Auto Insurance | Orion Star Insurance Agency
Auto Insurance

Coverage That
Drives With You

Whether you're driving across Florida or hitting the highway, we'll find you the right auto insurance at the right price — fast.

Get a Free Auto Quote

🔒 Your info is private and never shared.

No-obligation
quotes
Multiple carriers
compared
Florida no-fault
specialists
Personal & commercial
auto
Fast, friendly
service

Auto Coverage Options

We'll walk you through every option so you get exactly the protection you need — nothing more, nothing less.

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Liability Coverage

Covers bodily injury and property damage you cause to others in an accident. Required by Florida law — we'll make sure you meet the minimums and go beyond if needed.

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Collision Coverage

Pays to repair or replace your vehicle after a collision, regardless of who's at fault. Essential protection if you're financing or leasing your vehicle.

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Comprehensive Coverage

Protects against non-collision events like theft, hurricanes, floods, fire, and falling objects. Critical coverage in South Florida's storm season.

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Personal Injury Protection

Florida is a no-fault state — PIP covers your medical expenses and lost wages after an accident, no matter who caused it. Required for all FL drivers.

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Uninsured Motorist

Florida has one of the highest rates of uninsured drivers in the country. This coverage protects you when the other driver has little or no insurance.

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Roadside Assistance

Towing, flat tire service, jump starts, lockout assistance, and more. Add-on peace of mind so you're never stranded on the side of the road.

Auto Insurance in
Florida Is Different

Florida's unique no-fault laws and high uninsured driver rate mean you need an agent who understands the local landscape — not just a generic quote from a website.

Talk to an Agent
#1

Highest Uninsured Driver Rate

Florida consistently ranks among the top states for uninsured drivers. Uninsured motorist coverage isn't optional — it's essential.

PIP

No-Fault State Requirements

Florida requires Personal Injury Protection on every vehicle. We'll make sure your policy meets state minimums and actually protects you.

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Storm & Flood Risk

South Florida's hurricane and flood risk makes comprehensive coverage a smart move for most drivers — especially during storm season.

The Independent Advantage

As an independent agency, we're not tied to one carrier — we shop the market to find the best coverage at the best price for you.

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We Shop For You

Access to multiple carriers means we compare options and bring you the best value — not just the one our employer tells us to sell.

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Personalized Service

You work with a real person who knows your situation. No call centers, no runaround — just straight answers and honest advice.

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Local FL Expertise

Based in Fort Lauderdale, we know Florida's insurance laws, requirements, and risks better than any out-of-state provider.

Fast Turnaround

Get your quote quickly and your coverage in place the same day in most cases. We don't waste your time with unnecessary back-and-forth.

Get Covered in 3 Steps

Getting the right auto insurance doesn't have to be complicated. Here's how easy it is to work with us.

1

Request a Quote

Fill out our quick contact form or give us a call. We'll gather a few details about your vehicle and driving history.

2

Compare Your Options

We shop multiple carriers on your behalf and present you with the best coverage options at competitive rates.

3

Get Covered

Choose your plan, sign your documents, and you're covered. Most clients are insured the same day they apply.

Auto Insurance FAQ

Have questions? We have answers. If you don't see yours here, give us a call.

What is the minimum auto insurance required in Florida?
Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums may not be enough to fully protect you — we can help you understand what coverage level makes sense for your situation.
How much does auto insurance cost in Florida?
Florida has some of the higher average auto insurance rates in the country due to its no-fault laws and high uninsured driver rate. Your rate depends on your driving history, vehicle, location, and coverage level. The best way to find out is to get a free, no-obligation quote from us.
What is a no-fault state and how does it affect me?
In a no-fault state like Florida, your own insurance covers your medical expenses after an accident regardless of who caused it. That's why PIP coverage is required. It speeds up claims processing but also means everyone needs their own coverage in place.
Can I get auto insurance if I have a bad driving record?
Yes. As an independent agency, we have access to carriers that specialize in non-standard or high-risk auto insurance. We'll work to find you coverage at a fair price, even if you've had tickets, accidents, or lapses in coverage.
Do I need comprehensive coverage in Florida?
It's not required by law, but it's strongly recommended in South Florida. Hurricanes, flooding, hail, and theft are real risks here. If your vehicle is financed or leased, your lender will likely require it as well.
How quickly can I get covered?
In most cases, we can get you covered the same day. Once you choose your plan, we'll walk you through the paperwork and have your policy in place quickly — sometimes within the hour.

Get Your Free Quote Today

No-cost, no-obligation quote
Multiple carriers compared for you
Licensed agent handles everything
Same-day coverage available
(954) 698-2463
Florida Auto

Get Covered Today

Whether you need basic liability or full coverage, we'll find the right policy at the right price. Fast quotes, honest advice, same-day coverage.

Liability and full coverage options
SR-22 filing available
Personal & commercial auto
Independent agent — we shop for you
Get a Free Quote

We Cover More Than Just Auto

Orion Star Insurance Agency is your one-stop shop for personal and commercial coverage across Florida and 13 states.