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Florida Auto Insurance That Goes the Extra Mile

Drive with peace of mind. Our family-run agency finds the right coverage for Florida’s roads, so you can focus on the journey ahead.

What Our Auto Insurance Covers

Stay protected against the unexpected, wherever you drive in Florida. We tailor every policy to fit your vehicle, lifestyle, and budget.

Liability Coverage

Meets Florida’s state minimums and protects you if you’re responsible for injuries or property damage.

Personal Injury Protection (PIP)

Covers medical expenses, regardless of fault, as required by Florida’s no-fault law.

Comprehensive Coverage

Protection from theft, vandalism, storms, flooding, and non-collision incidents.

Collision Coverage

Pays for repairs if your car is damaged in an accident, no matter who’s at fault.

Uninsured/Underinsured Motorist

Added security if you’re hit by a driver with little or no insurance.

Rental Car & Roadside Assistance

Optional coverage for extra convenience and peace of mind on the road.

Why Auto Insurance Matters in Florida

Florida’s roads come with their own set of challenges: severe weather, heavy traffic, and one of the highest rates of uninsured drivers in the country. The right auto insurance protects your finances, keeps you legal, and gets you back on the road quickly after a claim.


  • Experience With All Types of Drivers
    New drivers, families, commuters, high-value vehicles—custom policies for every need.

  • Savings Strategies That Work
    Safe driver, multi-policy, and good student discounts to lower your costs.

  • Fast, Friendly Claims Support
    We’re with you through every step—from filing to resolution.

  • Statewide Coverage
    Whether you’re in Sunrise, Tampa, Orlando, or anywhere in Florida, we help you navigate the rules and risks unique to your area.

AUTO INSURANCE

Frequently Asked Questions

  • What are Florida’s minimum auto insurance requirements?

    Florida requires drivers to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Additional coverage is recommended for better protection.

  • How can I lower my auto insurance rates in Florida?

    Consider bundling policies, maintaining a clean driving record, and asking about available discounts like safe driver or good student programs.

  • What does “no-fault” mean for Florida drivers?

    Florida’s no-fault system means your own insurance covers medical costs after an accident, regardless of who was at fault.

  • Do I need uninsured motorist coverage in Florida?

    While not required, uninsured/underinsured motorist coverage offers valuable protection given Florida’s high rate of uninsured drivers.

  • Can I get auto insurance with a past accident or ticket?

    Yes! We work with multiple carriers to help drivers of all backgrounds find affordable coverage.

Protect Your Vehicle Today

Whether you’re driving across the state or commuting in Sunrise, you deserve coverage that travels with you. With American Insurance Agency, you get:


  • Personal guidance from a local, family-run team
  • Multiple carriers to compare options and rates
  • Claims support from people who care

Let’s find the right policy for your car, your needs, and your budget.

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