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Personal Auto Insurance

Why Auto Insurance Matters

Your Shield on the Road

Driving without auto insurance in Florida is not an option. It's a legal necessity. Our auto insurance policies are more than just pieces of paper; they're your shield on the road. Whether you're a careful driver or just starting, having coverage ensures peace of mind for you, your loved ones, and fellow road users.

Beyond Accidents

Auto insurance isn't just about accidents. It's a financial safeguard against theft, vandalism, and the unexpected. It's the reassurance that you won't be left stranded when your vehicle is stolen or damaged.

Tailored Coverage

At Budget Bi-Rite Insurance, we understand that no two drivers are the same. That's why we offer a range of coverage options, including Personal Injury Protection, Property Damage, Bodily Injury, and Full Coverage. You can choose the level of protection that suits your needs.

Specialized Coverage for Your Unique Situation

SR-22 and FR-44 Coverage

Have you faced issues with your driver's license, such as a DUI, reckless driving, or lapses in auto insurance? We specialize in SR-22 and FR-44 coverage. These certificates are essential to regaining your driving privileges and returning to the road.

Low Deductibles for All

Budget Bi-Rite Insurance offers deductibles as low as $100. Yes, you read that right! We're here to make sure your coverage doesn't break the bank.

Bad Credit? Poor Driving History? No Problem!

We don't discriminate based on credit or driving history. We're here to find the right auto insurance for you, no matter your circumstances.

Roadside Assistance

Nobody plans to have a flat tire or run out of gas, but it happens. With our policies, you'll never be left stranded. Roadside assistance coverage is just a call away.

Our Commitment to Florida


Serving All of Florida

From the vibrant streets of Miami to the serene coasts of Destin, we serve all of Florida. No matter where you are, Budget Bi-Rite Insurance has got you covered.

A Reputation Built Over 30 Years

We've been serving Florida for over 30 years. Our experience speaks volumes, and our commitment to our clients is unwavering.

Authorized Agents for Top Companies

As authorized agents for over 10 top insurance companies, we conduct thorough comparisons to offer you the best quality and cost. We believe that your insurance policy should be tailor-made for your needs.

Inclusivity at Its Best

We welcome all kinds of licenses, including international ones. Our bilingual representatives are here to assist you every step of the way.

Discounts Galore

Who doesn't love discounts? At Budget Bi-Rite Insurance, we offer discounts, including safe driver, senior citizen, good student, homeowners, multi-car, and previous insurance discounts. Saving money on auto insurance has never been this easy.

Factors That Affect Your Insurance Rate

Auto insurance rates can vary significantly from one driver to another. Understanding the factors that affect your insurance rate is crucial to making informed decisions and securing the most cost-effective coverage. At Budget Bi-Rite Insurance, we believe in transparency, so let's dive into the key elements that influence your insurance premiums:

  • Driving History: Your past driving behavior plays a significant role in determining your insurance rate. You're likely to qualify for lower premiums if you have a clean driving record with no accidents or violations. On the other hand, a history of accidents, speeding tickets, or DUI convictions can result in higher rates.

  • Age and Gender: Young and inexperienced drivers often face higher insurance premiums. Gender can also be a factor, as some insurance companies may charge different rates based on statistical risk assessments. However, many states now prohibit gender-based pricing.

  • Vehicle Type: The make and model of your vehicle affect your insurance rate. Expensive and high-performance cars generally cost more to insure due to their repair and replacement costs. Conversely, modest, family-friendly vehicles tend to have lower premiums.

  • Location: Your location matters. Urban areas with higher population densities tend to have higher insurance rates due to increased risk of accidents and theft. Rural areas, with fewer vehicles on the road, may have lower rates.

  • Annual Mileage: The more you drive, the higher your risk of being involved in an accident. Insurance companies consider your estimated annual mileage when determining your premium. If you're a low-mileage driver, you may qualify for lower rates.

  • Coverage and Deductibles: Your choice of coverage and deductibles directly impacts your insurance rate. Comprehensive coverage, which includes protection against theft and damage, tends to be more expensive than liability-only coverage. Additionally, opting for a lower deductible typically results in higher premiums.

  • Credit Score: In some states, your credit score can influence your auto insurance rate. A higher credit score may lead to lower premiums, as it is often seen as an indicator of financial responsibility.

  • Marital Status: Married individuals tend to have lower insurance rates than single individuals. Insurance companies often view married drivers as more responsible and less prone to risky behaviors.

  • Discounts and Loyalty: Insurance companies offer a range of discounts. These can include safe driver discounts, good student discounts, multi-policy discounts, and more. Loyalty to the same insurer for an extended period can also result in lower rates.

  • Additional Factors: Certain personal factors, such as your occupation, education level, and even your marital status, can also be considered by insurers when calculating your rate.

Expanding Our Horizons

Budget Bi-Rite Insurance is excited to announce that we now offer Home Insurance in multiple states, including Florida, Georgia, Minnesota, Texas, Maryland, South Carolina, Indiana, and Pennsylvania. Protecting your home is as important as protecting your vehicle, and we're here to help you safeguard your investments.

Get Auto Insurance Coverage in Avon Park, FL. Also Serving Lake Placid, Sebring, and the Entire State of Florida


In the state of Florida, you must have auto insurance to legally drive a vehicle. Auto insurance gives you the financial comfort of knowing you, your precious cargo, and other drivers on the road are protected in the event of damages, loss, or injuries. 


The benefits of having auto insurance are not just coverage to help protect you and your family with injuries and damages caused by an accident, it is coverage that could protect you against financial loss and repairing or replacing your vehicle if stolen or damaged.


You can choose Personal Injury Protection (PIP) PD and Bodily Injury or Full Coverage. 


We offer cheap rates on SR-22 and FR-44 coverage - You’ll need an SR-22 or an FR-44 if you’ve had a problem with your driver's license, such as a DUI, (Drinking Under the Influence), reckless driving or not carrying auto insurance. This is a major part of your journey as a driver to get back the privilege of driving.

See our article: Why You Would Need SR-22 And FR-44 Coverage for Auto Insurance


Ask us about deductibles as low as $100.00.


Bad credit, poor driving history? No problem.


Rental, Towing, and Roadside Assistance coverage is also available.

Serving All of Florida.


Contact Us Today

Ready to embark on your journey to confident and affordable auto insurance in Florida? Give us a call at (863) 453-3903. Our team is here to assist you; yes, we speak Spanish too!

Can't talk right now? No worries. Fill out our Request A Quote form; one of our agents will contact you within 24 hours. At Budget Bi-Rite Insurance, we're dedicated to simplifying the insurance process and finding the perfect coverage for you.

Don't wait until it's too late. Protect your vehicle, loved ones, and peace of mind with Budget Bi-Rite Insurance. Get your free quote today and hit the road with confidence.

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