Drive Confidently — We’ll Handle the Risks
Whether you’re navigating busy local roads or cruising down the coast, the right auto insurance helps keep you — and your wallet — protected. At St. Andrews Insurance, we make car insurance simple, affordable, and designed around your unique needs as a Florida driver.
Why Auto Insurance Matters
Protection Beyond the Minimum
Auto insurance isn’t just required — it’s a crucial safety net. From fender benders to unexpected weather damage or theft, having the right coverage can help you get back on the road faster and with less financial stress. Our team will walk you through every option and help you choose coverage that truly fits.
What Auto Insurance Covers
Liability Coverage
Helps pay for injuries or property damage you cause to others in an at-fault accident — essential protection for every driver.
Collision Coverage
Pays for damage to your vehicle if you collide with another car or object, regardless of fault.
Comprehensive Coverage
Covers non-collision incidents like theft, vandalism, fire, hail, or hurricane-related damage.
Personal Injury Protection (PIP)
Helps cover medical expenses for you and your passengers after an accident — required in Florida.
Uninsured/Underinsured Motorist Coverage
Protects you if you're hit by a driver who has little or no insurance, or in a hit-and-run.
- Need help choosing? We’ll guide you through each coverage type and help you understand deductibles and limits so you can make confident choices.
Questions We Hear Most — With Answers
How much does auto insurance increase after an accident?
On average, an at-fault accident may raise your rates by about 30%. More serious violations, like a DUI, can increase rates by 80% or more. We’ll help you understand your options and navigate potential changes.
How much auto insurance coverage should I have?
Coverage needs vary for each driver and vehicle. While state minimums are required, higher limits and additional protections (like comprehensive and collision) are often wise choices. Our team can help you determine the right amount for your situation.
What auto insurance is required in Florida?
Florida law requires all drivers to carry at least:
- $10,000 in bodily injury liability per person
- $20,000 in bodily injury liability per accident
- $10,000 in property damage liability
- Additionally, Personal Injury Protection (PIP) is required. We’ll make sure you understand what’s legally required and what additional coverage is recommended.
What factors affect the cost of my auto insurance?
Your rate depends on factors like your coverage limits, vehicle type and value, driving record, claims history, location, and annual mileage. We’ll help you explore discounts and find the best value.
Is comprehensive and collision coverage worth it for my vehicle?
If your vehicle is newer or valuable, comprehensive and collision coverage can help protect your investment. We’ll help you decide if these coverages make sense based on your car and budget.
Can I bundle my home and auto insurance for savings?
Yes! Bundling your policies can lead to discounts and simplify your insurance management. We’ll show you all available savings opportunities.
How do I file an auto insurance claim with St. Andrews?
Contact us directly — we’ll guide you through each step. After providing details and paying your deductible, an adjuster will assess the damage. Once approved, you’ll receive compensation quickly to repair or replace your vehicle.
- What factors affect the cost of my auto insurance?
- What is the best type of car insurance for Florida drivers?
- How much coverage should I carry beyond the state minimum?
- How does my deductible work, and what amount should I choose?
- How much does insurance typically increase after an accident?
- Can I bundle my home and auto insurance for savings?
- Is comprehensive and collision coverage worth it for my vehicle?
- How do I file an auto insurance claim with St. Andrews?
Local Help, Real Answers
Let’s Get You Back on the Road with Confidence
At St. Andrews Insurance, we make auto insurance straightforward and supportive. You’ll get personalized advice, fast help when you need it, and coverage options explained in plain language — all from local experts who understand Florida roads and risks.
