Auto Insurance
Auto Insurance in Apopka, Kissimmee & Orlando, FL
Compare Florida Car Insurance Quotes With an Independent Agency
Shopping for auto insurance in Florida? The Insurance Store USA can help make the process easier.
Many drivers start looking for a new insurance company because their current policy no longer fits. Maybe the price went up, the service was not helpful, or they simply want to compare better options. As an independent insurance agency, we work with multiple carriers to help you review car insurance quotes and find coverage that fits your needs and budget — including SR-22 and FR-44 filings for drivers who need them.
Our agents are here to answer questions, explain your options, and help you feel confident about your policy. And if your needs change later, we can help you review your coverage again without starting over.
What Florida Law Requires
Florida is a no-fault state. To register a vehicle, you must carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Most drivers are not required to carry bodily injury liability, but without it you could be personally responsible if you injure someone in an accident. Lenders and lessors often require additional coverage, too.
State minimums are a starting point, not a recommendation. Your agent can help you decide what fits your car, your budget, and your risk.
SR-22 and FR-44 Filings
If you've been required to file an SR-22 or FR-44 in Florida, The Insurance Store USA can help. Our agents work with carriers that handle these filings and can get your certificate filed so you can get back on the road. Availability and pricing depend on your driving record and the carrier.
Auto Insurance Coverage Options
- Bodily Injury Liability: pays for injuries you cause to others.
- Property Damage Liability: pays for damage you cause to others' property.
- Personal Injury Protection (PIP): helps pay your medical expenses and certain lost wages, regardless of fault.
- Uninsured/Underinsured Motorist: helps protect you when the other driver has little or no coverage.
- Collision: helps pay to repair or replace your vehicle after an accident.
- Comprehensive: helps cover theft, vandalism, weather, and other non-collision damage.
- Rental reimbursement and roadside assistance: optional add-ons offered by many carriers.
Read our auto insurance guide:
What Are the Different Types of Auto Insurance Coverage in Florida?
Auto Insurance FAQs
Is auto insurance required in Florida?
Yes. To register a vehicle, you must carry $10,000 in PIP and $10,000 in PDL. Bodily injury liability is not required for most drivers, but it is worth discussing with an agent.
Is the state minimum enough?
For many drivers, no. PIP covers your own medical costs, and PDL covers only other people's property. Neither pays to repair your own car. An agent can help you compare options like bodily injury, uninsured motorist, collision, and comprehensive.
What is the difference between SR-22 and FR-44?
Both are certificates your insurer files with the state to prove you carry required coverage. An FR-44 is tied to certain DUI-related convictions and requires higher liability limits, typically for three years. Your agent can confirm which applies to you.
Can I get a quote if I need an SR-22 or FR-44?
Yes. We work with carriers that offer these filings. Availability and price depend on your driving record and the carrier.
Do you have Spanish-speaking agents?
Yes. Our bilingual agents serve customers at our Apopka and Kissimmee offices.
Se Habla Español
Nuestros agentes bilingües pueden ayudarle a comparar opciones de seguro de auto en Florida y encontrar la cobertura que mejor se adapte a sus necesidades y presupuesto. Llámenos hoy.
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What We Offer at
The Insurance Store USA
Auto Insurance
Auto insurance is legally required for all drivers. Choosing the right policy doesn't have to be complicated. The Insurance Store USA helps drivers compare car insurance quotes from multiple companies, so they can find coverage that fits their car, budget, and needs.
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