Florida roads can be unpredictable — from coastal highways and crowded city streets to sudden summer storms. That’s why your auto insurance shouldn’t just meet the state’s minimum requirements — it should protect your lifestyle, your assets, and your future.

At Waterfront Insurance, we make Florida auto insurance simple, affordable, and personal. We represent top-rated carriers and shop the market to find the best combination of coverage, discounts, and value for every driver.

Florida law requires that every driver carry a minimum amount of coverage, but those limits often fall short in the event of an accident or major loss. Our job is to help you understand what’s required — and what’s smart to have.

We specialize in policies for:

• Everyday drivers and families
   
• High-value vehicles and luxury autos
   
• New Florida residents transferring coverage
   
• Drivers with claims or limited history
   
• Multi-vehicle and bundled policy discounts
   

Whether you’re commuting through Tampa Bay, exploring the Gulf Coast, or managing multiple vehicles across the state, our advisors make sure you’re fully protected — not over-insured, not under-insured.

Your Florida auto policy typically includes several coverage types, each serving a specific purpose:

Coverage Type What It Does Personal Injury Protection (PIP)Required in Florida (“no-fault” coverage). Pays your medical bills and lost wages after an accident, regardless of who’s at fault. Property Damage Liability (PDL)Required in Florida. Covers damage you cause to another person’s vehicle or property. Bodily Injury Liability (BIL)Recommended. Pays for injuries you cause to others in an accident (not required by law, but crucial for asset protection).Uninsured/Underinsured Motorist (UM/UIM)Protects you if you’re hit by someone with little or no insurance — a common issue in Florida. Comprehensive Coverage Pays for damage from theft, vandalism, hail, flooding, or hitting an animal. Collision Coverage Covers repair or replacement costs if your car is damaged in an accident, regardless of fault. Rental Reimbursement / Roadside Assistance Optional. Covers rental cars or towing when needed. 

We tailor each policy to fit your driving habits, vehicle type, and risk tolerance — so you’re not paying for coverage you don’t need.

Florida is a no-fault insurance state, meaning your own PIP coverage pays for injuries after most accidents, regardless of fault. The minimum requirements under Florida law are:

• $10,000 Personal Injury Protection (PIP)
   
• $10,000 Property Damage Liability (PDL)
   

However, most experts (and lenders) recommend higher limits and adding Bodily Injury Liability and Uninsured Motorist Coverage, which provide essential financial protection in serious accidents.

Our team ensures your coverage meets both state law and lender requirements, especially for leased or financed vehicles.

Florida’s auto insurance costs are among the highest in the nation due to weather, fraud, and uninsured drivers — but we know how to minimize your cost without sacrificing protection.

Factor Impact Location Coastal and urban ZIP codes (e.g. St. Pete, Tampa, Miami) have higher claim frequencies. Driving record Clean history earns better rates. Vehicle type & value Higher repair or theft risk increases premiums. Mileage & use Long commutes vs. pleasure use affects pricing. Credit score / insurance score Impacts rating tiers with many carriers. Coverage limits & deductibles Higher limits or lower deductibles increase cost. Discounts & bundles Multi-policy, safe-driver, and pay-in-full discounts help offset rate increases. 

We constantly monitor Florida’s evolving insurance market to find new savings opportunities for our clients.

Bundle Home + Auto – Save up to 25% when you combine your home, auto, or umbrella policies with the same carrier.
Safe-Driver Discounts – Earn lower rates with a clean record or telematics-based programs.
Multi-Vehicle Policies – Insure multiple cars on one policy for instant savings.
Good-Student Discounts – Lower premiums for full-time students with strong grades.
Paperless, Pay-in-Full, or EFT Discounts – Easy ways to trim annual costs.
Annual Review – We shop your policy before each renewal to keep your coverage competitive.

At Waterfront Insurance, you’ll never have to chase quotes or negotiate renewals alone — we handle that for you.

✔ Local Expertise – We understand Florida’s insurance laws, carrier trends, and risk zones.
✔ Multiple Carriers, One Contact – We compare top-rated companies so you don’t have to.
✔ Personalized Service – Direct access to licensed agents who live and work in your community.
✔ Fast Claims Support – We help you file, track, and resolve claims quickly.
✔ Smart Bundling – Combine auto, home, and boat coverage for maximum protection and discounts.

Get fast, accurate quotes from leading Florida auto insurers — all with one call. Whether you’re insuring your first car or managing a fleet of vehicles, we’ll help you find coverage that fits your budget and your lifestyle.

Waterfront Insurance – Smarter Coverage for Florida Drivers.