The top-rated auto insurance agent in Destin, Florida is Dave Morrow: Allstate Insurance, rated 4.9 stars across 220 reviews. Other highly rated options include Liufau McCall Insurance Group, Lucleon Insurance, The Baldwin Group (formerly Affordable Home insurance). This directory lists 15 auto insurance agents serving Destin.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dave Morrow: Allstate Insurance | 3997 Commons Dr W Ste H | (850) 650-0600 |
| 2 | Liufau McCall Insurance Group | 36008 Emerald Coast Pkwy Suite 601B | (850) 460-7490 |
| 3 | Lucleon Insurance | 305 Mountain Dr Ste G | (850) 361-2882 |
| 4 | The Baldwin Group (formerly Affordable Home insurance) | 4008 Legendary Dr Suite 400 | (850) 654-1567 |
| 5 | Health Care Exchange | 225 Main St Ste 12 | (850) 376-3459 |
| 6 | Jim Liufau - State Farm Insurance Agent | 36008 Emerald Coast Pkwy Ste 401 | (850) 837-1329 |
| 7 | Norton Insurance of Florida | 4012 Commons Dr W STE 118 | (850) 244-1574 |
| 8 | Aqua Bay Insurance | 4507 Furling Ln STE 201 | (850) 269-0686 |
| 9 | Asshield Insurance | 415 Mountain Dr STE 3 | (850) 684-0164 |
| 10 | Acentria Insurance | 4634 Gulfstarr Dr | (850) 650-1950 |
Dave Morrow: Allstate Insurance serves the Destin, Florida area as a local auto insurance agent. The agency provides standard auto insurance coverage for area drivers. They assist customers in selecting appropriate liability limits and comprehensive protection. Policy options often include coverage for uninsured motorists, which is relevant for Florida roadways. The agency also handles rental reimbursement services and roadside assistance plans for local policyholders.
Liufau McCall Insurance Group provides auto insurance coverage tailored to the needs of drivers in and around Destin, Florida. Their service offerings include policy reviews and claims assistance designed to help clients manage risk and maintain continuous protection. They offer regular plan evaluations to adjust coverage as driving habits or vehicle values change. The agency serves individual vehicle owners as well as those who require coverage for commercial fleets, property management vehicles, and driver pools, such as those for local apartments, retail centers, and restaurants.
Serving Destin, Florida, and the surrounding communities along the Emerald Coast, Lucleon Insurance handles auto insurance coverage for local drivers. They assist clients with personal auto policies, addressing typical needs such as liability, collision, and comprehensive protection. The agency works to match each driver with a policy that fits their specific driving habits and vehicle type. To accomplish this, they begin by reviewing a client’s current coverage and driving history, then compare available options to recommend a suitable plan.
Homeowners, renters, and drivers in need of personal insurance find coverage through The Baldwin Group, a local auto insurance agent in Destin, Florida. Formerly operating as Affordable Home Insurance, the agency helps clients select appropriate policies to protect their vehicles and meet state requirements. They guide customers through coverage options, helping to explain deductibles and liability limits common in the coastal region. Service is extended to nearby communities throughout Okaloosa County, including parts of the Fort Walton Beach metro area.
Health Care Exchange in Destin, FL connects clients with specialty policies for classic and high-value vehicles, while also assisting with standard auto insurance coverage to meet state requirements and personal needs. The agency evaluates factors such as driving history and vehicle type to find suitable protection plans. Drivers concerned about hurricane season impacts on their vehicles receive guidance on comprehensive and collision coverage options for storm-related damage.
Jim Liufau - State Farm Insurance Agent in Destin, FL offers both one-time policy quotes and ongoing coverage management for auto insurance clients. The agent helps drivers select liability, collision, and comprehensive options tailored to individual needs and local driving conditions. Personalized consultations ensure clients understand their deductibles and limits before committing. Service appointments are available on an as-needed basis for policy adjustments, claims assistance, and annual coverage reviews.
Norton Insurance of Florida in Destin serves as a local provider of auto insurance policies for drivers across the region. The agency helps clients navigate coverage options, including liability and collision plans, to meet state requirements. Policies are tailored to protect vehicles against common roadside risks. Drivers also appreciate personalized consultations designed to clarify deductibles and coverage limits. For added protection, the agency can bundle comprehensive roadside assistance coverage onto any new or existing policy.
As Destin's tourist season brings heavier traffic and new hazards to local roads, Aqua Bay Insurance helps area drivers review their coverage to stay protected. Operating as an auto insurance agent in Destin, Florida, the agency guides clients through policy options that suit different commuting and lifestyle needs. They work to explain terms and limits clearly so customers can make informed decisions. To begin this process, they schedule a convenient initial consultation to assess current coverage and discuss possible adjustments.
Asshield Insurance provides comprehensive personal and commercial auto insurance coverage to clients throughout the Destin, Florida area. The agency assists drivers with standard liability, collision, and comprehensive policies while also offering specialty add-ons such as roadside assistance and rental car reimbursement. Every policy is designed to comply with Florida’s specific no-fault insurance requirements and local traffic conditions. Commercial auto insurance packages are available for businesses operating offices, warehouses, and food service establishments, ensuring fleet vehicles and delivery drivers meet all regulatory and liability standards.
Acentria Insurance serves the Destin, Florida area as an auto insurance agent, helping drivers secure the coverage required by state law and personal needs. It assists clients in understanding their policy options and comparing quotes from multiple carriers. The agency can advise on what coverage is recommended for vehicles driven in the community. Its services include aiding with comprehensive coverage for storm-related damage and liability protection for the region’s busy roads.
What Does an a Auto Insurance Agent in Destin Cost?
Typical annual auto insurance costs in Florida range from $1,200 to $2,500 for minimum coverage and $2,000 to $4,000 for full coverage. Rates vary based on your driving record, vehicle type, age, and location in Destin. This is general information and does not constitute insurance advice.
About auto insurance agents in Destin
Auto insurance agents in Destin Florida help drivers find coverage that meets state requirements. Florida law mandates Personal Injury Protection (PIP) of at least $10,000 and Property Damage Liability (PDL) of at least $10,000. An agent can explain these rules and help you choose additional options like collision or comprehensive coverage.
Frequently Asked Questions
What are the minimum auto insurance requirements in Florida?
Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP covers medical expenses regardless of fault. PDL covers damage you cause to another persons property.
Do I need uninsured motorist coverage in Destin Florida?
Uninsured motorist coverage is not required by Florida law but is strongly recommended. It protects you if you are hit by a driver without insurance. Many agents suggest adding this coverage for extra financial protection.
How can an auto insurance agent in Destin help me save money?
An agent can compare quotes from multiple insurance companies to find a competitive rate. They can also identify discounts such as multi-policy, safe driver, or low mileage discounts. Working with an agent saves you time and ensures you understand your options.
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