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HomeAuto Insurance AgentsFlorida › Fort Walton Beach

Find Auto Insurance Agents Near You in Fort Walton Beach, FL

Browse auto insurance agents serving Fort Walton Beach, Florida. Updated 2026-07-14.

The top-rated auto insurance agent in Fort Walton Beach, Florida is Harris Insurance Services, Inc., rated 4.9 stars across 1,089 reviews. Other highly rated options include Michael Cheney: Allstate Insurance, Direct Auto Insurance, Norton Insurance Of Florida. This directory lists 19 auto insurance agents serving Fort Walton Beach.

Showing 19 auto insurance agents in Fort Walton Beach, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Harris Insurance Services, Inc.123 Miracle Strip Pkwy SE(850) 244-2111
2Michael Cheney: Allstate Insurance7 Racetrack Rd NE(850) 974-3993
3Direct Auto Insurance250A Eglin Pkwy NE Suite A(850) 862-2274
4Norton Insurance Of Florida102 Beal Pkwy SW(850) 244-1574
5Jennifer Schweikert - State Farm Insurance Agent423 Racetrack Rd NE(850) 226-7949
6Courtney Simpson - State Farm Insurance Agent24 Eglin Pkwy NE(850) 863-9212
7Haven De La Costa Insurance Agency501 Mary Esther Cut Off NW #8(850) 496-2473
8GreatFlorida Insurance: Bryan Mcgehee745 Beal Pkwy NW Unit 3(850) 314-0111
9Acceptance Insurance242 Eglin Pkwy NE A(850) 204-3726
10Panhandle Insurance Agency98 Oakhill Ave(850) 610-1857
HI
123 Miracle Strip Pkwy SE
Harris Insurance Services, Inc.
Auto Insurance Agent · Fort Walton Beach, FL

Harris Insurance Services, Inc. serves the Fort Walton Beach and broader Okaloosa County area as a local auto insurance agent. The company assists drivers in securing primary liability coverage and physical damage protection for their vehicles. Their daily work involves comparing policy options from multiple carriers to help customers meet Florida’s mandatory insurance requirements. Beyond standard policies, this firm also handles claims support and detailed policy review for existing clients throughout northwest Florida.

MC
7 Racetrack Rd NE
Michael Cheney: Allstate Insurance
Auto Insurance Agent · Fort Walton Beach, FL

Michael Cheney: Allstate Insurance provides a full range of coverage options for personal vehicles, including liability, collision, and comprehensive protection. The agency helps clients understand their policy details and offers periodic policy reviews to adjust coverage as life circumstances change. It also assists with filing claims and explaining the claims process to policyholders in the Fort Walton Beach, FL, area. This agency services automobiles owned by individuals living in single-family homes, apartments, retail establishments, and restaurants.

DA
250A Eglin Pkwy NE Suite A
Direct Auto Insurance
Auto Insurance Agent · Fort Walton Beach, FL

Direct Auto Insurance provides personal and commercial auto insurance policies to drivers in and around Fort Walton Beach, Florida. It offers standard liability coverage, collision and comprehensive plans, and assistance with required state minimums. The agency also helps clients manage their policy renewals, adjust coverage after life changes, and file claims efficiently. It services single-family homes, apartments, retail shops, and local restaurants.

NI
102 Beal Pkwy SW
Norton Insurance Of Florida
Auto Insurance Agent · Fort Walton Beach, FL

Serving Fort Walton Beach and the surrounding communities of Okaloosa County, Norton Insurance Of Florida handles auto insurance agent needs, including personal policy reviews and claims assistance. Its team works with local carriers to help drivers meet Florida’s coverage requirements. After assessing each client’s driving history and vehicle type, it compares policy options to find a suitable level of protection. The agent then explains the coverage details and handles the paperwork for policy binding, ensuring the job is completed efficiently.

JS
423 Racetrack Rd NE
Jennifer Schweikert - State Farm Insurance Agent
Auto Insurance Agent · Fort Walton Beach, FL

Jennifer Schweikert - State Farm Insurance Agent serves homeowners, drivers, and local businesses in Fort Walton Beach, Florida. The agency assists customers with their auto insurance needs, helping them select appropriate coverage limits and deductible options. It also provides policies for renters and property managers who protect residential and commercial assets. Regular reviews of existing policies help ensure clients maintain adequate protection as their circumstances change. The agency also serves the nearby community of Destin and surrounding areas in Okaloosa County.

CS
24 Eglin Pkwy NE
Courtney Simpson - State Farm Insurance Agent
Auto Insurance Agent · Fort Walton Beach, FL

Courtney Simpson - State Farm Insurance Agent in Fort Walton Beach, FL, distinguishes between one-time policy purchases for short-term needs and recurring auto insurance coverage for ongoing vehicle protection. Auto insurance agents in this area assist clients in selecting liability, collision, and comprehensive options tailored to local driving conditions. Policies are managed through an initial setup followed by periodic renewals and adjustments. This service operates primarily on a recurring schedule with additional as-needed support for claims, policy changes, or coverage questions.

HD
501 Mary Esther Cut Off NW #8
Haven De La Costa Insurance Agency
Auto Insurance Agent · Fort Walton Beach, FL

Haven De La Costa Insurance Agency in Fort Walton Beach specializes in helping drivers find coverage that fits their specific needs, including liability, collision, and comprehensive options. The agency also works with clients to navigate routine policy adjustments and required documentation for local driving conditions. In addition, it can assist vehicle owners with evaluating protection during the busy summer tourist season, when increased traffic along the Emerald Coast often demands extra consideration for policy limits.

