This way to coverage you can trust – AAA Auto Insurance for Florida
AAA has been serving America's drivers for over 100 years. Our motor club services are legendary and provide you with the peace of mind you need while on the road. Our insurance offerings and innovative policy features provide exceptional value. Because of who we are and our longstanding tradition of exceptional service, you will find your insurance experience with AAA Insurance much different than what you have come to expect with other insurance companies.
We pride ourselves on providing you with the best overall value you will find for your automobile and property insurance needs. We have established a tradition of service and savings, which you have come to expect from AAA.
AAA affiliated companies offer a full line of auto insurance options for you and your family:
Liability – Pays when you are legally liable for unintentional bodily injury. It also covers others’ property damage.
No-Fault Coverage – Some states require no-fault insurance. The major component of this type of coverage is Personal Injury Protection (PIP) insurance, which pays without regard to fault for medical, work loss and other expenses resulting from auto accident injuries.
Collision – Pays for physical damage to your vehicle caused by a collision.
Comprehensive – Coverage for non-collision related losses, such as fire, theft, glass breakage and vandalism.
Uninsured/Underinsured Motorist – Pays damages you are legally entitled to recover from an uninsured or underinsured motorist.
Custom, Electronic or Extra Equipment Coverage – Get coverage or higher limits of coverage for non-factory installed items attached to your vehicle.
Car Rental Coverage – Pays for car rental if your car is out of service for more than 24 hours from a loss covered by your Collision or Comprehensive coverage.
Medical Payments – Covers medical and funeral expenses resulting from injuries in an auto accident.
Discounts
Ask your agent about discounts available to cut your auto insurance costs, including:
- ✓ AAA Drive
- ✓ Paperless
- ✓ Payment Plan
- ✓ Advance Purchase
- ✓ Claim Forgiveness
- ✓ Life Insurance Discount
- ✓ Vehicle Safety Inspection
Deductible
Your deductible, the portion of your claim you agree to pay before your insurance company pays, can be adjusted. The higher your deductible, the lower your auto insurance premium.
Repairs
AAA can make vehicle repairs less of a hassle by recommending a AAA Approved Auto Repair facility in your area.
All AAA Approved Auto Repair facilities are thoroughly screened to ensure honesty, quality, reliability, fair pricing, cleanliness, and shop expertise.
You’ll get a written estimate, as well as a lifetime guarantee on the workmanship of all incident-related vehicle repairs.
Why AAA?
With auto insurance through AAA, you’ll enjoy great auto insurance value and personal service, plus some great extras, such as:
- Superior Claim Service: Should you ever need to make a claim, experienced AAA claims service representatives are available to help 24 hours a day, 7 days a week, 365 days a year, with industry-leading claims service.
- Disappearing Deductible: Reduces the Comprehensive and Collision deductible $50 on each vehicle every term you are claims free*.
- AAA Membership discount
- Small Claim Forgiveness: A benefit that prevents your policy premiums from increasing due to small claims – under $250 if you are at fault or under $750 for all other claims.
* Available on the Ultimate Plan only.
Availability of policy and coverages are subject to underwriting criteria. Policies underwritten by Auto Club South Insurance Company.
FAQs
AAA roadside assistance in Florida is provided by Auto Club South, AAA Carolinas, and the Auto Club Group, which can provide residents in Florida with towing, battery jump-starts, tire changes, winching, fuel delivery, lockout services, and more.
Can I use my Florida car insurance in another state? ›
Can you have out-of-state car insurance? Most auto insurance policies in the U.S. will cover you when driving in all 50 states and Canada. However, you cannot buy out-of-state car insurance. In most cases, you need to buy car insurance in your state of residence.
Who is the cheapest auto insurance in Florida? ›
The cheapest car insurance companies in Florida
- Cheapest company for minimum coverage: Geico.
- Cheapest company for full coverage: Progressive.
- Cheapest company for drivers with prior incidents: Allstate.
