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1250+ Reviews | Most & Highest Rated in Florida

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Any Car, Anywhere

We work for you not the insurance company. We are here to help you find the best coverage for your car. We have access to many different insurance companies and can find the best coverage for your car.

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*Rates as low as:
Miami-Dade County, FL
$1,500/year
Broward County, FL
$1,300/year
Palm Beach County, FL
$1,100/year
Key Value

Exclusive Customer Portal

Our innovative and exclusive customer portal will empower you to manage your policy, process payments, access 24/7 live support, and much more—all at your fingertips.

  • 24/7 Live Support
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  • Make Payments
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Technology

Simple Processes,
Advanced Technology...

While not only reducing the time for you to get insured from days to minutes, our technology is also working behind the scenes to ensure you are getting the best coverage throughout the lifetime of your policy.

That said, we understand that sometimes you just want to talk to a human. We get it. You will be assigned a dedicated agent that will be there for you every step of the way.

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AI-Backed Technology
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An Agent For You
A+ Rated Carriers | 5-Star Rated Customer Service
We pride ourselves on providing the best customer service in the industry. We are here for you every step of the way.
Google Reviews
5.0
Based on 1,250+ reviews

Average rating from verified Google reviews

S
Shelly
Google 2 weeks ago

Harvest Insurance got us the lowest rate (by far) than the 5 other companies that we received quotes from.

Verified Customer
T
Todd
Google 1 month ago

This was hands down the best experience I've ever had purchasing a homeowners policy.

Verified Customer
R
Ryan
Google 3 days ago

I recently had the pleasure of working with Harvest Insurance, and I have to say, it was a fantastic experience.

Verified Customer

Helpful answers

Florida auto insurance has unique requirements and challenges that every driver should understand. As a no-fault state with high traffic density, diverse weather conditions, and a significant number of uninsured drivers, Florida requires specific coverage like Personal Injury Protection (PIP). While basic coverage is mandatory, many drivers choose additional protection for complete peace of mind. Our goal is to help you navigate these requirements and find the best coverage at competitive rates.

Florida requires certain minimum auto insurance coverage, but there are several types of coverage you should consider:

1. Bodily Injury Liability: Covers injuries to others in accidents you cause
2. Property Damage Liability: Covers damage to others' property in accidents you cause
3. Personal Injury Protection (PIP): Required in Florida, covers your medical expenses regardless of fault
4. Collision Coverage: Covers damage to your car from accidents
5. Comprehensive Coverage: Covers non-collision damage (theft, weather, vandalism)
6. Uninsured/Underinsured Motorist: Protects you if hit by a driver with insufficient coverage
7. Medical Payments: Additional medical coverage beyond PIP
8. Rental Car Coverage: Covers rental car costs while your car is being repaired

Florida law requires all drivers to carry minimum auto insurance coverage:

• Personal Injury Protection (PIP): $10,000 minimum
• Property Damage Liability (PDL): $10,000 minimum

While not required, we strongly recommend additional coverage like bodily injury liability and comprehensive/collision coverage to better protect yourself and your vehicle.

Several factors influence your auto insurance rates in Florida:

• Driving record and claims history
• Age and driving experience
• Vehicle make, model, and year
• Location and typical usage
• Credit score
• Coverage types and deductibles chosen
• Multi-car or bundling discounts
• Safety features and anti-theft devices

Ways to reduce your auto insurance premiums:

• Bundle auto with home or other policies
• Maintain a clean driving record
• Take defensive driving courses
• Install safety and anti-theft devices
• Choose a higher deductible
• Ask about good student discounts
• Compare quotes from multiple carriers
• Pay premiums annually instead of monthly

Follow these steps after an auto accident:

1. Ensure everyone's safety and call 911 if needed
2. Move vehicles to a safe location if possible
3. Exchange information with other drivers
4. Take photos of damage and the accident scene
5. Get witness contact information
6. File a police report
7. Contact your insurance company
8. Use our customer portal or call us to file a claim

Understanding key auto insurance terms:

• Premium: Your insurance payment
• Deductible: Amount you pay before insurance covers a claim
• Policy Limit: Maximum amount insurance will pay
• At-Fault Accident: Accident where you're determined responsible
• No-Fault Insurance: Covers your injuries regardless of fault (PIP in Florida)
• Declaration Page: Summary of your coverage and costs
• SR-22: Special filing proving insurance coverage
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