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Save up to 35% on your car insurance. Andrew Auto Insurance Agency shops 15+ A-rated carriers to get you cheap liability coverage, full coverage, SR22 protection, and specialized rideshare/commercial plans.
Jacksonville Area ZIP Code Search
Enter your Florida garaging ZIP code to view high-risk plans, family discounts, or minimum liability matches available instantly.
E-E-A-T Certified Trust Signals & Insurance Advantages
Florida Department of Insurance authorized professionals.
Shop 15+ top A-rated carriers instantly for maximum savings.
Bind and download legal FL auto policy packets immediately.
Extremely low down payments & tailored monthly installments.
From mandatory state minimum limits to complex high-risk reinstatement filings, our expert agents structure coverage to fit your exact budget parameters.
Essential bodily injury and property damage coverage satisfying Florida's strict Financial Responsibility legal demands.
Complete physical peace of mind combining state liability with tailored collision and comprehensive protection limits.
Direct electronic FL DMV API filing to rapidly reinstate driving privileges and resolve state compliance lapses.
Non-standard carrier comparisons for drivers with active claims histories, ticket accumulations, or coverage lapses.
Specialist guidance and electronic FR-44/SR-22 DMV processing following a Florida DUI citation or suspension.
Business auto liability and structural physical damage shields for contractor vans, cargo trucks, and regional fleets.
Affordable cruiser, sportbike, and custom touring coverage packages matching Florida's unique ridership rules.
Essential hybrid policies protecting active Uber, Lyft, and courier gig-drivers where regular personal lines exclude coverage.
Budget liability safety protection for drivers who do not own a vehicle but require active proof of coverage or SR-22s.
Good student savings matches and defensive driver credits to safely bundle newly licensed teenagers.
Unified corporate programs grouping multiple delivery or service vehicles under one manageable billing portfolio.
Covers the difference between your auto loan balance and cash valuation if your vehicle is written off or totaled.
Specialized commercial freight coverage for heavy-duty rigs, cargo transportation, and local hauling.
Exceptional structure plans for camper vans, motorhomes, and travel trailers with liability and asset protection.
Guaranteed agreed-value plans to protect the real appraised value of vintage, collectible, or custom restorations.
At Andrew Auto Insurance Agency, we leverage advanced systems to search multiple insurance carriers simultaneously, matching you with local Florida rates that others often miss. As direct local neighborhood brokers, we focus on providing consistent support and long-term value.
We analyze real-time rates across 15+ rated carriers to capture pricing anomalies in your favor.
Extremely low down payments paired with flexible installments structured specifically around your payroll schedule.
Our local office team has years of direct Florida DMV experience, helping resolve license suspension matters quickly.
15+
Florida Underwriters
Provide driver details and coverages online or over the phone.
We analyze real-time rates from 15+ top A-rated carriers.
Choose the liability limits and deductible structure that work for you.
Fast underwriting processing with easy digital signature verification.
Receive your digital ID cards and insurance certificates on your phone instantly.
Understand the direct protections available to you under standard Florida auto insurance policy guidelines.
Covers medical bills, rehabilitation, and legal defense costs for other drivers and passengers if you cause an accident.
Covers repairs or replacements for third-party vehicles, buildings, or other structures damaged in an at-fault collision.
Covers repair costs for your own vehicle after an accident or collision with another vehicle or physical object, regardless of fault.
Covers non-collision damages to your vehicle, including theft, vandalism, fire, weather storms, windshield damage, or animal impacts.
Covers medical bills and vehicle repairs if you are hit by a driver who lacks liability insurance or flees the scene.
Florida's No-Fault coverage pays 80% of necessary medical costs and 60% of lost wages, regardless of accident fault.
Offers 24/7 help for emergency towing, flat tire changes, battery jump-starts, fuel delivery, and lockout services.
Helps cover the cost of a rental vehicle while your car is in the shop undergoing repairs covered by a claim.
"Andrew Auto Insurance Agency helped me file my Florida SR-22 on the same day. The process was incredibly fast, and my license was officially restored in the system within hours. Thank you so much!"
Jacksonville, FL (32210)
"As a part-time rideshare driver in Orange Park, finding proper coverage without breaking the bank was tough. Andrew and his team set me up with a wonderful personal plan with rideshare endorsements."
Orange Park, FL
"Very happy with my experience. They compared rates with multiple companies and secured an affordable full coverage policy with incredibly low down payments."
Jacksonville Beach, FL
Andrew Auto Insurance Agency is a premier independent auto insurance agency serving drivers in Jacksonville and the surrounding Florida communities. Located on Timuquana Rd, we provide specialized coverage solutions for individuals, families, and commercial fleet operators across the state.
Our firm was built upon the core tenets of Professional Experience, Transparency, and Service Acceleration. Because we are an independent broker rather than a captive agency representing a single carrier, we have the flexibility to shop and compare plans across multiple insurance platforms. This allows us to find competitive rates and flexible payment options tailored to your needs.
To simplify premium auto protection. We help drivers understand their coverage options, maintain compliance, and protect their hard-earned assets with clear, straightforward support.
From our Timuquana Rd offices, our services cover Jacksonville, Orange Park, Fleming Island, Jacksonville Beach, Atlantic Beach, Neptune Beach, and communities throughout the state.
In Florida, auto insurance is mandatory under state law. Every driver must demonstrate financial responsibility by maintaining a policy that meets the state's minimum limits. At Andrew Auto Insurance Agency, we help you navigate these requirements, customize your coverage levels, and find competitive rates.
Meets Florida's mandatory liability limits, helping you stay compliant and protected on the road.
Covers vehicle repairs if your car is damaged in an accident or collision, regardless of fault.
Protects against non-collision damages like windshield chips, windstorms, vandalism, theft, or hitting animals.
