Palm Bay Car Insurance

Find the right car insurance policy for you.

Palm Bay is a hidden gem located in the heart of central Florida. With scenic waterfront dining and endless opportunities for golf and watersports, there is always something to do in the beautiful little city of Palm Bay, FL. The steady flow of traffic from tourists can get intense, so make sure you have the best Palm Bay car insurance before you get behind the wheel. Our Independent Insurance Agents offer Palm Bay drivers will total support in the search for affordable auto insurance. Our caring agents will take time to answer your questions, explain your coverage options and point you toward the best policies to protect your vehicle from Palm Bay’s most worrisome roadway threats.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • #5 most expensive auto premium in the U.S.

Florida’s car insurance rates rank among the highest in the nation, placing a serious financial strain on many drivers in Palm Bay. Our independent insurance agents can help you save money on your car insurance plan by providing multiple rate quotes and matching you with discounts for safe driving, security features or bundled coverage.

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

Florida requires all drivers to purchase car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. In most cases, Palm Bay drivers will opt to purchase additional coverage, a smart choice that can save you thousands of dollars in the long run if you are involved in an expensive accident. Our independent insurance agents can help you determine how much coverage you really need to adequately protect your car and your finances.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

Despite state laws that require drivers to have insurance across Florida, many still get behind the wheel without any coverage. This puts everyone at risk on a daily basis. Car accidents can be terrifying, but the situation will be even worse if the driver at fault is uninsured. You can take precautions to protect yourself by investing in uninsured motorist coverage.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

Auto theft is a constant threat across most of Florida, but Palm Bay is generally viewed as a low-crime, safe place to live and work in. Still, there are no guarantees that trouble won’t make its way into your neighborhood, so be prepared by choosing an auto insurance plan that includes coverage for stolen vehicles.

Find a Great Palm Bay Car Insurance Policy

If you’re shopping for affordable rates on Palm Bay auto insurance, our independent insurance agents can help. Our caring agents will help you navigate the complicated twists and turns of auto insurance and point you toward the most comprehensive car insurance options at affordable prices. 

Learn more about how you can save on auto insurance in Palm Bay by contacting an agent for a free quote today.

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