ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeAuto Insurance AgentsFlorida › Panama City

Find Auto Insurance Agents Near You in Panama City, FL

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

The top-rated auto insurance agent in Panama City, Florida is John Douglas Insurance & Financial Services, rated 4.9 stars across 404 reviews. Other highly rated options include Jennifer Koppel - GEICO Insurance Agent, Direct Auto Insurance, Harry Grizzle Insurance. This directory lists 36 auto insurance agents serving Panama City.

Showing 36 auto insurance agents in Panama City, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1John Douglas Insurance & Financial Services2217 St Andrews Blvd(850) 769-7785
2Jennifer Koppel - GEICO Insurance Agent1314 N Tyndall Pkwy(850) 785-0538
3Direct Auto Insurance704 W 11th St(850) 763-2274
4Harry Grizzle Insurance2104 W 23rd St(850) 598-0450
5Michael Lovchuk - State Farm Insurance Agent3477 FL-77 a(850) 769-9919
6Acceptance Insurance609 E 23rd St(850) 204-3793
7Peoples First Insurance1022 W 23rd St Suite 250(850) 770-7047
8Ellis Agency Insurance1134 Harrison Ave(850) 763-1627
9St. Andrews Insurance Agency, Inc.1742 W W 15th St(850) 785-2383
10Freeway Insurance669 W 23rd St Unit 31(850) 204-3697
JD
2217 St Andrews Blvd
John Douglas Insurance & Financial Services
Auto Insurance Agent · Panama City, FL

John Douglas Insurance & Financial Services provides auto insurance coverage in Panama City, Florida. The agency helps clients select policies that meet local driving needs and legal requirements. Regular policy reviews are offered to keep coverage aligned with changing circumstances. The agent handles claims assistance and policy adjustments for vehicles in the area. Their services apply to single-family homes, apartments, retail businesses, and restaurants.

JK
1314 N Tyndall Pkwy
Jennifer Koppel - GEICO Insurance Agent
Auto Insurance Agent · Panama City, FL

Jennifer Koppel - GEICO Insurance Agent serves the Panama City, Florida, area. It provides auto insurance policies to local drivers, helping them meet state coverage requirements. The agent works with customers to explore policy limits and deductibles. Services include handling policy changes and processing claims assistance for vehicle accidents or damage in this coastal region. The agency also offers assistance with adding or removing vehicles from an existing policy.

DA
704 W 11th St
Direct Auto Insurance
Auto Insurance Agent · Panama City, FL

Direct Auto Insurance serves as an auto insurance agent in Panama City, Florida. It handles standard car coverage needs while specializing in liability, comprehensive, and collision add-ons for local drivers. The agency assists clients with personal policies tailored to their daily commutes and vehicle protection requirements. Its services extend to commercial sectors, including offices that require fleet insurance, warehouses needing vehicle liability, and food service businesses seeking delivery coverage.

HG
2104 W 23rd St
Harry Grizzle Insurance
Auto Insurance Agent · Panama City, FL

Residents, families, and small business owners in Panama City, Florida, turn to Harry Grizzle Insurance for auto insurance agent services. This office helps clients find appropriate auto coverage to meet their driving needs and local requirements. The agency also assists with policy reviews and updates as circumstances change. Customers in surrounding communities such as Lynn Haven or the nearby areas of Bay County benefit from the same personalized support for their vehicle insurance needs.

ML
3477 FL-77 a
Michael Lovchuk - State Farm Insurance Agent
Auto Insurance Agent · Panama City, FL

Michael Lovchuk - State Farm Insurance Agent serves Panama City, Florida, and the surrounding communities of the broader Bay County area. The agency handles auto insurance policies, focusing on helping local drivers meet state requirements while selecting appropriate liability and collision options. Each policy is reviewed individually to match coverage levels with a client’s specific driving habits and vehicle type. The agency employs a straightforward consultation process, asking about daily commute distances and parking situations to recommend limits and deductibles that suit typical local traffic conditions.

