVs. Sonic Insurance serves Palm Coast and the rest of Florida.

  • Multiple Carriers

926 Summit Street, Crescent City, FL 32112
WebsiteLicense: L045089

Expertise.com Rating

Review Sources

Google
4.6 (25)
Facebook
4.8 (25)

Why choose this provider?

Reiter Insurance Agency, Inc. is a multi-line insurance management company that has been serving the Palm Coast metro and the surrounding communities for more than 100 years. Operating since 1895, the independent insurance agency assists individuals and businesses in attaining financial security for their vehicles in the form of an auto insurance policy. Its agents work with multiple providers to create a customized insurance policy that best fits their clients' needs and resources. They also offer insurance options for motorcycles and recreational vehicles.

  • Bundling Option

1 Florida Park Drive South, Palm Coast, FL 32137
WebsiteLicense: L090537

Expertise.com Rating

Review Sources

Google
4.8 (31)
Facebook
3.7 (3)
Yelp
1.0 (1)

Why choose this provider?

First Florida Insurance is an agency located in Palm Coast that offers customized auto insurance policies. It was established in 1995 and is known by its clients as an agency that they can run to when they get turned down by their previous insurance agent. Its agents help clients find the most fitting coverage and prices from a selection. They also offer online car insurance quotes, comprehensive motorcycle insurance, and RV insurance coverage. First Florida Insurance builds long-term relationships with clients based on trust and personalized attention.

  • Multiple Carriers

105 Edwards Road, Palm Coast, FL 32091
WebsiteLicense: L037520

Expertise.com Rating

Review Sources

Google
4.9 (52)
Facebook
5.0 (11)

Why choose this provider?

Hometown Insurance Agency serves the personal and business insurance needs of clients in Palm Coast, including car insurance policies and coverages. The company's agent-owner, Sabrina Roberts, has more than 25 years of insurance expertise and has formed solid partnerships with more than 50 insurance carriers. The company's team of agents assists in shopping for the best combination of coverage and price. They help clients decide which insurance company and plan is a good fit based on current individual needs.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Palm Coast Insurance
2298 Colbert Lane, Palm Coast, FL 32137
Integrity Insurance Group
5182 North Oceanshore Boulevard, Palm Coast, FL 32137
Conser Insurance
21 Old Kings Road North, Palm Coast, FL 32137
Flagler County Insurance Agency
12 Office Park Drive, Palm Coast, FL 32137
Boudreaux Insurance Agency
720 South Atlantic Avenue, Ormond Beach, FL 32176
Stephanie Lempesis
13453 North Main Street, Palm Coast, FL 32218
Coastal Palm Insurance Agency
2 Pine Lakes Parkway North, Palm Coast, FL 32137
James Cimorelli
160 Cypress Point Parkway, Palm Coast, FL 32164
East Coast Insurors - Palm Coast
4845 Belle Terre Parkway, Palm Coast, FL 32164
Koch Insurance Agency, Inc.
50 Leanni Way, Palm Coast, FL 32137
Sonic Insurance
814 A1A North, Palm Coast, FL 32082
Reiter Insurance Agency
926 Summit Street, Crescent City, FL 32112
First Florida Insurance - Palm Coast
1 Florida Park Drive South, Palm Coast, FL 32137
Hometown Insurance Agency
105 Edwards Road, Palm Coast, FL 32091

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.

  • How does an umbrella policy work with your auto insurance in Palm Coast?

    In Palm Coast, excess liability coverage, also known as umbrella insurance, can protect your assets. It may also cover lawsuit defense, attorney fees, and other litigation-related expenses. Losses resulting from a serious accident can quickly exceed your policy's coverage limits. In these cases, umbrella insurance is an essential addition to any insurance portfolio, especially if you have multiple valuables. There must be auto restrictions.

  • Is it necessary to acquire additional insurance coverage when adding new features like stereos, sunroofs, or a truck cap to your vehicle in Palm Coast?

    Yes, standard insurance policies in Palm Coast only cover factory-installed stereos, not after-market audio upgrades or installations. When you make after-market modifications to your vehicle, you should consult with your insurance provider or an independent agent to ensure that your policy coverage still meets your needs and budget. You may need customized auto insurance to pay for extra features in your vehicle at times.

  • What is the average cost of auto insurance in Palm Coast?

    Drivers in Palm Coast pay an average of $34 in insurance premiums per month, compared to the rest of Florida. The estimated monthly costs of Palm Coast vehicle insurance coverage are about $9 higher than the national average. Car insurance companies, on the other hand, take several factors into account when calculating the premium you will pay to insure your vehicle, such as age, driving history, gender, and car type and model. Furthermore, credit scores can influence the total monthly cost of coverage.

  • Should you modify your auto insurance policy if you intend to move to Palm Coast?

    If you are considering relocating to Palm Coast, you should review your insurance policy. Because Palm Coast has unique local regulations, varying crime rates, and specific parking conditions, it is likely that changes to one's auto insurance policy will be required, as these factors can significantly influence insurance costs. You can compare quotes from various insurance companies using online tools, which is a good way to find the best rate for your upcoming move.

  • In Palm Coast, what can you do to reduce your insurance premiums?

    You can help yourself save money on auto insurance in Palm Coast by driving safely. A clean driving record, free of citations and accidents, lowers the cost of auto insurance significantly.You can also inquire about discounts, as some insurers provide discounts for safe drivers, vehicles with anti-theft features, loyal customers, and digital payments. Furthermore, you can combine policies to save money on each one.

  • 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.