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Find Auto Insurance Agents Near You in Destin, FL

Browse auto insurance agents serving Destin, Florida. Updated 2026-07-14.

The top-rated auto insurance agent in Destin, Florida is Dave Morrow: Allstate Insurance, rated 4.9 stars across 220 reviews. Other highly rated options include Liufau McCall Insurance Group, Lucleon Insurance, The Baldwin Group (formerly Affordable Home insurance). This directory lists 15 auto insurance agents serving Destin.

Showing 15 auto insurance agents in Destin, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Dave Morrow: Allstate Insurance3997 Commons Dr W Ste H(850) 650-0600
2Liufau McCall Insurance Group36008 Emerald Coast Pkwy Suite 601B(850) 460-7490
3Lucleon Insurance305 Mountain Dr Ste G(850) 361-2882
4The Baldwin Group (formerly Affordable Home insurance)4008 Legendary Dr Suite 400(850) 654-1567
5Health Care Exchange225 Main St Ste 12(850) 376-3459
6Jim Liufau - State Farm Insurance Agent36008 Emerald Coast Pkwy Ste 401(850) 837-1329
7Norton Insurance of Florida4012 Commons Dr W STE 118(850) 244-1574
8Aqua Bay Insurance4507 Furling Ln STE 201(850) 269-0686
9Asshield Insurance415 Mountain Dr STE 3(850) 684-0164
10Acentria Insurance4634 Gulfstarr Dr(850) 650-1950
DM
3997 Commons Dr W Ste H
Dave Morrow: Allstate Insurance
Auto Insurance Agent · Destin, FL

Dave Morrow: Allstate Insurance serves the Destin, Florida area as a local auto insurance agent. The agency provides standard auto insurance coverage for area drivers. They assist customers in selecting appropriate liability limits and comprehensive protection. Policy options often include coverage for uninsured motorists, which is relevant for Florida roadways. The agency also handles rental reimbursement services and roadside assistance plans for local policyholders.

LM
36008 Emerald Coast Pkwy Suite 601B
Liufau McCall Insurance Group
Auto Insurance Agent · Destin, FL

Liufau McCall Insurance Group provides auto insurance coverage tailored to the needs of drivers in and around Destin, Florida. Their service offerings include policy reviews and claims assistance designed to help clients manage risk and maintain continuous protection. They offer regular plan evaluations to adjust coverage as driving habits or vehicle values change. The agency serves individual vehicle owners as well as those who require coverage for commercial fleets, property management vehicles, and driver pools, such as those for local apartments, retail centers, and restaurants.

LI
305 Mountain Dr Ste G
Lucleon Insurance
Auto Insurance Agent · Destin, FL

Serving Destin, Florida, and the surrounding communities along the Emerald Coast, Lucleon Insurance handles auto insurance coverage for local drivers. They assist clients with personal auto policies, addressing typical needs such as liability, collision, and comprehensive protection. The agency works to match each driver with a policy that fits their specific driving habits and vehicle type. To accomplish this, they begin by reviewing a client’s current coverage and driving history, then compare available options to recommend a suitable plan.

BG
4008 Legendary Dr Suite 400
The Baldwin Group (formerly Affordable Home insurance)
Auto Insurance Agent · Destin, FL

Homeowners, renters, and drivers in need of personal insurance find coverage through The Baldwin Group, a local auto insurance agent in Destin, Florida. Formerly operating as Affordable Home Insurance, the agency helps clients select appropriate policies to protect their vehicles and meet state requirements. They guide customers through coverage options, helping to explain deductibles and liability limits common in the coastal region. Service is extended to nearby communities throughout Okaloosa County, including parts of the Fort Walton Beach metro area.

HC
225 Main St Ste 12
Health Care Exchange
Auto Insurance Agent · Destin, FL

Health Care Exchange in Destin, FL connects clients with specialty policies for classic and high-value vehicles, while also assisting with standard auto insurance coverage to meet state requirements and personal needs. The agency evaluates factors such as driving history and vehicle type to find suitable protection plans. Drivers concerned about hurricane season impacts on their vehicles receive guidance on comprehensive and collision coverage options for storm-related damage.

JL
36008 Emerald Coast Pkwy Ste 401
Jim Liufau - State Farm Insurance Agent
Auto Insurance Agent · Destin, FL

Jim Liufau - State Farm Insurance Agent in Destin, FL offers both one-time policy quotes and ongoing coverage management for auto insurance clients. The agent helps drivers select liability, collision, and comprehensive options tailored to individual needs and local driving conditions. Personalized consultations ensure clients understand their deductibles and limits before committing. Service appointments are available on an as-needed basis for policy adjustments, claims assistance, and annual coverage reviews.

