If you live in South Florida and need car insurance, The Responsive Auto Insurance Company might be right for you.


When shopping for car insurance, it’s important to understand your options. Along with some of the best car insurance companies, we’ve researched The Responsive Auto Insurance Company’s coverage, discounts, claims process, and other important factors and believe the company offers Florida drivers affordable coverage.

The Responsive Auto Insurance Company’s network of independent insurance agents gives drivers personalized local service, and the company's Preferred Shops across South Florida provide repairs with a long-term guarantee.

Keep reading for our review of The Responsive Auto Company, then use the tool below or simply call (844) 246-8209 to start comparing free auto insurance quotes from providers near you.


In this article:

The Responsive Auto Insurance Company Overview

Since 2007, The Responsive Auto Insurance Company has brokered car insurance policies for a network of over 300 independent insurance agencies across South Florida. Customers who call a local office or visit in person can explore the company’s coverage options and rates.

Most agents in the network have extended service hours and offer bilingual assistance. The Responsive Auto Insurance Company says on its website that it works with agencies where staff have excellent communication skills and that it holds its partners to a high standard. Though, according to some online reviews, the company has room for improvement.



Responsive Auto Insurance Coverage

The Responsive Auto Insurance Company offers the mandatory minimum Florida auto insurance, as well as optional coverages. An agent can help you decide which types of auto insurance and limits are appropriate for you based on the type of vehicle you drive, its age and value, and your financial circumstances.

The following types of car insurance coverage are required under Florida law:

  • Personal injury protection (PIP) coverage will pay for medical treatment for accident-related injuries (minus your policy’s deductible and any applicable copayments). In Florida, anyone who is injured in a motor vehicle accident must seek payment for medical expenses from his or her own insurance company, regardless of who is deemed at fault for the accident. PIP may also partially cover lost wages if you can’t work due to an accident, pay if you need to hire someone to help you with day-to-day tasks, and reimburse you for the cost of transportation to medical appointments.
  • Property damage liability coverage will pay to repair or replace someone else’s property that's damaged in an accident you cause. Your property damage liability policy can cover damaged vehicles, buildings, signs, fences, and other types of property, but it won’t pay for damage to your own vehicle or to your own property. Property damage liability policies issued by The Responsive Auto Insurance Company don’t have a deductible.

The Responsive Auto Insurance Company also offers these types of optional coverage:

  • Bodily injury liability coverage will pay for other parties' medical expenses after an accident you cause. There is no deductible for bodily injury liability coverage policies offered by The Responsive Auto Insurance Company.
  • Comprehensive coverage will pay for damage caused by an act of nature or event beyond your control such as weather, flooding, fire, theft, vandalism, or hitting an animal. If you select this coverage, The Responsive Auto Insurance Company will pay for vehicle repairs beyond the amount of your deductible.
  • Collision coverage will pay for repairs to your own vehicle after an accident you cause. Collision coverage will kick in after your deductible has been met.
  • Uninsured motorist coverage will help in an accident in which another driver is at fault and that person is uninsured or doesn’t have enough liability auto insurance coverage. Uninsured motorist coverage will pay for your medical costs and other related expenses that aren’t covered under your PIP coverage, up to your policy’s coverage limit.
  • Towing coverage will reimburse you for up to $75 in towing fees or road service costs if your vehicle is disabled.
  • Rental car reimbursement coverage will reimburse you for rental car fees up to your policy’s limit while your vehicle is in the shop after an accident.



Discounts Offered By The Responsive Auto Insurance Company

The Responsive Auto Insurance Company offers discounts that can help customers save money, but they aren’t available for all policies. If you’re interested in one or more of these, ask your insurance agent if you qualify and how much discounts can reduce your premiums.

Discount Discount Availability


Available to customers who pay the entire premium for a six-month or annual policy up front.
Quick Pay (Electronic Funds Transfer) Available to customers who pay premiums automatically in monthly installments using an automatic transfer from a bank account, credit card, or debit card.
Transfer Available to drivers who have been driving for at least three years and have maintained active auto insurance coverage through a licensed insurance company with no gaps or cancellations in the six-month period prior to the start of a policy with The Responsive Auto Insurance Company.
Renewal Available to drivers who are renewing a policy, who have not had any accidents or major traffic violations in the past three years, and who have had continuous insurance coverage during the current policy period. A short lapse in coverage may be permitted in some cases.
Vehicle Feature Available to drivers of vehicles with factory-installed anti-lock brakes, air bags, and/or an anti-theft device. Multiple safety features can result in a larger discount. The amount of the discount also depends on the types of coverage chosen.
Safe Driver Available if none of the drivers listed on the policy has had an accident or been ticketed for a traffic violation in the past three years.


