Best Auto Insurance Quotes in Florida

We are the most trustworthy auto insurance agents in Florida with an eye for quality. Find the most straight forward coverage for your vehicle with our strong network of premium insurance companies. Coverage starts as low as $49 a month with flexible payment programs.

Finance aspects

Every state expects you to possess some financial responsibility in order to drive a car.


Florida Requires PIP with a $1000 deductible and PD Liability coverage of $10,000


Without insurance, your license can be suspended and can cost you time and money


We can get you insured over the phone today and we provide immediate proof of insurance

Reliability and Service

Auto insurance digi is your very own full-service insurance agent that completely understands you. Allied with some of the leading insurance companies, we come with powerful and reasonably priced insurance packages designed just for you.

Our plans also cover extra services, wonderful payment plans, money-savings and much more. The finest auto insurance policy for your motor vehicle is available with our experts, at the least of prices.

Approach our agents for the cheapest standard or basic auto insurance, PIP/PD insurance, FR44 insurance, SR22 insurance and much more. Our Florida Insurance experts are knowledgeable and experienced in all areas of insurance. Whether it is basic insurance to get you on the road or full coverage options, we have you covered.

Flexible Coverage Options for Florida Auto Insurance

You must get an auto insurance policy that comprises of every conceivable option.Not everyone can afford expensive insurance and whether it’s a basic policy with just PIP or PD, to full coverage with bodily injury of 100/300. We search top-rated insurers to find you the best price available in your area. Through our extensive network, we are able to provide quotes from multiple companies that compete for your business.

auto insurance payment plans

We have payment plans starting as low as $49 a month.

auto insurance at low cost

Payment plans are available with a low down payment.

Flexible auto payment policy

Flexible auto policy payment schedule for people with a fixed income.

Choosing the coverage

  1. You have the opportunity to work with a professional who will advise on needs, policy coverage and limits of coverage
  2. It also deems the maximum payout that an insurance company will provide in the event of a mishap
  3. You can actually choose the bodily injury liability according to the limits available
  4. Choose the best policy considering your budgets and individual circumstances
  5. You can get a basic insurance quote by getting in touch with our representative

Basic Insurance for Florida to get you on the road PIP/PD

PIP and PD is the minimum cover that you will need in order to own and drive a car in the state of Florida.

Personal Protection

Personal Injury Protection with a $1000 deductible


Florida does not require you to have BI (Bodily Injury) coverage on a policy. However, if you have assets like a house or substantial income, you should protect yourself with the appropriate coverage.

Damage Liability

Property Damage liability with a $10,000 limit

PIP and PD

In addition, while using a PIP and PD Policy you have an accident that causes bodily injury, then you may be required to get bodily injury coverage and SR22.Keep it on file with the State of Florida for 3 years.

What is Full Coverage Auto Insurance in Florida?

Generally, the term is used when we are speaking of comprehensive and collision coverage on your Florida Auto Policy.

Whether your car is damaged due to an accident or stolen, full coverage has you protected.

If your car is financed, then the lien holder will require you to have full coverage on the vehicle with a $500 deductible in order to protect the lender from any loss.

Without this insurance, your car may be repossessed. Please make sure you contact your finance company to see what limits they will accept in such circumstances.


Choose a deductible of $500, $1000 or more

Insurance plan

Covers cars in accident or theft ,Whether at fault or not at fault


Covering the limits in accordance with your uninsured motorist policy that you choose

Bodily Injury Liability Coverage Florida

When you have Bodily Injury (BI) Liability coverage and cause an accident, you can protect yourself from any injuries inflicted to the other person (s). The coverage will help you pay off any medical expenses due to causative physical harm that you might have inflicted on the others as a result of the accident.

This, cheap auto insurance quote, nevertheless, does not recompense your medical expenses. You may need a Medical Payments Auto Coverage policy to pay off your medical arrears.

BI Coverage

Bodily injury does not cover you but only others that may be injured as a result of an accident caused by you.

Auto Insurance Plans

So, if you cause bodily injury to another person or multiple persons, you have coverage of up to $50,000 for each person and up to $100,000 for an accident.

BI Quotes

BI is quoted by two numbers.The first number is the person and second number denote per accident value.

Other options

Call us to find out about other options such as 10/20/10 auto insurance, 100/300 auto insurance, 50/100 auto insurance and non-standard auto insurance plans.

Uninsured Motorist Coverage in Florida

In Florida, Uninsured Motorist Coverage is an optional coverage you can purchase on your own auto insurance policy. Uninsured Motorist coverage is for you and your relatives who live with you, and people who occupy your car. UM pays you for injuries caused by an auto accident where the at-fault driver is uninsured (has no insurance) or under-insured driver (not enough insurance). UM coverage can be used where you or your family members or driver of your car did not cause the auto accident.

What is Covered under Uninsured Motorist Coverage?

