+1(551)946-0005
Contact
Stellar Re Auto Insurance.
Easy, low-cost, and worry free.
Auto Insurance
Get the wheels rolling on your Florida car insurance. Collisions, theft, and damage to our vehicles can wreak economic havoc on households. Make sure to legally protect yourself against financial loss with affordable auto insurance that will help cover auto repairs and related medical costs for yourself and others.
All Florida Drivers are Required to Carry Auto Insurance
In order to register a vehicle in the #1 state for car accidents, the law requires that all drivers take out a minimum car insurance policy and carry it on them at all times. Failure to show valid proof of auto insurance in Florida may result in a fine or suspension of your license.
What Does Florida Auto Insurance Cover?
Typical Florida auto insurance covers bodily injury liability, property damage liability, medical payments, no-fault or personal injury, uninsured motorist, comprehensive physical damage, and collision.
Bodily Injury Liability
Yes. Stellar Re Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.
Uninsured Motorist
Pays for injuries and property damage caused by uninsured or hit-and-run drivers. Some policies also offer underinsured motorist coverage for cases in which the at-fault driver has insufficient insurance.
Medical Payments, No-fault, or Personal Injury
Covers, in most circumstances, the medical expenses of the driver and passengers of your car as the result of a covered accident, regardless of fault.
Property Damage Liability
Provides you with protection and legal defense if your car damages another person's property.
Comprehensive Physical Damage
Covers damage to your car from theft, vandalism, flood, fire, and other hazards.
Collision Coverage
Pays for damage to your car when it hits or is hit by another object.
Can I Still Get Coverage With a Record of Accidents, Speeding Tickets, or DUIs?
New in State? Know Your Florida Car Insurance Laws
Each state has its own unique laws regarding car insurance. Let’s take a look at Florida’s auto insurance laws and regulations.
FLORIDA NO-FAULT LAW
The Florida No-Fault law requires that owners of motor vehicles carry PIP (personal injury protection). Not doing so may result in penalties.
FLORIDA TAG REQUIREMENT
Drivers who are moving to Florida from out of state have 30 days to obtain a new registration on their vehicle.
FLORIDA INSURANCE REQUIREMENT
The Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires that all drivers carry proof of valid car insurance on them at all times. Failure to do so may result in a fine.
FLORIDA FINANCIAL RESPONSIBILITY
The Florida Financial Responsibility Law requires that drivers with records of serious accidents resulting in injury to others, repeated offenses, or DUIs carry full liability auto insurance.
Collision vs. Comprehensive: What's the Difference?
Collision insurance in Florida protects your vehicle against damages caused by accidents.
Comprehensive insurance protects your vehicle against damages from causes unrelated to collisions, namely theft and hurricane damage (a common Floridian culprit).
How Much is Car Insurance in Florida?
The average auto insurance rate in Florida is $1,878 per year –
31.6% higher than the U.S. average. Let’s look at the factors that affect Florida insurance premiums.
AGE
16-year-olds, on average, rake in annual premiums of $5,983.92. The least expensive age group are the 50-year-olds, with yearly premiums of around $1,640.71.
MARITAL STATUS
Married couples have the lowest premiums, followed by widows. Single and divorced individuals average the same yearly premiums.
DRIVING VIOLATIONS
High-risk drivers have the highest premiums, with DIUs as the most expensive offense.
CREDIT SCORE
Drivers with exceptional credit scores save up to $1,889.03 yearly.
COVERAGE/ DEDUCTIBLE
Lower coverage, higher premiums.
What is the Minimum Required Auto Insurance Coverage in Florida?
Legally, in order to register a vehicle in Florida, drivers must carry a minimum of $10,000 Personal Injury Protection (PIP) coverage and $10,000 Property Damage Liability (PDL) coverage.
Florida Car Insurance Frequently Asked Questions
Florida auto insurance can be confusing. Don’t do it alone.
Our agents are here to answer all of your questions.
FLORIDA NO-FAULT LAW
In the event that you file a claim to your insurance company, the deductible is the agreed upon amount of money that you must pay out-of-pocket before your policy kicks in. The higher the deductible, the lower your regular insurance payments.
What are Florida Teen Driving Laws?
Florida has a graduated licensing system, which means that before acquiring full driving privileges, teens between the ages of 15-17 must first learn to drive safely accompanied by a parent, legal guardian, or adult over the age of 21 with a valid driver's license.
- At the age of 15, teens can apply for a learner's permit.
- Teens may only drive during daylight hours for the first 90 days.
- After a year of driving experience and an accumulated 50 hours of driving experience (10 of which must be at night), teens may apply for a driver's license.
- At age 16, licensed teenagers may only drive between 6:00 AM-11:00 PM.
- At age 17, the allowed driving period is extended to 5:00 AM-1:00 AM.
- At age 18, most driving restrictions are lifted.
Why Buy Auto Insurance from a Local Agent?
Finding the perfect car insurance on your own can be a daunting process. At Stellar Re, our agents do all the groundwork for you. In addition to being able to find the most competitive rates for your specific needs, agents are also available 24/7 to respond to all of your insurance inquiries.
What Questions Should I Ask My Car Insurance Agent?
Agents are always available to clarify any doubts you might have about the insurance process one-on-one. To get started, consider asking him/her the following questions:
- What discounts are available to me? (student, good driver, marriage, multiple policy, etc.)
- How much can I realistically afford to pay in an accident given my current finances?
- Does my insurance company have a good service reputation?
- Who should I call to file an insurance claim?
- What happens after I file a claim?
How Do I Get in Contact with a Stellar Re Agent?
Simply call +1(551)946-0005 or complete our online quote request form. A Stellar Re auto insurance agent will reach out to you shortly to help you find the best deal.