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GreatFlorida Insurance Review 2022

Updated Nov 15, 2022
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GreatFlorida is an insurance broker that helps Florida residents find auto and home insurance coverage. If you live in the Sunshine State and like working with local agents, GreatFlorida could be a good choice. Keep in mind that the specifics attributes of your coverage will depend on the company you choose.

Pros

  • Coverage sold by local agents
  • Multiple companies available

Cons

  • Price varies by underwriting company
  • Digital tools will depend on the company from which you purchase coverage
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While GreatFlorida isn’t a car insurance company — it’s an insurance broker that represents multiple companies — it could be a good choice for drivers and homeowners in the Sunshine State. As the name suggests, GreatFlorida Insurance could help you find great Florida insurance coverage for your car, motorcycle, home, apartment and more. Bankrate’s GreatFlorida insurance review looks at the broker’s offerings for auto and home insurance, as well as what other products are offered, to help you decide if getting a quote from a local agency is a good idea.

GreatFlorida Insurance is a broker exclusive to the Sunshine State. When you work with GreatFlorida, you’ll be working with an independent agency that is able to get quotes from a variety of home and car insurance companies. This may allow you to compare rates, offerings and third-party scores from multiple insurers simultaneously. Eligibility will depend on which underlying insurance company you choose, but because GreatFlorida works with numerous companies, a broad range of drivers and homeowners may find they are eligible with at least one of the carriers.

GreatFlorida car insurance

Named after the state it operates in, GreatFlorida auto insurance is only available in the state of Florida. Several of the underwriting companies it works with are regional or national, but GreatFlorida could still be a good choice for drivers wanting to support a business founded in the state, and those who prefer to work with local, independent agents.

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Quick facts
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Save $610 on average this year by shopping for new car insurance
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Rates vary by state up to 246%
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The average American pays $145/month for auto insurance
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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GreatFlorida sells car insurance from numerous underwriting companies. Your insurance policy won’t actually be underwritten by GreatFlorida, but will be underwritten by another insurance company that GreatFlorida sells products for. Some of the insurance providers listed, including Progressive and Travelers, are among the best car insurance companies available. Available coverage types will vary based on the company that you choose.

GreatFlorida car insurance discounts

Depending on the car insurance company you choose, the discount options you will qualify for will vary. For example, Kemper offers a good student discount while Dairyland does not. However, working with an independent GreatFlorida agent could allow an insurance professional to assess your specific situation and choose a company that offers the most savings opportunities for you so you could lower your car insurance premium or find the cheapest car insurance company for your situation.

GreatFlorida home insurance

The Florida home insurance market is notoriously complex due to the state’s high cost of living and high likelihood of natural disasters (and therefore of home damage), as well as local laws and regulations governing insurance. GreatFlorida could be a good choice for Florida homeowners who want a local insurance expert’s opinion to help navigate the search for the right home insurance. There are 125 local agencies across Florida, so homeowners in many areas of the state will have an agent nearby.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
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Two Thirds
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Just like its auto insurance, GreatFlorida home insurance comes from a variety of different companies. This means that the coverage types and endorsements for each carrier will vary, along with third-party scores, like AM Best or Standard & Poor’s (S&P) financial strength scores. Although none of the providers are on our list of best home insurance companies, you may still find a good fit for your specific Florida home insurance needs. Just like with auto insurance, the coverage types and endorsements will vary based on the individual company you choose.

GreatFlorida home insurance discounts

The home insurance discounts that you may be able to add to your policy will vary based on the company you choose. Talking to a GreatFlorida agent could help you choose a company with the most discounts for your circumstances.

Other GreatFlorida perks worth considering

GreatFlorida sells more than just auto and home insurance. Through its network of insurance providers, you may also be able to buy:

  • Boat insurance
  • Motorcycle insurance
  • Renters insurance
  • Commercial insurance
  • Umbrella insurance
  • Flood insurance

Working with a local agent might be the biggest perk of GreatFlorida. Especially in such a complex insurance market like the Sunshine State, a local agent’s expertise could come in helpful in choosing a company and coverage.

Not sure if GreatFlorida is right for you? Consider these alternatives

A GreatFlorida agency may be able to shop your policy with numerous companies, but not all insurance providers work with GreatFlorida. If you aren’t sure if GreatFlorida’s companies are the right fit for you, you could consider these alternatives. Keep in mind that Florida is a notoriously nuanced insurance market, so while these companies do write both auto and home insurance in Florida, coverage could be restricted by geographic location or other factors.

  • State Farm: The insurance juggernaut has the highest J.D. Power customer satisfaction score in the 2021 U.S. Auto Insurance Study for the Florida region, so it could be a good choice if service is your top priority.
  • Allstate: Allstate is another large insurance company that writes both auto and home insurance in Florida. You may be particularly drawn to Allstate if you are looking for a long list of discounts for your policies.
  • Geico: GreatFlorida may be able to help you find coverage as a high-risk driver, but Geico offers specialty coverage options for drivers in this category. The carrier offers options for drivers who have a less-than-stellar driving history, and also has low annual rates, on average.

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