NI
4012 Commons Dr W STE 118
Norton Insurance of Florida
Auto Insurance Agent · Destin, FL

Norton Insurance of Florida in Destin serves as a local provider of auto insurance policies for drivers across the region. The agency helps clients navigate coverage options, including liability and collision plans, to meet state requirements. Policies are tailored to protect vehicles against common roadside risks. Drivers also appreciate personalized consultations designed to clarify deductibles and coverage limits. For added protection, the agency can bundle comprehensive roadside assistance coverage onto any new or existing policy.

AB
4507 Furling Ln STE 201
Aqua Bay Insurance
Auto Insurance Agent · Destin, FL

As Destin's tourist season brings heavier traffic and new hazards to local roads, Aqua Bay Insurance helps area drivers review their coverage to stay protected. Operating as an auto insurance agent in Destin, Florida, the agency guides clients through policy options that suit different commuting and lifestyle needs. They work to explain terms and limits clearly so customers can make informed decisions. To begin this process, they schedule a convenient initial consultation to assess current coverage and discuss possible adjustments.

AI
415 Mountain Dr STE 3
Asshield Insurance
Auto Insurance Agent · Destin, FL

Asshield Insurance provides comprehensive personal and commercial auto insurance coverage to clients throughout the Destin, Florida area. The agency assists drivers with standard liability, collision, and comprehensive policies while also offering specialty add-ons such as roadside assistance and rental car reimbursement. Every policy is designed to comply with Florida’s specific no-fault insurance requirements and local traffic conditions. Commercial auto insurance packages are available for businesses operating offices, warehouses, and food service establishments, ensuring fleet vehicles and delivery drivers meet all regulatory and liability standards.

AI
4634 Gulfstarr Dr
Acentria Insurance
Auto Insurance Agent · Destin, FL

Acentria Insurance serves the Destin, Florida area as an auto insurance agent, helping drivers secure the coverage required by state law and personal needs. It assists clients in understanding their policy options and comparing quotes from multiple carriers. The agency can advise on what coverage is recommended for vehicles driven in the community. Its services include aiding with comprehensive coverage for storm-related damage and liability protection for the region’s busy roads.

DI
4460 Legendary Dr Suite 300A
Defender Insurance Group
Auto Insurance Agent · Destin, FL
(850) 979-5225
defenderinsurance.rocks
SI
529 US-98
Smile Insurance Agency
Auto Insurance Agent · Destin, FL
(850) 470-1646
DI
127 Harbor Blvd Ste 10
Destin Insurance Group
Auto Insurance Agent · Destin, FL
(850) 837-6242
destininsurance.com
WA
127 Harbor Blvd Ste 10
Waterfield & Associates Inc.
Auto Insurance Agent · Destin, FL
(850) 837-6242
destininsurance.com
FI
36120 US-98
Flexible Insurance FL
Auto Insurance Agent · Destin, FL
(850) 790-0426

What Does an a Auto Insurance Agent in Destin Cost?

Typical annual auto insurance costs in Florida range from $1,200 to $2,500 for minimum coverage and $2,000 to $4,000 for full coverage. Rates vary based on your driving record, vehicle type, age, and location in Destin. This is general information and does not constitute insurance advice.

About auto insurance agents in Destin

Auto insurance agents in Destin Florida help drivers find coverage that meets state requirements. Florida law mandates Personal Injury Protection (PIP) of at least $10,000 and Property Damage Liability (PDL) of at least $10,000. An agent can explain these rules and help you choose additional options like collision or comprehensive coverage.

Frequently Asked Questions

What are the minimum auto insurance requirements in Florida?

Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP covers medical expenses regardless of fault. PDL covers damage you cause to another persons property.

Do I need uninsured motorist coverage in Destin Florida?

Uninsured motorist coverage is not required by Florida law but is strongly recommended. It protects you if you are hit by a driver without insurance. Many agents suggest adding this coverage for extra financial protection.

How can an auto insurance agent in Destin help me save money?

An agent can compare quotes from multiple insurance companies to find a competitive rate. They can also identify discounts such as multi-policy, safe driver, or low mileage discounts. Working with an agent saves you time and ensures you understand your options.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each auto insurance agent's credentials and current standing with your state Department of Insurance.