- Cheapest company for young drivers: Allstate.
Before you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance.
Is AAA good in all states? ›
Does AAA work out of state? Yes, you can call AAA for Roadside Assistance from anywhere in the United States.
Does AAA cover me anywhere in the US? ›
Yes, you can use AAA road service anywhere in the US and Canada.
What is the new insurance law in Florida in 2024? ›
Effective Date: July 1, 2024 with some provisions effective on May 13, 2024, the day Governor DeSantis signed the bill. Allows surplus lines insurance companies that meet certain financial requirements to take out policies from Citizens for dwellings that are not primary residences or homestead properties.
Why is Florida car insurance so expensive? ›
Car insurance in Florida is expensive because the state has a high number of accident claims, no-fault laws, and the highest percentage of uninsured drivers in the country. In Florida, you can expect to pay approximately $6,685 per year for full coverage car insurance or $2,313 per year for minimum coverage.
Is Florida a reciprocal states for insurance license? ›
This means out-of-state adjusters can apply for a resident license in Florida or Texas. Once the state of Texas or Florida issues your adjuster license, you can apply for licenses in more than 30 other states offering a reciprocal license or accepting Texas and Florida as designated home states.
What is the best car insurance for seniors in Florida? ›
The Best Car Insurance for Seniors in Florida
- State Farm : Best Pay-Per-Mile Insurance.
- The Hartford/AARP : Best for AARP Members.
- Progressive : Best for DUIs.
- Allstate : Best for Bundling Home and Auto.
- Geico : Lowest Premiums.
Compare Florida Auto Insurance
| Best Car Insurance in Florida | Our Score | Industry Standing |
|---|
| Geico | 9.3 | 9.5 |
| Travelers | 9.5 | 9 |
| State Farm | 9.2 | 9.2 |
| Progressive | 9.4 | 9.7 |
1 more rowAug 28, 2024
Key Takeaways: Geico is best for you if you're simply looking for the cheapest option, as the provider has a cheaper average rate estimate in 82% of states across the U.S. Progressive is best for you if you're looking for more coverage options, add-ons and customizations.
Can you have out of state car insurance in Florida? ›
While most car insurance policies in the U.S. will cover you when driving in all 50 states and Canada, you can't buy out-of-state car insurance. In most cases, you're required by law to buy car insurance in your state of residence.
What is considered full coverage insurance in Florida? ›
Therefore, the State of Florida's minimum requirements for auto insurance coverage are $10,000 for Personal Injury Protection (PIP) and $10,000 for property damage liability (PDL). If you carry those coverages, you have what is considered “full coverage” in the sunshine state.
What is the bare minimum car insurance in Florida? ›
Minimum Insurance Requirements in Florida
Regardless, it's important that Florida drivers know the mandatory insurance requirements that apply statewide. The minimum requirements for auto insurance coverage are: $10,000 for personal injury protection (PIP) $10,000 for property damage liability (PDL)
Is AAA good in Florida? ›
AAA is an AM Best rated company. They are committed to customers in Florida, and this package policy was created with Floridians in mind.
Does AAA exist in Florida? ›
The Auto Club Group serves residents and members in all or parts of Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Carolina, North Dakota, Puerto Rico, South Carolina, Tennessee and Wisconsin. Locate AAA services in other regions.
Can I use AAA on vacation? ›
Plus, as a AAA member, you will enjoy exclusive savings and discounts on everything from passport services to cruises, tours and vacations. Whether you're looking for a relaxing beach getaway or an adventure-packed trip, AAA can help you plan the perfect vacation that fits your needs and budget.
How much does it cost for AAA in Florida? ›
AAA offers three basic types of Membership, ranging in price from $64.99 to $124.99 per year. Some benefits vary, but all Memberships include 24/7 emergency roadside assistance, DMV/MVD services**, trip planning by travel experts, and discounts at 80,000+ hotels, restaurants, movie theaters, and more.
