Budget Insurance Agency
Auto, Commercial Auto, Home, and Renters Insurance Agency in Macon, GA | - Budget Insurance Agency
- Budget Insurance Agency · Auto Insurance · Florida
Florida Auto Insurance,
Built for a No-Fault State
Florida works differently than most states — your own PIP coverage pays first, regardless of fault. We compare 12+ carriers to make sure you’re not just meeting the minimum, but actually covered.
★★★★★ Rated 4.8/5 on Google · No Pressure, Ever
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Florida auto insurance runs on a no-fault system — one of only 12 states that require it. Instead of the other driver’s insurance paying for your injuries, your own Personal Injury Protection (PIP) coverage pays first, regardless of who caused the accident. Florida requires $10,000 in PIP and $10,000 in Property Damage Liability (PDL) — but notably, Florida does not require Bodily Injury Liability coverage for most drivers, which means if you cause a serious accident, you could be personally on the hook for damages beyond your PIP limits.
Florida also consistently ranks among the most expensive states for car insurance — a combination of hurricane and flood risk, a high rate of uninsured drivers, and historical PIP-related fraud all push costs up. Rates vary a lot by city:
| City | Estimated Full Coverage (Annual) |
|---|---|
| Miami | $3,100 |
| Fort Lauderdale | $2,950 |
| Hialeah | $2,900 |
| Orlando | $2,600 |
| Jacksonville | $2,400 |
| Tampa | $2,400 |
Estimates based on regional data — your actual rate depends on your driving history, vehicle, and coverage choices.
Why Budget
Insurance shopping, minus the runaround
We’re not a call center reading a script, we’re your neighbors, doing the comparison work you don’t have time for.
Independent & Unbiased
We work for you, not one insurance company, so the recommendation is actually about your best rate.
35+ Years of Experience
Real expertise finding coverage that fits — not just the cheapest number on the page.
No-Pressure Process
Compare your options, ask questions, take your time. No hard sell, ever.
Fast & Simple
Get a real quote in minutes, online or on the phone with a licensed agent.
Coverage Options
Find the right coverage for where you are in life
Personal Injury Protection (PIP)
Required in Florida — $10,000 minimum coverage for your own medical bills, regardless of fault.
PIP pays 80% of covered medical expenses and 60% of lost wages after an accident, no matter who caused it — but you must seek treatment within 14 days to qualify for benefits.
Property Damage Liability (PDL)
Required in Florida — $10,000 minimum coverage for damage you cause to someone else’s property.
PDL covers repairs to another driver’s vehicle or property, but it won’t pay for damage to your own car — that’s what comprehensive and collision are for.
Bodily Injury Liability (BIL)
Not required for most Florida drivers — but going without it leaves you personally exposed.
Since Florida doesn’t mandate BIL, a serious at-fault accident could leave you personally responsible for injury costs beyond your PIP limits. Most agents recommend carrying it anyway.
Comprehensive & Collision
Optional, but critical given Florida’s hurricane and flood exposure.
Comprehensive covers storm damage, flooding, and theft; collision covers your own vehicle in an accident. Without either, storm and collision repairs come entirely out of pocket.
What Affects Your Rate
Every quote is personal — here's what goes into it
Driving History
Location & ZIP
Vehicle Type
Age & Experience
Credit History
Coverage Level
We Shop These Carriers So You Don’t Have To
10/10
Florida's minimum coverage — PIP and property damage
Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) to register and drive a vehicle in the state.
No BIL Required
Florida doesn't require coverage for injuries you cause to others
Unlike almost every other state, Florida doesn’t require Bodily Injury Liability for most drivers. That means if you cause a serious accident, you could be personally responsible for the other driver’s injury costs beyond what PIP covers.
How It Works
Three steps. No headaches.
1
Compare
Tell us a little about you — we shop 12+ carriers for your best rate.
2
Choose
Review your options with a real agent — no jargon, no pressure.
3
Get Covered
Finalize your policy and drive with confidence, often same-day.
Online Tools vs. A Local Agent
Fast isn't always the same as complete
| What matters | Online Quote Tools | Budget Insurance Agency |
|---|---|---|
| Speed | Instant | ✓ Minutes, by phone or online |
| Compares multiple carriers | Sometimes — often just one | ✓ 12+ carriers, every time |
| Catches coverage gaps | Rarely flagged | ✓ Reviewed by a licensed agent |
| Explains what you're buying | Self-service only | ✓ Real person, plain language |
| Follow-up if something's wrong | Call center queue | ✓ Direct line to your agent |
Real example: Amanda came to us after an online quote left out uninsured motorist coverage — critical protection in a hit-and-run or against an uninsured driver. One phone call fixed the gap and restructured her policy to save her over $600 a year.
Smart Savings
5 ways to lower your premium without cutting coverage
Bundle auto with home or renters coverage
Join a usage-based or telematics program if you're a safe driver
Raise your deductible if you have emergency savings
Compare rates every year to stay competitive
Ask about low-mileage or defensive-driving discounts
What Drivers Say
Real reviews from real customers
FAQs
Common questions about car insurance in Florida
Is Florida a no-fault insurance state?
Yes. Florida’s Personal Injury Protection coverage pays for your medical expenses after an accident, regardless of who caused it.
What is the minimum car insurance required in Florida?
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily Injury Liability isn’t required for most drivers, but it’s worth carrying anyway.
Why is car insurance in Florida so expensive?
High accident rates, a large share of uninsured drivers, hurricane and flood exposure, and historical PIP-related fraud all contribute to Florida’s above-average premiums.
Can I drive in Florida with out-of-state insurance?
If you become a Florida resident, you’re required to get a Florida-issued policy from a licensed insurer.
How can I get the cheapest car insurance in Florida?
Compare quotes from multiple carriers, maintain a clean driving record, ask about every available discount, and review your policy every year.
Where We Serve in Florida
Cities we serve across Florida
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