AI
609 E 23rd St
Acceptance Insurance
Auto Insurance Agent · Panama City, FL

Acceptance Insurance provides auto insurance services to residents in Panama City, Florida, helping them secure coverage for personal vehicles. The agency also offers commercial auto insurance options for local business owners who need to protect their work-related vehicles. Their service area includes the greater Panama City region and surrounding communities in Bay County. Customers can reach out between regular visits to adjust their policies or inquire about additional coverage needs, and the team follows up to ensure continued protection for each client.

PF
1022 W 23rd St Suite 250
Peoples First Insurance
Auto Insurance Agent · Panama City, FL

Clients may first seek a single auto insurance quote or return for periodic policy updates and renewals. Peoples First Insurance in Panama City, FL, helps drivers navigate required liability limits and optional coverages for their vehicles. The agent guides clients through deductibles and bundling homeowners or renters policies with their car insurance. Recommendations are based on individual driving habits and existing coverage needs. Each policy is reviewed upon initial enrollment, and accounts are served on an ongoing, as-needed basis for claims and adjustments.

EA
1134 Harrison Ave
Ellis Agency Insurance
Auto Insurance Agent · Panama City, FL

Ellis Agency Insurance specializes in helping clients secure auto coverage that meets local driving needs around Panama City, Florida. The agency works with area drivers to explain policy options, liability requirements, and add-on protections for vehicles used on regional roads. Services include assistance with new policy setup, policy renewals, and coverage adjustments when driving habits change. Residents often rely on this agent when facing hurricane preparation season, ensuring their auto policies are reviewed before storm-related evacuations or vehicle relocation becomes necessary.

SA
1742 W W 15th St
St. Andrews Insurance Agency, Inc.
Auto Insurance Agent · Panama City, FL

As hurricane season approaches in Panama City, many drivers review their coverage to ensure they are protected against storm-related losses. St. Andrews Insurance Agency, Inc. helps local clients evaluate auto insurance policies that meet state requirements and suit individual driving needs. The agency focuses on explaining policy details clearly so that each customer understands their liability, collision, and uninsured motorist options before making a decision. They schedule a brief vehicle inspection or review of current documentation to identify any gaps or necessary adjustments before finalizing any coverage.

