Low Cost Auto Insurance Associates

What Low Cost Auto Insurance Associates does

Low Cost Auto Insurance Associates is a privately held, independent insurance agency operating from a single retail office at 335 Crossing Blvd Suite 3, Orange Park, FL 32073, serving individual drivers across Clay County and the broader Jacksonville metro area. The agency functions as an independent broker, comparing quotes from multiple top-rated Florida auto insurance carriers on behalf of each customer to surface the lowest-priced policy for their situation, rather than acting as a captive agent for any single carrier. Core products include Florida minimum liability coverage (PIP + PDL), full coverage auto insurance, same-day SR22 filings, non-owner car insurance, and affordable liability policies tailored for drivers with bad credit, lapses in coverage, or past tickets, complemented by hands-on claims support and annual renewal re-shopping.

The business generates revenue through commissions paid by multiple Florida carriers on each policy sold or renewed, with flexible monthly payment plans offered on most policies. Distribution is entirely direct-to-consumer, combining a walk-in storefront, inbound phone sales, SMS, and a website quote form; the agency markets primarily through its Google Business Profile, local SEO, and customer referrals. The operation is small (1-10 employees per firmographic data), open 7 AM to 8 PM six days a week, and offers bilingual English/Spanish service. The firm is licensed by the Florida Department of Financial Services to sell auto insurance throughout Florida. No proprietary technology platform, AI capabilities, funding rounds, parent company, or institutional investors are disclosed in the available data.

Name

Low Cost Auto Insurance Associates

Legal name

Low Cost Auto Insurance Associates

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Low Cost Auto Insurance Associates is an independent Florida insurance agency in Orange Park that shops multiple carriers to deliver affordable auto, SR22, non-owner, and bad-credit policies to individual drivers across Clay County and Jacksonville metro.

Ownership category

akta.pro rank

Product category

Personal Auto Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industries

Minimum-Limits / State-Minimum Personal Auto Insurance (FSAJAAAE), Non-Standard / High-Risk Personal Auto Insurance (FSAJAAAD), Full-Coverage Personal Auto Insurance (FSAJAAAF)

Keywords

• Auto insurance agency
• Cheap car insurance
• SR22 insurance filing
• Independent insurance broker
• Florida auto coverage

Headquarters

HQ city

Orange Park

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Policy Commissions: As an independent insurance agency, the company earns commissions from multiple Florida auto insurance carriers for each policy sold or renewed. Revenue is generated from premiums paid by customers, with the agency receiving a percentage as commission. Flexible monthly payment plans are available on most policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Low Cost Auto Insurance Associates is an independent insurance agency that compares quotes from multiple top-rated Florida auto insurance carriers to sell affordable auto coverage to individual drivers. Its core offerings include Florida minimum liability (PIP + PDL), full coverage auto insurance, same-day SR22 filings, non-owner car insurance, and affordable liability for drivers with bad credit, supported by hands-on claims and renewal services.

Product overview

Low Cost Auto Insurance Associates is an independent insurance agency offering a portfolio of auto insurance products and services. The core offerings include Low Cost Liability Coverage (state-minimum PIP and PDL policies), Full Coverage Auto Insurance (comprehensive and collision), SR22 Insurance Filing, Non-Owner Car Insurance, and Affordable Liability for Bad Credit. These products are complemented by Claims Support & Renewals services. The agency functions as an independent broker, comparing quotes from multiple Florida carriers to find the lowest price for each customer's situation.

Differentiator

Problem solved

Functional benefit

Products and services

• Low Cost Liability Coverage Florida minimum liability (PIP + PDL) policies at competitive monthly rates, designed for budget-conscious drivers in Orange Park and Clay County.
• Full Coverage Auto Insurance Comprehensive and collision coverage with low deductibles for newer vehicles, financed cars, and leased vehicles across Orange Park and Jacksonville.
• SR22 Insurance Filing Same-day SR22 filing service with the Florida DMV for high-risk drivers, paired with affordable SR22 insurance and flexible monthly payment plans.
• Non-Owner Car Insurance Florida non-owner car insurance for drivers who do not own a vehicle but need continuous liability coverage to maintain a valid license or meet SR22 requirements.
• Affordable Liability for Bad Credit Cheap auto insurance for drivers with bad credit, lapses in coverage, or past tickets, sourced through carriers that do not penalize the customer solely for credit score.
• Claims Support and Renewals Hands-on claims assistance plus annual renewal reviews that re-shop the policy to ensure customers do not overpay for car insurance in Orange Park.

Quantifiable outcome

• Most quotes take 10 to 15 minutes by phone or in person
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Multiple Florida Auto Insurance CarrierscoreOthersThe agency operates as an independent insurance agency, comparing quotes from multiple top-rated Florida auto insurance carriers. Specific carrier names are not disclosed on the website. This multi-carrier partnership model allows the agency to shop rates on behalf of customers to find the lowest price.

Scale indicators2 records

Expansion highlights4 records

Regional players

• Frankenmuth Insurance: Regional independent agency carrier/insurer focused on personal and commercial lines. Comparable because it competes in the personal auto space with independent agents, though primary footprint is in the Midwest rather than Florida.

Emerging players

• The Zebra: Digital auto insurance comparison platform. Comparable because it offers the same multi-carrier rate shopping that the agency provides, but in a self-serve online format that competes with the agency's walk-in and phone-based quote process.
• EverQuote: Online insurance marketplace that compares auto insurance quotes from multiple carriers. Comparable because it competes for the same online-quote-driven Florida drivers, siphoning demand that would otherwise flow to a local independent agency.

Direct peers

• Brightway Insurance: Florida-headquartered franchise platform for independent auto, home, and small commercial insurance agents. Comparable because it operates the same independent-agent, multi-carrier brokerage model serving Florida consumers, often competing for the same Orange Park / Jacksonville metro households.
• Goosehead Insurance: Public franchisor of independent insurance agencies that shop multiple carriers for personal lines including auto. Comparable business model: independent-agent brokerage with location-based service and commission-based recurring revenue across similar customer segments.
• Insurance Office of America: Large Florida-based independent insurance agency offering personal and commercial lines through multiple carriers. Comparable because it competes for the same Florida personal auto customers and operates on a multi-carrier commission model, though at much larger scale.

Broad incumbents

• Progressive: Major direct and agency-channel auto insurer with strong Florida presence. Comparable because Progressive sells personal auto coverage to the same budget-conscious and high-risk segment through both direct online channels and independent agents like this one.
• GEICO: Direct-to-consumer auto insurance giant and major competitor to independent Florida agents. Comparable because it competes on price for the same minimum-liability and full-coverage customers in Orange Park and the broader Jacksonville metro, eroding the agency value proposition.
• Allstate: Large national personal auto and home insurer with captive agents competing in the same Florida geographies. Offers the same minimum-liability to full-coverage spectrum and serves the same price-sensitive drivers, though through an exclusive-agent model rather than independent brokerage.
• State Farm: National incumbent personal lines carrier with a large captive agent network. Comparable because State Farm agents in Orange Park and Jacksonville directly compete for the same personal auto insurance customers, including low-cost and SR22 buyers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Low Cost Auto Insurance Associates