Under Florida Insurance Code, all motorists must maintain minimum liability limits. These requirements include:
Our liability programs are designed to meet these mandatory requirements while keeping your monthly payments affordable, helping you avoid legal penalties, vehicle impoundment, or driver's license suspension.
"Full Coverage" combines mandatory Florida Liability limits with Collision and Comprehensive protection. This is highly recommended for newer vehicles, financed vehicles, or leased assets, providing a complete shield for your financial investment.
Financing Requirements:
If your vehicle is financed or leased, your lienholder will typically require you to maintain comprehensive and collision coverages with deductibles of $500 or $1,000 to protect their asset.
An SR-22 is a certificate of financial responsibility required by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). It is often mandatory for drivers seeking to reinstate their license after violations like a DUI, reckless driving, or operating a vehicle without insurance.
Our agents can file your SR-22 electronically with the FLHSMV, helping you reinstate your driving privileges and get back on the road quickly.
If you have a history of multiple speeding tickets, accidents, coverage lapses, or major traffic violations, finding standard coverage can be a challenge. Many captive insurance companies may reject high-risk drivers or charge excessive rates.
We work closely with specialty insurance carriers to offer non-standard auto coverage options, helping high-risk drivers secure compliant policies with manageable rates and down payments.
Reinstating your driving privileges after a DUI in Florida can be a complex process involving high bodily injury liability certification requirements (such as 100/300/50 FR-44 limits). Our licensed agents specialize in assisting drivers with post-DUI reinstatements, helping you file the mandatory certificates and locate competitive premium rates.
If you do not own a vehicle but regularly rent or borrow cars, or if you need to file an SR-22 with the FLHSMV to maintain your driving privileges, a non-owner liability policy is a cost-effective solution. This coverage protects you against liability damages when operating borrowed or leased vehicles.
For businesses in Florida, commercial auto insurance is essential to cover company-owned cargo vans, passenger trucks, and service vehicles. Our customized commercial policies feature higher liability limits to shield your business from financial risks during operations.
Florida is home to great riding routes. We offer customizable motorcycle insurance for cruisers, sport bikes, and custom builds, including liability, collision, comprehensive, and custom parts protection.
Standard personal auto policies generally exclude coverage when you are actively using rideshare applications to drive passengers or make deliveries. We provide rideshare endorsements that fill this gap, keeping you covered from the moment you log onto the app until you drop off your passenger.
Adding a newly licensed teenager to your auto policy can be expensive. Our independent brokers help you manage these costs by identifying available discounts, such as good student and defensive driving credits, to find affordable coverage options.
Collectible, classic, and vintage vehicles require specialized protection. We offer agreed-value policies that protect your car for its true, agreed-upon worth, rather than a depreciated cash value, in the event of a covered total loss.
If your vehicle is totaled, standard auto insurance policies only pay its current depreciated cash value. Gap insurance helps cover the difference between that payout and the remaining balance on your auto loan, protecting you from paying the difference out of pocket.
Consolidate risk management for multiple company-owned vehicles under a single, simplified policy. We provide tailored commercial fleet programs for local service companies and logistics firms to help protect your team on the road.
Andrew Auto Insurance Agency is proud to offer competitive rates and personalized insurance programs to drivers throughout Duval County and the surrounding Florida communities.
Coverage solutions for commuter drivers, families, and commercial business fleets in the Jacksonville metro region.
Premium liability, comprehensive, and classic vehicle insurance policies tailored for Orange Park residents.
Affordable personal liability, high-risk auto coverage, and same-day electronic filing services.
Cost-effective coverage plans designed for students, daily commuters, and rideshare drivers in Jacksonville Beach.
Family auto plans, teen driver programs, and multi-vehicle bundle discounts for Atlantic Beach motorists.
Low down payments and competitive rates for liability, comprehensive, and high-risk drivers in Neptune Beach.
Reliable local coverage options, defensive driver credits, and flexible payment plans for St. Johns families.
Commuter-friendly auto policies, comprehensive coverage, and friendly service for Middleburg residents.
Competitive personal auto insurance, family multi-car plans, and classic car policies in Green Cove Springs.
Affordable liability coverage, same-day policy activation, and fast SR-22 filing support in Ponte Vedra Beach.
Professional tips, updates, and guidance from our licensed Florida insurance team.
Learn about mandatory PIP/PDL state minimum coverage levels and how adding Bodily Injury liability protects personal assets.
Explore straightforward ways to help lower your premiums, from taking certified defensive driving courses to paperless billing setups.
Get in touch with our licensed brokers to ask questions, update an active policy, or initiate a new insurance quote comparison.
Physical Address
5150 Timuquana Rd Suite #25, Jacksonville, FL 32210, United States
Phone Support
(239) 345-4879
Hours of Operation
Mon - Sun: 24/7 Support | Office Lobby: Mon-Fri 8am-6pm
At Andrew Auto Insurance Agency, we are committed to protecting your privacy. The personal information we collect, including contact details and driving history, is used solely to prepare requested insurance premium comparisons and configure policies. We do not sell or share consumer data with third-party telemarketers.
By accessing and submitting information on this website, you agree to our terms. You authorize Andrew Auto Insurance Agency to contact you regarding auto insurance quotes and licensed Florida insurance programs using the phone number and email address you provide.
Our licensed Florida agents are standing by to help you compare rates and secure a compliant policy. Call or click below to get started.
Visit our local physical agency branch in Jacksonville or get driving directions instantly using Google Maps below.
Timuquana Business District
5150 Timuquana Rd Suite #25,
Jacksonville, FL 32210,
United States
(239) 345-4879
Monday – Sunday: 24/7 Support
Physical Lobby: Mon-Fri 8am-6pm
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