• FLORIDA AUTO INSURANCE
Auto Insurance in Florida Made Fast, Simple and Affordable
Compare real car insurance quotes online and find the right coverage for your vehicle in minutes. No email. No cell phone number. No spam.
No calls. No spam. Compare real insurance rates without entering your email or
cell phone number. Get your quote in minutes.
30+
Years Serving Florida
$0
Required up front
5+
Carrier partners
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Quote in minutes
No Email Required
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UNDERSTANDING COVERAGE
Get a Florida Auto Insurance Quote Without the Usual Hassle
Shopping for auto insurance should not mean sharing your contact details before you even see your rates. SunKey makes it easier for Florida drivers to compare car insurance quotes quickly and privately.
Whether you need basic coverage, full coverage car insurance, collision auto insurance, or help finding affordable auto insurance, SunKey helps you move from search to quote without the usual friction.
What is auto insurance? Auto insurance helps protect you financially if your vehicle is involved in an accident, damaged in a covered event, or causes damage to someone else’s property. The right policy helps cover medical expenses, repairs, liability costs, and more – depending on the coverage you choose.
SIMPLE PROCESS
How It Works
Get your Florida auto insurance quote in four simple steps. No email. No cell
phone. Just fast results.
Enter Basic Info
Tell us your ZIP code, vehicle year, make, and DOB.
Enter Basic Info
Tell us your ZIP code, vehicle year, make, and DOB.
Enter Basic Info
Tell us your ZIP code, vehicle year, make, and DOB.
Enter Basic Info
Tell us your ZIP code, vehicle year, make, and DOB.
FLORIDA LAW
What Are Florida Auto Insurance Laws?
Florida drivers are required to carry minimum auto insurance coverage to legally drive and register a vehicle. There are no exemptions – regardless of your driving history.
$10,000 Personal Injury Protection (PIP)
Covers your medical expenses after an accident regardless of fault - required by Florida law.
$10,000 Property Damage Liability (PDL)
Covers damage you cause to another person's vehicle or property in a covered accident.
Florida is a No-Fault State
Your own policy helps cover certain medical costs after an accident, regardless of who caused it. That is the minimum - many drivers choose more protection for better financial security.
Types of Auto Insurance Coverages
What We Cover
Auto Insurance
Auto insurance includes more than Florida's minimum required coverage. It is often a better fit for drivers who want stronger protection for their own vehicle and greater financial security after an incident.
Auto Liability
Helps cover damage you cause to another person's property in a covered accident.
Personal Injury Protection
Required in Florida. Helps cover certain medical expenses after an accident.
Collision Auto Insurance
Helps pay for repairs to your vehicle after a covered crash.
Comprehensive Insurance
Helps protect your car from covered non-collision events like theft, vandalism, or storm damage.
Partial Coverage Insurance
Partial coverage is a lower-cost policy built around Florida's minimum required coverage with limited add-ons. It meets the legal requirement and is the most affordable entry point for insured driving.
Uninsured Motorist Insurance
Helps protect you if you are involved in an accident with a driver who has little or no insurance. Florida has one of the highest rates of uninsured drivers in the United States - this coverage matters.
SR-22 Insurance
An SR-22 is a form filed with your state to show that you are meeting your state's minimum auto liability insurance requirements. SunKey works with carriers that handle SR-22 filings quickly and affordably.
High-Risk Auto Insurance
Have a DUI, multiple violations, or a lapse in coverage? High-risk drivers still have options. SunKey works with non-standard carriers including Assurance America, Kemper, and National General to find you coverage.
Stay Protected
Florida Non-Compliance Penalties
Driving without required insurance in Florida can lead to major problems – including suspension of your license and registration, plus expensive reinstatement fees. Getting covered now is always better than dealing with penalties later.
Reinstatement Fees: $150-$500
You will pay fees to have your driver license and registration reinstated.
SR-22 Requirement
Depending on your violation, Florida may require you to maintain an SR-22 certificate for up to three years.
OUR DIFFERENCE
Why Choose SunKey
No Email or Cell Phone Required Up Front
Most quote platforms ask for your email and cell phone before you even see a rate. We skip that entirely. Start your quote, compare real options, and decide if you want to move forward.
Fast Quote Experience
SunKey AutoRater is built for speed. Enter basic driver information, choose your coverage, and see real quote options in minutes.
Compare Between Leading Insurance Brands
SunKey makes it easy to compare rates and coverage options between leading insurance brands like GEICO, Progressive, Travelers, and more all in one place. That means less time jumping from site to site and a simpler way to find the policy that fits your needs.
Simple, Transactional Experience
No high-pressure sales calls. No endless email follow-ups. Just a clean, simple quote experience designed to help you compare rates, choose a policy, and move on with your day.
SUNKEY AUTORATOR
Our Purpose-Built Quoting Platform
SunKey AutoRater is our fast, private auto insurance quoting platform – our purpose-built solution for Florida drivers who want a quote without the hassle.
Simply enter your driver information, select the level of protection you want, and see real quotes from Florida’s top carriers in minutes – not hours or days.
No email or cell phone required to start
Compare rates from 5+ Florida carriers
Real, bindable quotes - not estimates
All Florida coverage types including SR-22
You can get auto insurance in Florida through SunKey’s online quote process.
SunKey lets you compare quotes without entering your phone number or email upfront.
No. You can start your quote without sharing your email or cell phone number first.
SunKey can help with liability, PIP, collision, comprehensive, uninsured motorist, full coverage, and SR-22-related options.
Yes. SunKey can help you compare full coverage car insurance options.
Yes. SunKey helps Florida drivers compare affordable auto insurance options online.
Yes. SunKey offers a quick quote process so you can compare options faster.
Florida drivers need Personal Injury Protection and Property Damage Liability at minimum.
Yes. SunKey can help drivers explore options for high-risk auto insurance.
Drivers choose SunKey because the quote process is fast, simple, and private.
READY GET STARTED?
Get Your Florida Auto Insurance Quote Now
Compare real car insurance rates from Florida's top carriers. No email. No cell
phone. Just fast, accurate quotes in minutes.
Car Insurance
Collision Coverage
Comprehensive
Uninsured Motorist
High-Risk Auto
Full Coverage
SR-22 Insurance
Affordable Auto