Defuniak Springs

Minimum Liability~$85–$110
Full Coverage~$210–$250
Minimum Coverage Requirements$10K PIP / $10K PDL

Show more Auto Insurance stats in Florida

Florida drivers face some of the highest insurance costs in the country, thanks to a combination of traffic volume, natural disasters, fraud, and uninsured drivers. The state's no-fault insurance system, combined with minimal liability requirements and dense metro traffic, makes full coverage with PIP and uninsured motorist protection a strong recommendation.

Florida Auto Insurance Facts

Drivers

~15.3–15.8 million licensed drivers as of 2023.
High population density in Miami, Tampa, Orlando, and Jacksonville.
~91% of households own at least one vehicle.
High vehicle dependency due to limited transit coverage outside metros.
Large elderly driving population, especially in retirement-heavy counties.
~20.4% uninsured driver rate.
Rapid growth of rideshare use and SUV ownership.

Accidents

Year	Reported Crashes	Injury Crashes	Fatal Crashes
2018	~402,000	~166,000	3,135
2019	~401,000	~165,000	3,183
2020	~341,000	~140,000	3,332
2021	~394,000	~160,000	3,738
2022	~394,300	~160,300	3,571

Laws & Regulations

No-Fault state.
Bodily Injury Liability not required, but recommended.

Find and Compare Local Insurance Agents Near Defuniak Springs

Save time and money with a FREE online quote
Match and compare rates from America’s leading insurance carriers - in minutes
Get Online Quote
Defuniak Springs Simerly Ayers Insurance Group Inc

1299 US-90, Defuniak Springs, FL 32433

(850) 546-4783

Visit Site
Angie Bishop - Simerly Ayers Insurance Group

757 US-331, Defuniak Springs, FL 32435

(850) 892-3222

Visit Site
Russ Eichorn Insurance

533 Holley King Rd, Defuniak Springs, FL 32433

(850) 892-5163

Visit Site
Jim Dickerson - State Farm Insurance Agent

1225 US-331, Defuniak Springs, FL 32435

(850) 892-6111

Visit Site
Direct Auto Insurance

1226 Freeport Rd, Defuniak Springs, FL 32435

(850) 635-0713

Visit Site
Farm Bureau Insurance

501 US-90, Defuniak Springs, FL 32433

(850) 892-5512

Visit Site
Brian Hawkins: Allstate Insurance

1066 US-331, Defuniak Springs, FL 32435

(850) 892-2134

Visit Site
Nationwide Insurance

1614 US-90, Defuniak Springs, FL 32433

(850) 892-2164

Visit Site

Free Online Quote

Defuniak Springs

Florida Auto Insurance Facts

Drivers

Accidents

Laws & Regulations

Find and Compare Local Insurance Agents Near Defuniak Springs

Defuniak Springs Simerly Ayers Insurance Group Inc

Angie Bishop - Simerly Ayers Insurance Group

Russ Eichorn Insurance

Jim Dickerson - State Farm Insurance Agent

Direct Auto Insurance

Farm Bureau Insurance

Brian Hawkins: Allstate Insurance

Nationwide Insurance

Find a Local Insurance Agents

Get Insured Online

Articles

Legal