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What to Keep in Mind When Assessing Florida Insurance Quotes

As of June 30, 2011, Florida hosted 1,006 property & casualty insurance carriers. With such competition, drivers have no problems getting Florida insurance quotes and their options for Florida insurance quotes range from nationally known insurance carriers to locally owned companies.


As a no-fault state, Florida requires all Florida insurance quotes to include $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). For personal passenger drivers, these are the only two coverages required for Florida insurance quotes. Florida insurance quotes designed for personal passenger taxi drivers must include PIP and PDL coverage, as well as bodily injury liability limits of no less than $125,000 per person, $250,000 per accident with $50,000 in property damage.

Top Florida Insurance Quotes

With so many insurance carriers in the state, it may be hard to decide which carriers to get your Florida insurance quotes from. To assist drivers with their Florida insurance quotes, the Florida Office of Insurance Regulations provides an annual list of its top 20 carriers for Florida Insurance quotes and policies. Carriers on this top 20 list of Florida insurance quotes and providers include:

  • State Farm
  • Progressive
  • Allstate
  • USAA
  • Liberty Mutual
  • Mercury Insurance

All of these aforementioned carriers maintain an online presence which allows drivers to obtain their Florida insurance quotes online. These providers also maintain insurance offices throughout the state to allow drivers to obtain Florida insurance quotes in person.

Current Affairs on Florida Insurance Quotes

Even with the minimum requirements, Florida insurance quotes can seem pricey. However, analysis by the Florida Office of Insurance Regulations shows a gradual decline in overall Florida insurance quotes since 2006. This decline is reflective of the slow decline in PIP and uninsured motorist claims. While some Florida areas may encounter higher Florida insurance quotes than other areas, overall, Florida insurance quotes are stabilizing.

Your Florida Insurance Quotes

Finding the best Florida insurance quotes for you involves more than shopping for the best rates. As you shop your Florida insurance quotes, consider each company’s overall performance, service and stability. Sure, you don’t want to choose the most expensive Florida insurance quotes but you do want to select Florida insurance quotes with stable companies that will be there for you when you need them.