Florida auto insurance companies are the car insurance providers offering vehicle insurance for cars registered in the State of Florida. FL is known as the Sunshine State, after its world renowned semi-tropical climate. Warm sunny days, dusk showers, and a lifestyle that attracts people from all over the world. This has lead to a rapid population growth making Florida the third, or fourth largest state in the United States. Its resorts are the largest, and the highway system carries millions of autos every day – hence our page on auto insurance companies in Florida.

Our philosophy about covering this subject is to make it a bit more fun and interesting, than just talking collision damage, liability and comprehensive. All to make the dry field of car insurance companies a bit more fun for our users. No doubt that auto insurance takes a large chunk out of the family and home budget, so why not try to bring at least some levity to this costly subject that most of us would just as likely prefer to ignore or at least avoid. In the end, however, auto insurance is a really serious subject – a necessity to avoid catastrophic loss and of course to comply with the minimum requirements for vehicle ownership and registration. In Florida, drivers are required to carry at least both personal injury protection and property damage liability coverage. For the most current requirements, we recommend checking the state website at the link provided her below.

So, first a bit out the Sunshine State. It is huge, extending 447 miles from north to south, and over 65,000 square miles in area. Geographically speaking, it is distinct. A peninsula jutting out from the Southeastern United States, between the Atlantic Ocean and the Gulf of Mexico. The panhandle runs along the southern borders of Georgia and Alabama and forms the north shore of the state, anchored by Panama City. At the southern tip, the Everglades provides a natural wonder and the Florida Keys run for a hundred miles ending in Key West at the end of the causeway. The state capitol is Tallahassee, and the largest metro areas are the Miami – Boca – Ft. Lauderdale – West Palm Beach urban zone in the southeast, Tampa – St. Petersburg area in the West, Jacksonville in the North, and Orlando – Winter Park in the middle.

Those are the vital statistics for the state, but what about Mickey Mouse? Of course, Florida is the number one vacation destination in the United States, if not the entire world. Theme park central is in the Orlando area, with Disney World, Epcot, Universal, Sea World, Animal Kingdom. Also, there is Busch Gardens in Tampa. Palm Beach, Miami Beach and Key West are other major tourism destinations. Think of all the rental cars leased to vacationers and the insurance they buy on the car rentals – a tie in to the Auto Insurance Companies coverage of this site!

The state is also known for its major universities, including the University of Florida system, the Florida State University System, and the University of Miami, a private university.

Continuing with the topic at hand, Florida auto insurance companies are the companies that offer auto insurance and other forms of vehicle insurance to vehicle and automobile owners in Florida. As in other states, owners of registered vehicles are required to carry car and auto insurance. That is where auto insurance companies in Florida come in. Here, our goal is to cover direct insurers, not brokers, cutting out brokerage fees that may be chargeable up front or potentially incorporated in insurance premiums. By researching online for FL auto or car insurance, you can compare insurance rate quotations from more than one company – often not incurring a fee for an insurance agent – in the insurance premium. Our understanding is that often lower insurance rates can be found via online quotes, such as by searching or reviewing the insurers identified in the listings provided here.

Among the leading Florida car insurance companies are:

• Geico
• Esurance
• State Farm
• AARP
• Progressive

A good technique to research and consider the purchase of plans from leading insurers such as these is to go to their quote pages and then compare the auto insurance rate quotes that they provide after filling in their forms. Often this is available essentially instantly. A good way to go directly to their pages is to check the ads listed on this page, which often go direct to the leading providers. What you find typically is a search box that first asks for your zip code. The reason that a zip code is needed is because car insurance rates are inherently local, so providing the zip enables them instantly to provide local info. Once you do that zip entry, you will see a listing of the leading auto insurance companies for that region. For example, the insurance rates in Cocoa Beach likely are lower than for downtown New York City for similar drivers because of generally lower incident rates (like thefts or rates of collisions). Another good resource found online is the Florida Department of Highway Safety and Motor Vehicles website, after all they are the ones setting the rules for vehicle insurance requirements in the state. Their website is found here. On that page, you can use the search box and type in “insurance” to find information about the current vehicle insurance requirements in Florida.

In summary, our philosophy is that consumers can learn something about the state and also save on vehicle and auto insurance by searching for and comparing online the leading Florida auto insurance companies, such as using an a quick zip code search.