Find Low Cost Auto Insurance in Florida & Get a Free Quote Today!
Finding affordable car insurance in Florida shouldn’t be a hassle. At Colucci Insurance, we’ve spent over 35 years helping Florida drivers secure the protection they need at a price they can afford. As an independent agency, we do the shopping for you, comparing rates from numerous top-rated carriers to ensure you get the absolute best deal on cheap car insurance quotes in Florida—often with low down payments and easy monthly plans!
Don’t settle for one-company rates. Call us at 833-865-3380 or to submit an Online Insurance Quote Click Here.
Why Choose Colucci for Affordable Florida Auto Insurance Coverage?
We are committed to providing the best value and service for your Florida auto insurance needs. Here’s why Colucci Insurance stands out:
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Independent Advantage: We represent a vast network of insurance companies, not just one. This competitive environment is how we consistently find you the lowest possible Florida car insurance rates.
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35+ Years of Experience: Our decades of service mean we know the Florida market inside and out, ensuring you get expert advice and reliable coverage.
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A-Rated Trust: We are proud members of the Florida Association of Insurance Agents (FAIA) and maintain an A-rated membership with the Better Business Bureau (BBB).
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EZ Payments: We offer flexible options, including low down payments and customizable installment plans to make your coverage manageable.
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True Local Expertise: We are a real, local Florida agent. You’re working with professionals who understand the state’s specific insurance laws, not an out-of-state call center.
Understanding Florida's Mandatory Auto Insurance Requirements
Florida operates under a “No-Fault” system, meaning the state requires specific minimum coverages for all registered vehicles. We can help you meet these requirements while keeping your costs low.
Personal Injury Protection (PIP)- Florida No-Fault
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Requirement: $10,000 in PIP benefits.
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What it Covers: This coverage is primary for medical expenses, lost wages, and death benefits for you and your passengers, regardless of who is at fault in an accident.
Property Damage Liability (PDL)
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Requirement: $10,000 in Property Damage Liability insurance.
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What it Covers: Pays for damage your vehicle causes to another person’s property, such as their car, fence, or home, when you are legally obligated.
Need a quote for required coverage? Get your fast, free quote for low cost auto insurance Florida now: 833-865-3380.
Essential Optional Auto Insurance Coverages
While state minimums provide basic protection, considering optional coverage is crucial for true financial security. We can customize a plan with these key additions:
| Coverage Type | What it Protects | Why You Should Consider It |
| Bodily Injury Liability (BIL) | Injuries to others if you are at fault in an accident, including legal fees. | Highly recommended. Protects your assets from lawsuits arising from severe accidents. |
| Uninsured/Underinsured Motorist (UM) | Your injuries caused by a driver with no or not enough insurance. | Critical protection, as many Florida drivers have only minimum coverage. Can be “stacked” for multiple vehicles. |
| Comprehensive | Damage to your vehicle from non-collision events (theft, vandalism, fire, flood, glass breakage, etc.). | Required by most lenders. Essential for protecting your investment against common Florida risks. |
| Collision | Damage to your vehicle from colliding with another object (another vehicle, pole, fence). | Required by most lenders. Ensures you can repair or replace your vehicle after an accident. |
| SR22 & FR44 Insurance | Special filings required for drivers with specific serious violations (DUI, driving without insurance, etc.). | We specialize in these filings! We can get you compliant with the state and back on the road quickly. |
Serving Drivers Across Florida
We are proud to be your independent source for low cost car insurance quotes throughout the entire state. Whether you live in a major city or a surrounding community, we have a policy for you.
We offer affordable coverage in, but not limited to, the following areas:
- Central Florida: Tampa, Brandon, Plant City, Riverview, Temple Terrace, Thonotosassa, Lakeland, Ocala, Orlando, Gainesville
- Gulf Coast: St Petersburg, Clearwater, New Port Richey, Odessa, Oldsmar, Bradenton, Sarasota
- Southwest Florida: Fort Myers, Cape Coral
- Southeast Florida: Miami, Fort Lauderdale
- North Florida: Jacksonville, Tallahassee, Pensacola
Ready to find out how much you can save? Call 833-865-3380 or click this link Online Quote Request.
Related Insurance Products
In addition to personal auto insurance, we are a leading provider of: