Get Competitive Insurance Quotes in Florida Today
Compare auto, home, business, and specialty coverage from multiple providers. Save money with personalized insurance quotes in Florida tailored to your needs. A Plus Insurance helps you find the right protection at the best rates.
Why Choose A Plus Insurance for Your Florida Insurance Quotes
Finding the right insurance quotes in Florida can be challenging. As an independent brokerage, we work with multiple top-rated carriers to compare coverage options and find you the best value. Whether you need auto, home, business, or specialty insurance, our experts simplify the process.
Multi-Carrier Comparison
We shop multiple insurance companies simultaneously, saving you time and ensuring you get the most competitive insurance quotes in Florida for your specific situation.
Expert Guidance
Our licensed agents understand Florida’s unique insurance requirements and can help you navigate complex coverage options, including SR22 filings and hurricane protection.
Personalized Service
We take time to understand your needs and budget, providing tailored recommendations rather than one-size-fits-all solutions for your insurance quotes in Florida.
Florida Insurance Requirements & Regulations
Understanding Florida’s minimum insurance requirements is essential when comparing insurance quotes in Florida. The state has specific mandates that affect your coverage options and costs.
Auto Insurance Minimums in Florida
Florida requires all drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL). While bodily injury liability isn’t mandated by the state, it’s highly recommended for additional protection.
| Coverage Type | Minimum Requirement | Recommended Coverage | Average Annual Cost |
|---|---|---|---|
| Personal Injury Protection (PIP) | $10,000 | $10,000 – $50,000 | $150 – $400 |
| Property Damage Liability (PDL) | $10,000 | $50,000 – $100,000 | $200 – $500 |
| Bodily Injury Liability | Not required* | $100,000/$300,000 | $300 – $700 |
| Uninsured Motorist | Not required* | Match liability limits | $100 – $300 |
*While not legally required, these coverages are strongly recommended for financial protection. For comprehensive auto insurance options, explore our dedicated page.
Homeowners Insurance Considerations
When seeking insurance quotes in Florida for homeowners coverage, several unique factors affect your rates:
- Hurricane Risk: Florida’s coastal location increases windstorm and flood risks
- Construction Type: Concrete block homes typically have lower rates than frame construction
- Roof Age: Newer roofs (under 10 years) often qualify for discounts
- Flood Zones: Additional homeowners insurance may be required in high-risk areas
Florida Insurance Market Analysis
Understanding market trends helps you make informed decisions when comparing insurance quotes in Florida. The data below shows average annual premiums across different coverage types and regions.
Regional Variations: Insurance quotes in Florida vary significantly by location. Coastal areas like Miami typically have higher premiums due to increased hurricane risk and population density. Inland regions often offer more affordable rates while maintaining comprehensive coverage options.
Frequently Asked Questions About Insurance Quotes in Florida
Get answers to common questions about obtaining and comparing insurance quotes in Florida.
To secure competitive insurance quotes in Florida, maintain a clean driving record, bundle multiple policies, increase deductibles responsibly, and shop through an independent brokerage like A Plus Insurance that compares rates from multiple carriers. Also consider usage-based insurance if you drive less than average.
Key factors include your location (coastal vs. inland), driving record, credit score, vehicle type, coverage limits, and deductible choices. For homeowners insurance, construction type, roof age, and proximity to flood zones significantly impact insurance quotes in Florida.
Standard homeowners policies don’t cover flood damage. Given Florida’s hurricane risk and numerous flood zones, flood insurance is recommended for most properties, especially in coastal areas. We can help you explore options through the National Flood Insurance Program or private carriers.
An SR22 is a certificate proving you carry required auto insurance after serious violations like DUIs or at-fault accidents without insurance. While shopping for insurance quotes in Florida with SR22 requirements, expect higher premiums for 3-5 years. We specialize in finding affordable SR22 insurance options.
Review your insurance quotes in Florida annually or after major life events (moving, marriage, new vehicle). Market conditions change, and loyalty discounts may not offset better rates available elsewhere. We provide annual reviews to ensure you always have optimal coverage at competitive rates.
Comprehensive Insurance Solutions for Florida Residents
Beyond standard auto and home coverage, we provide specialized insurance quotes in Florida for unique needs and situations.
Business Insurance
Protect your Florida business with liability, property, and workers’ compensation coverage. Get competitive business insurance quotes tailored to your industry.
Motorcycle & RV Insurance
Specialized coverage for motorcycles, RVs, ATVs, and other recreational vehicles. Explore recreational vehicle insurance options with Florida-specific protections.
Non-Owner Auto Insurance
Coverage when you frequently drive but don’t own a vehicle. Essential for rideshare drivers or those regularly renting cars. Learn about non-owner insurance options.
High-Risk Auto Insurance
Solutions for drivers with violations, accidents, or coverage lapses. We specialize in finding affordable options when others say no. Check high-risk insurance possibilities.
Florida-Specific Coverage Considerations
When evaluating insurance quotes in Florida, consider these state-specific factors:
Hurricane Deductibles: Many Florida homeowners policies have separate, higher deductibles for hurricane damage (typically 2-5% of dwelling value). Understand this when comparing insurance quotes in Florida.
Windstorm Mitigation Credits: Florida offers discounts for hurricane straps, impact-resistant windows, and reinforced garage doors. These can significantly reduce your insurance quotes in Florida.
Florida No-Fault System: Florida’s auto insurance system requires PIP coverage regardless of fault in accidents. This affects how you structure your auto insurance quotes in Florida.
Last Updated on by Brian Muse