GI
745 Beal Pkwy NW Unit 3
GreatFlorida Insurance: Bryan Mcgehee
Auto Insurance Agent · Fort Walton Beach, FL

As the summer storm season intensifies along the Emerald Coast, Fort Walton Beach drivers often review their coverage for comprehensive protection against wind and flood damage. GreatFlorida Insurance: Bryan Mcgehee specializes in auto insurance policies tailored to local needs, helping residents meet Florida’s minimum liability requirements while exploring optional coverage for uninsured motorists. After a quote is provided, the agent schedules a brief vehicle inspection to verify the condition and confirm the policy details.

AI
242 Eglin Pkwy NE A
Acceptance Insurance
Auto Insurance Agent · Fort Walton Beach, FL

Acceptance Insurance serves local homeowners, businesses, and property managers in Fort Walton Beach, Florida, offering standard and non-standard auto insurance policies. It also provides coverage for motorcycles, RVs, and other recreational vehicles to meet diverse driving needs. The agency assists clients in tailoring liability limits and deductibles to fit their unique budgets and risk preferences. Drivers seeking SR-22 filings or low down payment options can find specialized support here. This agent also extends its personal coverage services to residents of nearby Mary Esther and Shalimar.

PI
98 Oakhill Ave
Panhandle Insurance Agency
Auto Insurance Agent · Fort Walton Beach, FL

Panhandle Insurance Agency specializes in helping clients across Fort Walton Beach, FL, secure appropriate auto insurance coverage. The firm also works to incorporate valuable add-ons such as roadside assistance and rental car reimbursement into standard policies. By analyzing individual driving habits and vehicle types, the agency matches policyholders with suitable levels of liability, collision, and comprehensive protection. Commercial sectors served by Panhandle Insurance Agency include local offices, warehouses, and food service establishments that require tailored vehicle insurance solutions.

EC
103 Hollywood Blvd NW suite c
Emerald Coast Insurance Agency
Auto Insurance Agent · Fort Walton Beach, FL
(850) 243-7196
emeraldcoastinsurance.net
TB
348 Miracle Strip Pkwy SW Ste 30-A
Term Brokers Insurance Services
Auto Insurance Agent · Fort Walton Beach, FL
(850) 864-2000
termbrokersinsurance.com
SM
240A Eglin Pkwy NE
Stephen McMullen: Allstate Insurance
Auto Insurance Agent · Fort Walton Beach, FL
(850) 243-7158
agents.allstate.com/stephen-mcmullen-fort-walton-beach-fl.html
SI
102 Beal Pkwy SW
Sullivan Insurance Of Nw Florida, Inc.
Auto Insurance Agent · Fort Walton Beach, FL
(850) 244-1574
dansullivaninsurance.com
RG
108 Eglin Pkwy SE
Russell Gunter & Associates Insurance
Auto Insurance Agent · Fort Walton Beach, FL
(850) 374-3262
rg-ins.com
GI
3 Racetrack Rd NW
Gulfside Insurance of FWB Inc.
Auto Insurance Agent · Fort Walton Beach, FL
(850) 243-0300
gulfsideinsfwbfla.com
WI
45 Eglin Pkwy NE
Waldorff Insurance & Bonding
Auto Insurance Agent · Fort Walton Beach, FL
(850) 581-4925
waldorffinsurance.com
SB
327 Racetrack Rd NE
Steve Baxter Insurance Agency
Auto Insurance Agent · Fort Walton Beach, FL
(850) 862-5797
stevebaxterinsurance.com/contact
FW
2018 Lewis Turner Blvd
Fort Walton Beach Insurance
Auto Insurance Agent · Fort Walton Beach, FL
(850) 862-8082
fortwaltonbeachinsurance.com

What Does an a Auto Insurance Agent in Fort Walton Beach Cost?

Typical auto insurance costs in Florida range from $1,200 to $2,500 per year for minimum coverage and $2,500 to $4,500 for full coverage. Rates in Fort Walton Beach may be slightly lower than in major cities but still above the national average due to high claim frequency and severe weather exposure. Factors like your driving record, age, and vehicle type will affect your specific premium. This is general information and not insurance advice.

About auto insurance agents in Fort Walton Beach

Auto insurance agents in Fort Walton Beach help drivers find coverage that meets Florida state requirements. Florida law mandates Personal Injury Protection (PIP) of at least $10,000 and Property Damage Liability of $10,000. Local agents can also explain options for uninsured motorist coverage and comprehensive policies tailored to the Gulf Coast area.

Frequently Asked Questions

What are the minimum auto insurance requirements in Florida?

Florida requires drivers to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). These minimums do not cover damage to your own vehicle or injuries to others beyond the limits.

How do I choose an auto insurance agent in Fort Walton Beach?

Look for an agent licensed in Florida with experience serving local drivers. Ask about their knowledge of Florida insurance laws and whether they offer policies from multiple carriers to compare rates.

Does Fort Walton Beach have higher auto insurance rates than other Florida cities?

Rates in Fort Walton Beach can be influenced by local traffic patterns and weather risks like hurricanes. Florida has some of the highest average premiums in the nation, but rates vary by driver history and coverage choices.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each auto insurance agent's credentials and current standing with your state Department of Insurance.