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Payments as low as $39 per month for car insurance in Florida.

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We are Car Insurance Specialists

Why are we the #1 affordable car insurance agency in Florida? Because we compare more than 110 auto insurance companies in the Sunshine State to give you the best and cheapest quotes.

A-1 Insurance Direct, Inc. was designed with one purpose in mind, to provide each client with the best coverage possible by analyzing rates in seconds. Our group of agencies can be found in Tampa and Dallas, however, we serve clients throughout Florida, Texas & Tennessee. Our licensed agents are working hard to gain your trust, understand all your auto insurance needs and will provide you with the best coverage at the cheapest rates. We always provide honest services at competitive rates within your budget. Unlike other agencies, our company does not charge for extra fees, auxiliary or add-on products. This transparency allows us to keep our rates affordable for our customers while providing you with the peace of mind you want and need to be a happy driver.

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Great Discounts

Great discounts to help you save on car insurance: Safe Driver Discount, Homeowner Discount, New Car Discount, Multi-Car Discount, Multi-Policy Discount.

Easy, Fast & Free Quotes

Easy, fast & free quotes. Get your policy 100% online or over the phone in minutes. Your insurance coverage is designed to meet your needs.

Lowest Down Payment

Get the lowest down payment and lowest monthly payments, without extra fees.

Recently in car accident

Recently in car accident? Filing an accident claim means you are likely to pay more for your car insurance coverage.

Need SR22 or FR44?

Let us help you with SR22 or FR44 Certificate. You might stop searching and fill our online form.

Tickets - No Problem

If you get a speeding ticket you’ll see an increase for next 3 years in what you pay for car insurance. But even with a traffic ticket, comparing rates can save you money.

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The fast, free, and easy way to shop for Auto Insurance in Florida!

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We compare coverage and prices to find the best possible value for your needs.

Having an accident and injuries is something we don’t plan but does happen and it’s unfortunate! Are you having a hard time getting insured due to automobile accidents? Do you have personal injury claims? We are the specialist at finding the insurance company that is right for you! Our rates start as low as $39 a month. Get a quote with us today in less than 3 minutes!

Let’s just be frank, Insurance shopping is not always fun. But here at Insurance Direct, we want to make this process as easy as possible for you and hassle free. Calling around to multiple insurance companies can be time consuming and frustrating. At Insurance Direct, we shop all our carriers at the same time for the best rate within minutes. No need to drive to our office, we can complete your policy, payment or changes to your policy by phone, online and/or via electronic signature. Ask one of our agents how!

Having a hard time finding a low down payment from not having previous insurance or a suspended drivers license, even a DUI? At Insurance Direct, we have the lowest down payment options with automatic withdrawal enrollment.

Our mission is to provide the best customer service and the most affordable car insurance in Tampa from multiple companies. While not all insurers show prices, we filter down to the most relevant options and discounts based on your profile.

Frequently Asked Questions

Florida is a no-fault state. If you have an accident, your provider will automatically pay for certain damages, regardless of fault, up to a specified limit.

Florida’s average rate is 1,823 and is the 3rd most expensive state to insure vehicle in the U.S.

The minimum coverage in FL is 10/20/10. Plus PIP coverage of $10k. Bodily injury liability is not required by Florida state law, but is required by some insurance carriers.

The most expensive ZIP code in Florida are 33136 – Miami: $3,485 and 33135 – Coral Gables: $3,418.

The cheapest ZIP code in Florida are 32459 – Miramar Beach: $1,137 and 33825 – Coral Springs: $1,175.

Please fill the quote form to compare rates, it is easy, fast and free. Customers choose us for affordable rates and excellent service.

In the State of Florida you are required to have Personal Injury Protection (PIP) and Property Damage Liability (PDL). You must have a minimum of $10,000 in PIP and another $10,000 in PDL.

While PIP and PDL are the only state requirements, there are other optional coverages such as Bodily Injury Liability (BIL) that can protect you in case of accidents. It is always important to browse options and find coverages that work for you. Please contact our agents for more information about coverages.

Yes, you can cancel your insurance policy at any time, but you likely will not receive a refund unless you paid your premium in advance. Please don’t cancel your existing coverage until you have a new policy in place with us.

Yes, of course only if they are a licensed driver. Young drivers are often more expensive because they have less experience. One way to save money is to browse student discounts with our insurance agent to find deals for high-performing students.

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