Coverage options for every driver
- Liability coverage — pays for injuries and property damage you cause to others.
- Collision coverage — repairs your vehicle after an accident, regardless of fault.
- Comprehensive coverage — protects against theft, fire, storm damage, and vandalism.
- Uninsured/underinsured motorist — coverage when the other driver lacks adequate insurance.
- Personal Injury Protection (PIP) — Florida-required coverage for medical costs after an accident.
Personal auto vs. commercial auto
The right policy depends on who owns the vehicle and how it's used. Here's how personal and commercial auto coverage compare for Middleburg drivers.
Personal auto insurance
Cars, trucks & SUVs for everyday use
- Everyday driving — commuting, errands, school runs, and family trips.
- Owned or leased by you — the vehicle is registered to an individual, not a business.
- Standard coverages — liability, collision, comprehensive, PIP, and uninsured motorist.
- Not for business use — claims may be denied if the vehicle is used primarily for work.
Commercial auto insurance
Business vehicles, fleets & employee drivers
- Business use — covers deliveries, job-site travel, and company errands.
- Higher liability limits — protects your company from costly lawsuits after an at-fault accident.
- Employees behind the wheel — covers staff driving company-owned or rented vehicles.
- Hired & non-owned auto — extends coverage when employees use personal vehicles for work.
How much does auto insurance cost in Middleburg?
Rates depend on your driving record, vehicle type, annual mileage, coverage limits, and credit history. Because we're independent, we compare quotes from several carriers to find the strongest combination of price and protection — and we'll explain each option so you can choose with confidence.
Why choose Erwin Insurance Agency
We're not a national call center. We're your neighbors in Middleburg, and we understand the driving conditions, insurance requirements, and everyday risks of living in Clay County. When you need to add a vehicle, file a claim, or adjust your coverage, you can reach a real person who knows your policy.
Frequently asked questions
- Is auto insurance required in Florida?
- Yes. Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) for every registered vehicle.
- What's the difference between personal and commercial auto insurance?
- Personal auto insurance covers everyday driving. Commercial auto insurance covers vehicles used for business, including deliveries, job-site travel, and employee drivers.
- Can I add roadside assistance to my policy?
- Yes. Most carriers offer roadside assistance, rental reimbursement, and other optional coverages you can add to your auto policy.