FI
669 W 23rd St Unit 31
Freeway Insurance
Auto Insurance Agent · Panama City, FL
DA
7902 Beach Road
Direct Auto Insurance
Auto Insurance Agent · Panama City, FL
(850) 234-0563
local.directauto.com/florida/panama-city/7902-beach-road
LP
429 S Tyndall Pkwy suite a
Lori Pons - State Farm Insurance Agent
Auto Insurance Agent · Panama City, FL
(850) 769-1617
loripons.com
DI
755 Harrison Ave
Daffin Insurance Services
Auto Insurance Agent · Panama City, FL
(850) 769-8183
daffininsurance.com
AI
501 W 11th St
Acentria Insurance
Auto Insurance Agent · Panama City, FL
(850) 257-2990
acentria.com
SI
1143 Jenks Ave
Specialty Insurance Group
Auto Insurance Agent · Panama City, FL
(850) 747-4959
specialtyinsgroup.net
HI
3106 W 23rd St
Hutt Insurance Agency
Auto Insurance Agent · Panama City, FL
(850) 769-4888
huttinsurance.com
AA
1106 Harrison Ave D
A Action American Insurance
Auto Insurance Agent · Panama City, FL
(850) 872-0123
aactionamericaninsurance.net
BH
455 Harrison Ave ste d
Broward Hall Insurance
Auto Insurance Agent · Panama City, FL
(850) 769-4828
browardhall.com
PR
5501 Cherry St
Providence Risk Insurance LLC
Auto Insurance Agent · Panama City, FL
(850) 785-3717
providenceriskinsurance.com
HI
2993 W 10th St
Hollomon Insurance Agency
Auto Insurance Agent · Panama City, FL
(850) 872-8000
hollomoninsurance.com
TI
754 Jenks Ave
Tuggle Insurance Agency
Auto Insurance Agent · Panama City, FL
(850) 763-4606
tuggleinsurance.com
BI
621 N Tyndall Pkwy
Bond Insurance Inc DBA We Insure
Auto Insurance Agent · Panama City, FL
(850) 747-3001
weinsurepanamacity.com
AI
2104 W 11th St
Affordable Insurance Group of Panama City
Auto Insurance Agent · Panama City, FL
(850) 769-5050
affordableinspc.com
JL
13800 Panama City Beach Pkwy Ste 107d
Jessica Lyng Insurance
Auto Insurance Agent · Panama City, FL
(850) 265-6088
jessicalynginsurance.com
GF
1537 Jenks Ave
Glen Frye Insurance Agency
Auto Insurance Agent · Panama City, FL
(850) 872-0822
DI
222A S Tyndall Pkwy
Deason Insurance
Auto Insurance Agent · Panama City, FL
(850) 522-5005
EI
234 S Tyndall Pkwy B
Eastside Insurance Center
Auto Insurance Agent · Panama City, FL
(850) 747-0360
DH
1031 W 23rd St
Don Hood Insurance
Auto Insurance Agent · Panama City, FL
(850) 215-8888
donhoodinsurance.com
RI
632 W 23rd St
Renegade Insurance - Panama City
Auto Insurance Agent · Panama City, FL
(850) 784-1688
renegadeinsurance.com/agency/panama-city
PI
1022 W 23rd St Ste 540
Progressive Insurance - Claims Office
Auto Insurance Agent · Panama City, FL
(800) 776-4737
progressive.com/claims
JL
1320 N Tyndall Pkwy
Jessica Lyng Insurance
Auto Insurance Agent · Panama City, FL
(850) 265-6088
jessicalynginsurance.com
HM
1100 School Ave
Horace Mann Insurance Co
Auto Insurance Agent · Panama City, FL
(850) 769-8030
horacemann.com
WI
621 N Tyndall Pkwy
We Insure Panama City - Jody Detrick
Auto Insurance Agent · Panama City, FL
(877) 677-4063
weinsuregroup.com/agent/panama-city-jody-detrick
WE
1100 School Ave
Wendyvarnum
Auto Insurance Agent · Panama City, FL
(850) 769-8030
agents.horacemann.com/WendyVarnum
WI
621 N Tyndall Pkwy B
We Insure Panama City - Chuck Bond & Vince Flavia
Auto Insurance Agent · Panama City, FL
(850) 747-3001
weinsuregroup.com/agent/we-insure-panama-city-chuck-bond-vince-flavia
DS
606C S Tyndall Pkwy
D & S Insurance Center
Auto Insurance Agent · Panama City, FL
(850) 522-6334

What Does an a Auto Insurance Agent in Panama City Cost?

The average cost of auto insurance in Florida is around 2000 dollars per year for full coverage, but rates vary widely. In Panama City, factors such as your driving record, age, vehicle type, and credit history affect your premium. Minimum coverage policies may cost as little as 600 dollars per year, while high-risk drivers might pay over 3000 dollars. This is general information and does not constitute insurance advice.

About auto insurance agents in Panama City

An auto insurance agent in Panama City Florida can help you find a policy that meets state requirements. Florida law requires all drivers to carry Personal Injury Protection (PIP) of at least 10000 dollars and Property Damage Liability of at least 10000 dollars. A local agent understands the specific needs of drivers in Bay County and can explain how factors like hurricane risk affect your coverage.

Frequently Asked Questions

What are the minimum auto insurance requirements in Florida?

Florida law requires 10000 dollars in Personal Injury Protection (PIP) and 10000 dollars in Property Damage Liability. PIP covers your medical expenses regardless of fault, while Property Damage Liability covers damage you cause to another persons property. An agent can help you decide if additional coverage like collision or comprehensive is right for you.

How do I find a reputable auto insurance agent in Panama City?

You can search for licensed agents through the Florida Department of Financial Services website or ask for referrals from friends and family. Look for an agent who is familiar with Panama City and can explain different policy options clearly. It is wise to compare quotes from multiple agents to find a policy that fits your budget.

Can my auto insurance agent help me after a car accident in Florida?

Yes your agent can guide you through the claims process and explain your coverage. Florida has a four-year statute of limitations for filing a lawsuit after a car accident, but you should report a claim to your insurer as soon as possible. Your agent can also help you understand how Florida's no-fault insurance system works.

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.