UM coverage pays for things like:

Medical bills

Long term nursing care

Lost wages and disability


Loss of the future enjoyment of life

Wheelchairs and medical devices

Pain & suffering

Medical payments auto for Florida

Otherwise known as Med Pay, the Medical Payments Auto Insurance, helps you pay for the hospitalization, medical expenses and even funeral expenses that could be incurred by you, in case of an accident. The coverage comes regardless of faults.

Rental reimbursement and Towing and Labor


Both Rental Reimbursement and Towing and Labor are optional insurances


The cost of car rental is reimbursed if you are unable to use the vehicle due to loss


Typically, it is provided in combination with a Comprehensive and Collision coverage


The supplemental coverage that reimburses emergent towing costs, if you are unable to drive the vehicle.

FR44 in Florida

Must be first name insured

No excluded drivers

Have a case number

-BI must be at 100/300.


SR22 in Florida

Case number start with a 1,3,or 5

First named insured on policy

No excluded drivers

Requires 10/20/10 BI

Can be financed

SR22s ( non-cancellable policy)

Case number starts with a 2

First named insured on policy

No excluded drivers

Only Requires PIP/PD

Must be paid in full

Ride-sharing Insurance Uber and Lyft

Ride-sharing companies have developed a new market for insurance. We offer a range of affordable auto products for Uber and Lyft drivers. These ride-sharing policies must be used instead of personal auto and therefore, it is important to tell us what you need. Using a personal policy on an Uber or Lyft may negate coverage should a claim arise. Please let the agent know what you are looking for in a ride-share policy. This way we will search the top-rated carriers to find you the best price.

Commercial Vehicles

If you use your auto for business, you must have a commercial auto policy. Certain cargo vans and trailers that are used for commercial auto must also be insured. Without protecting your vehicle with commercial insurance, you are opening yourself to the risk of significant financial loss tied to your business. The liability limits tend to be higher for commercial auto policies. Amount of commercial liability corresponds to your business type, the fleet, assets and the financial strength of the company

When you’re getting a quote for commercial auto insurance

These are terms you may encounter when you’re getting a quote for commercial auto insurance, whether you’re getting a price over the phone or at one of our many stores.


The process by which the commercial auto insurance company determines whether it will approve your application for insurance. During the underwriting process, an underwriter looks at the risks associated with getting an insurance for your business’s vehicles. The underwriting process may also help determine your premium amount.

Named Insured

The name of the business or person who owns the insurance policy.

Permissive User

Anyone who is driving a covered auto and has been given your permission to do so. If a permissive user is involved in an auto accident while driving, your insurance may provide the same coverage as if you were behind the wheel, but the level of coverage will depend on your state.


Fleet vehicles are rated differently than non-fleet vehicles. This definition may vary depending on your state and insurance company, but in general, you may be considered to have a “fleet” if you have at least three passenger type vehicles. Some companies require you to have at least five vehicles, and others, only two. Delivery services, construction companies, and taxi services are a few examples of industries that may contain a fleet of vehicles.

Policy Term

The length of time your policy is active. With Direct Auto, commercial policy terms are available for 6 and 12 months.

Combined Single Limits (CSLs)

Unlike most personal car insurance policies that have individual limits for bodily injury and property damage liability, a commercial policy will generally have a combined single limit. The result is higher limits for both bodily injury and property damage coverage. The most common commercial auto CSLs for small businesses, according to the III, are $500,000 and $1,000,000.

Fire and Theft CAC

The “CAC” part of this type of coverage stands for, “combined additional coverage.” Fire and theft CAC applies to physical damage or loss that occurs as a result of events like fire, lightning, explosion, theft, hail, earthquakes, floods, vandalism, collision with an animal, or damage that occurs while being transported by a third party.

Garaging Location

The place where the insured vehicle is primarily parked when you’re not using it. This is typically your business address, but not always. For instance, you may park your flower delivery vans in a gated parking lot a few blocks away from the shop where you do business.

Gross Vehicle Weight (GVW)

Some states have specific insurance requirements for business vehicles of a certain weight and type, which is why your insurance agent may ask you for the gross weight of your business vehicles. The GVW is the total weight capacity of a fully loaded vehicle. The easiest way to find it is in the manufacturer’s general info for the vehicle. Or, you can calculate it by adding the weight of the vehicle to the max weight of a load that could be carried by the vehicle.

Temporary Substitute Auto

A temporary substitute auto is any auto used by the insured or an employee, with the permission of the owner, as a substitute for an insured auto that is unavailable for normal use because of servicing, repairs, or loss.

Why us

Regardless of your insurance history, approach our experts to evaluate the most comprehensive and the most affordable car insurance. With quality on our mind, we provide car owners and drivers the best policy that suits your requirement. We possess the capability of offering multiple discounts, several modes of payment, low down payments and least monthly payments. Our skilled professional consultants are available online and on the phone 24 x 7 to support you


The information published on our website solely depend on the policy information available to us from the insurance policy provider. Hence, will not be liable for any claims that may arise as a result of purchase of an insurance policy on our website.