Florida Auto Insurance

Florida law requires all drivers to carry minimum auto insurance, but the right coverage goes far beyond the legal minimum. At B & B Insurance Agency, we've been helping Lantana, West Palm Beach, and Palm Beach County drivers find comprehensive, affordable auto insurance since 1998. As an independent agency, we don't work for a single insurance company. We compare rates from trusted carriers like Progressive, Bristol West, and others to find you the best coverage at the best price. That means you get the protection you need without overpaying. Whether you're insuring your daily commuter, a family vehicle, or a classic car, our experienced agents will walk you through your options, explain what's covered, and help you customize a policy that fits your budget and lifestyle.

Florida is a no-fault insurance state, which means your own insurance pays for your injuries regardless of who caused the accident. The state requires minimum coverage of: $10,000 in Personal Injury Protection (PIP) $10,000 in Property Damage Liability (PDL) However, these minimums often aren't enough to fully protect you. A serious accident can result in medical bills, vehicle repairs, and legal costs that far exceed minimum coverage limits. That's why our agents recommend reviewing your coverage annually and considering additional protections like collision, comprehensive, and uninsured motorist coverage.

Several factors influence your auto insurance premium in Florida. Understanding these can help you make informed decisions: Driving Record: A clean driving history typically means lower premiums. Accidents, tickets, and DUI convictions can significantly increase your rates. Vehicle Type: Newer, more expensive vehicles cost more to insure. Safety features and anti-theft devices can help lower your premium. Location: Where you live in Palm Beach County matters. Urban areas like West Palm Beach may have higher rates due to traffic density and theft risk. Credit History: In Florida, insurers can use your credit-based insurance score to help determine your rate. Coverage Levels: Higher coverage limits and lower deductibles mean higher premiums, but they also mean better protection when you need it. Our agents can help you find discounts you might be missing, including multi-policy bundling, safe driver discounts, and more.