Auto Insurance · Florida

Stop paying the
loyalty tax on your car.

Your rate creeps up every renewal and they bank on you not noticing. Luna watches it across 20+ Florida carriers, and a licensed advisor down the street — not a call center in Nebraska — locks in the right policy and re-checks it every six months.

4.7 · Google reviews
SR-22 & FR-44 welcome
Se habla español
A car on a Miami street at golden hour
Covered in Miami
Drive easy.
Luna found a switch
Auto · 33139
New rate
$128/mo
Saved
$540/yr
Re-shop
Every 6 months

Comparing real auto quotes from Florida's top carriers

Geico Nationwide Liberty Mutual Travelers Mercury
What's covered

Coverage, translated into human.

No jargon, no fine-print games — here's what your policy actually does when a Tuesday on the Palmetto goes sideways.

Liability — the law's baseline

Covers the other driver if you're at fault. Florida's PDL+PIP minimum is barely a fig leaf — we'll show you in plain dollars why it leaves you exposed.

Comprehensive

Theft, a busted window, flooding, a coconut through the windshield — everything that isn't a crash. In a hurricane state, it's the coverage folks skip until the season they don't.

Most claimed in FL
Storm & flood damage

Collision

Repairs your ride after a wreck, whoever caused it — from a fender-bender on Bird Road to the full rebuild.

Uninsured motorist

1 in 5 drivers down here rolls uninsured. When one of them clips you and vanishes, UM is what actually pays.

Beyond the basics

Add-ons most agents forget to mention.

Roadside, rental, gap, OEM parts — the small line items that turn a tow on I-95 into a shrug. Luna flags only the ones worth it for your car.

Roadside Rental car Gap coverage OEM parts
Luna Smart Quote Engine

She watches your rate
so you don't have to.

Tell Luna about your car once. She checks live prices across 20+ Florida carriers, re-shops every renewal, and hands a local advisor the best options to walk through with you — in plain English or español.

Live price check
Luna pings multiple carriers at once to see who actually wants your business today.
Re-shopped every 6 months
When a carrier hikes your renewal, Luna already has a better option lined up.
A human signs off
A licensed Florida advisor reviews every switch before anything changes. Luna never binds coverage alone.
Luna Assistant
Online
Checking ratesComparing 24 carriers for your 2024 Honda Civic…
Found 3 better options with the same coverage.
AdvisorMaria will confirm the switch — free callback at 2:00 PM today?
Traffic at a Brickell intersection in Miami
The roads we know
Brickell, FL
Florida-built coverage

We know how
Miami drives.

No-fault rules, PIP minimums, and one of the highest uninsured-driver rates in the country. We build your policy around how Miami actually drives — not a template some carrier wrote in another state.

1 in 5
FL drivers are uninsured — we make sure UM has your back.
No-fault
We translate Florida's PIP rules into a policy that actually protects you.
SR-22
DUI or suspension? We have carriers that get you back on the road — no judgment.
2 min
From quote to a human callback — bilingual, local, no call center.
Real talk

The questions everyone actually asks.

"My renewal jumped $40 a month and I was ready to just eat it. wyn had me switched to a better carrier the same afternoon — same coverage, less money. I didn't lift a finger."

Daniela R. · Coral Gables · Auto + Renters

Ready to stop overpaying?

Get an auto quote in minutes — or unlock member rates and dark mode with 305.