Car Insurance in Lake Mary, FL

The rate of uninsured drivers in Florida is 26.7%, which is more than double the current national average of 13%. Having enough car insurance to protect yourself is even more important when roughly one in four drivers on the road doesn't carry any of their own. But car insurance is essential to guard you and your vehicle against many disasters beyond others on the road.

An independent insurance agent can equip you with all the car insurance you need to feel safer behind the wheel. They'll ensure that you get coverage long before you ever have to file a claim. But for starters, here's a breakdown of car insurance in Lake Mary, FL.

Best Car Insurance in Lake Mary, FL

You'll want to work with a local independent insurance agent to find the best car insurance available in Lake Mary, FL. Local agents are familiar with many carriers in your area, so they know which companies offer the coverage you need at the most affordable rate. Even better, they know where to find the discounts you qualify for. 

Independent insurance agents in Lake Mary, FL can simplify your insurance journey by offering you several options together in one place. They'll hook you up with quotes and more. They can even help you apply for and maintain your policy and file claims down the road.

What Does Car Insurance Cover in Lake Mary, FL?

To determine which types of car insurance work for you, consider your specific needs. You'll want to assemble a policy that encompasses every kind of coverage that fits.

Standard car insurance coverages include:

• Liability coverage: This covers your liability if you cause property damage or bodily injury to others with your vehicle.
• Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault. 
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft.  
• Uninsured motorist coverage: If you get into an accident with an uninsured or underinsured driver, this covers you. With such a high rate of uninsured drivers in Lake Mary, FL, it's critical to discuss this coverage with your agent.

Work with your independent insurance agent in Lake Mary, FL to pick the best coverages for you. They'll know how to build a policy that meets your needs.

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How Much Does Car Insurance Cost in Lake Mary, FL?

Car insurance in Lake Mary, FL is much more expensive than the national average, and the high rate of uninsured drivers in the area reflects that. Currently, car insurance rates in Florida average $1,742 annually, which is considerably higher than the national average of $1,311 per year. Florida overall ranks fifth-highest in the nation for car insurance premiums. 

Is Car Insurance Required in Lake Mary, FL?

The state of Florida has fewer minimum car insurance coverage requirements than many other states. 

The minimum car insurance required in Lake Mary, FL:

• Property damage liability: Coverage of at least $10,000 per incident of property damage liability is required.
• Personal injury protection: Coverage of at least $10,000 in personal injury protection is also required. This coverage reimburses for injuries to yourself and your passengers if you're at fault for an accident.

Florida does not require its drivers to carry bodily injury liability, but it's another coverage to discuss with your independent insurance agent. Bodily injury liability protects you if you cause physical harm to another driver, pedestrian, etc. 

What Are the Best Car Insurance Companies in Lake Mary, FL?

Car insurance is available from many major and local carriers in Lake Mary, FL. But we've assembled a list of just a few of our top recommendations for your convenience.

Best Car Insurance Companies in Lake Mary, FL	Star Rating
Progressive
Nationwide
Travelers
Foremost
PURE

Why Work with an Independent Insurance Agent in Lake Mary, FL?

There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Florida to find you the right coverage at a great price.