Sanford Car Insurance

Everything You Need to Know About Car Insurance in Sanford, FL

Find the right car insurance policy for you.


Sanford is a charming city located on the southern shores of Lake Monroe. In this quaint Florida city, you’ll find Seminole State College, the Central Florida Zoo, and dozens of shops, restaurants, and lakefront walking trails. Sanford is often called the “Historic Waterfront Gateway City” and it sees a steady flow of traffic from both Orlando and Daytona Beach. Local drivers have to deal with busy roads and congested traffic year-round, so make sure you’re prepared with the best Sanford car insurance.

Our Independent Insurance Agents offer Sanford drivers one-on-one assistance in the search for affordable car insurance. Whether you’re a first-time driver or you’ve been behind the wheel for decades, our experienced agents can help you find the most reliable coverage options and budget-friendly rates on auto insurance. 

  • National Average Cost Per Year: $1,311
  • Florida Average Cost Per Year: $1,742
  • #5 Most Expensive Auto Premium in the U.S.

High car insurance rates can pose a major challenge to drivers in Sanford and across the Sunshine State. Your personalized rate will be determined by your age, the make and model of your car, and your driving record. our insurance agents can help you find significant savings on your annual premiums by matching you with discounts for safe driving, bundled coverages, or security upgrades. Our friendly agents work hard to get every driver the lowest possible rate. In fact, you’ll receive quotes on multiple policies, giving you the chance to compare the cost and benefits of each plan before you select the car insurance policy that is right for your vehicle. 

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 persons injured in an accident, and $10,000 for any resulting property damage. Keep in mind that if the cost of an accident exceeds your coverage limit, you’ll have to pay the difference out of pocket. Sanford drivers always have the option to buy additional coverage, a smart investment that can equal major savings if you ever get into a serious accident.


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

Number of Uninsured Motorists in Florida

  • How many US drivers are uninsured: 12.6%
  • How many Florida drivers are uninsured: 23.8%

Even though Florida law requires drivers to be insured, studies show that nearly one-fourth of drivers are uninsured. If you get into an accident with an uninsured driver, you could get stuck paying for your own car repairs out of pocket. The best way to avoid this financial burden is by choosing a car insurance policy that includes coverage for accidents involving uninsured motorists. 

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

In a peaceful community like Sanford, auto theft seems unlikely. Unfortunately, cars get stolen even in the safest American cities. As you shop for auto insurance, make sure you choose a policy that includes coverage for car theft. Then you’ll have peace of mind that you’re covered if your car is stolen. You can file a claim and receive the compensation you need to buy a new vehicle without relying on local police to track down your missing car. 

Find a Great Sanford Car Insurance Policy

Sanford drivers can’t afford to skimp when it comes to car insurance, but finding the best policy can be an overwhelming task. Our independent insurance agents make the process easy by offering one-on-one support along the way. Our agents will answer your questions, explain your coverage options, and help you design a customized auto insurance policy that will offer maximum protection at a minimal price. 

Contact an agent today to get a free rate quote on Sanford auto insurance. 

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