Auto Insurance in Orlando, FL – Car Coverage Made Easy

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Orlando Auto Insurance for Your Needs

Florida drivers face more than just traffic—we deal with year-round weather risks, hurricane season, and a high number of uninsured motorists. Whether you're driving through Avalon Park or commuting across East Orlando, your auto insurance should do more than check a box. At The White Agency, we help you compare quotes, understand your options, and choose the right plan—without the stress.



As an independent agency, we work with top-rated carriers to find coverage that fits your budget and lifestyle. Whether you're insuring one car or five, we make it simple to get protection that’s fast, flexible, and Florida-compliant.

Coverage Options for Florida Drivers

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Liability Coverage

Meets Florida's state minimums to protect you if you're at fault in an accident. Required for all drivers.

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Collision Coverage

Helps pay for repairs or replacement if your car is damaged in a crash with another vehicle or object.

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Comprehensive Coverage

Covers damage from non-collision events like storms, theft, vandalism, or animal strikes—essential in Florida.

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Uninsured Motorist

Provides protection if you're hit by someone without enough insurance (or none at all). Florida has one of the highest uninsured driver rates in the country.

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Personal Injury Protection (PIP)

Required in Florida, this covers medical expenses and lost wages—no matter who caused the accident.

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Discounts & Savings on Car Insurance

Ways to Lower Your Premium While Keeping Full Protection

Car insurance in Orlando doesn’t have to break your budget. Our team helps you uncover discounts that national providers don’t always advertise. We review every detail so you get every dollar of value possible.



  • Multi-car policies
  • Bundle with Homeowners Insurance
  • Safe driver discounts
  • Defensive driving course credits
  • Paperless and auto-pay options
  • Low mileage discounts
Let’s Clear the Confusion

Common Questions About Auto Insurance in Florida

Florida auto insurance laws can feel complicated. We’re here to help you understand the basics, the extras, and what actually applies to your household. If you still have questions, just give us a call—we actually answer.

  • What’s the minimum required car insurance in Florida?

    Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily Injury Liability is not required but is highly recommended.

  • Is full coverage worth it in Orlando?

    Full coverage—liability, collision, and comprehensive—is often the best choice if your car is newer, financed, or at higher risk of damage from storms or theft.

  • Can I bundle my home and auto insurance?

    Yes! We often help clients save hundreds when they bundle auto with their homeowners policy.

  • Do I need uninsured motorist coverage?

    Absolutely. With Florida’s high number of uninsured drivers, this is one of the most important add-ons for peace of mind.

  • Can you help insure my teen driver?

    Yes, we help families navigate teen driver coverage, including good student discounts and affordable high-risk options.