Available to customers who insure two or more vehicles through The Responsive Auto Insurance Company. People who live together can combine policies, even if the individuals are unrelated.
Homeowner Available to customers who own and reside in a house, condominium, or mobile home in the state of Florida.

To find other insurance providers in your area and see how their coverage options and discounts compare to those of The Responsive Auto Insurance Company, use the tool below or call (844) 246-8209 to start getting free, personalized quotes.



Responsive Auto Insurance Claims Process

The Responsive Auto Insurance Company works with a network of auto repair centers, called their "Preferred Shops," throughout South Florida. If you want, you can schedule a damage appraisal at a local Preferred Shop. The repair center can make arrangements to get your car towed there if it isn’t drivable. Or, a damage appraiser can meet you at an appropriate location and conduct an on-site appraisal.

The Responsive Auto Insurance Company’s Preferred Shops:

  • Meet all federal, state, and local laws and regulations
  • Maintain current certification requirements
  • Perform quality repairs

If you have your car repaired by one of those Preferred Shops, the work will be guaranteed for as long as you own or lease the vehicle. However, you are free to choose any repair shop you want and are never obligated to use a Preferred Shop.



Responsive Auto Insurance Reviews

The Responsive Auto Insurance Company has been accredited by the Better Business Bureau since 2015 and has earned an A+ rating from the BBB. It has received mixed reviews from its own customers and from drivers who were involved in accidents with the company’s customers.

Here are some examples of positive and negative reviews of The Responsive Auto Insurance Company:

“I had a great customer service experience with... the underwriting department. [My service representative] was able to help me solve my issue quickly and efficiently. She was super sweet and I really appreciated her help.”

- Gabriela Paz-Rodriguez via Google Reviews

“This is the worst experience ever. I got hit by one of their clients and now, a month later, they are giving me the run-around on getting my vehicle fixed. The adjuster... has done nothing with handling my claim and your agent... has no custimer service skills.”

- Keisha via Google Reviews

“I've had a policy with this company for about 10 years... I've done nothing that I'm aware of that would adversely affect my continued renewal of my insurance policy recently, yet just before my policy was to be renewed, I received a letter stating that my policy would not be renewed for underwriting reasons... Eventually I was told that they would issue me a new policy at a higher rate...for reasons that they would not disclose.”

- Gustav Peebles via Google Reviews



Our Take On The Responsive Auto Insurance Company: 3.5 Stars

Our team rates The Responsive Auto Insurance Company 3.5 out of 5.0 stars. The Responsive Auto Insurance Company allows drivers in Florida to connect with local agents and to customize their coverage to suit their needs and budget. The company’s flexibility and top rating from the Better Business Bureau appeal to many consumers, but some individuals have been disappointed by lackluster customer service.

To compare The Responsive Auto Insurance Company to other top providers, call our designated quotes team at (844) 246-8209 or use this free quote comparison tool:



Our Recommended Providers

You should always check rates from several auto insurers before purchasing a policy. We’ve researched several of the biggest car insurance companies and local providers and compiled a list of the ones we consider the best in the business. Here are some of our top picks:


State Farm

State Farm is the largest auto insurance company in the U.S. It insures drivers in every state and, like The Responsive Auto Insurance Company, operates through a network of dedicated agents. However, State Farm has a better reputation with customers. It offers a long list of discounts, as well as several mobile apps that let customers manage policies, file claims, and earn discounts for safe driving. For more information, read our State Farm auto insurance review.



People often think of AAA when they need roadside assistance, but the American Automobile Association also offers affordable car insurance in many states across the U.S., including Florida. Drivers frequently praised AAA for its customer service, making it a great alternative to The Responsive Auto Insurance Company. For more information, read our AAA insurance review.


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