Sun Coast


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Sun Coast Insurance specializes in providing insurance products to those in need of coverage. For over thirty years, Sun Coast has provided their clients with the support and service they need to remain eligible per state law and receive help during times of need. In addition to providing auto insurance, Sun Coast also provides E&O insurance and ocean marine coverage. Their operation even extends down into Mexico, covering drivers there.

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The Good

  • Service Coverage
  • Usage-Based Auto Insurance
  • Discounts

Service Coverage

There are a number of service coverage options for drivers to choose from. Coverage will provide the protection and help you need to recover from losses typically experienced as a result of a car accident. Coverages and protection options available through Sun Coast include: bodily injury and property damage insurance, comprehensive and collision coverage, medical payments insurance, uninsured motorist and underinsured motorist insurance, loan/lease gap coverage, rental reimbursement coverage, and roadside assistance.

Usage-Based Auto Insurance

The DriveSure product is an updated usage-based auto insurance policy. Using telematics technology, the DriveSure auto insurance product can detect the way a vehicle is driven and reward good drivers with good driving discounts. This product is not supposed to be "big brother," but rather should provide savings to drivers with positive habits.


While Sun Coast does not offer nearly as many discount opportunities as other auto insurance providers, there are ways for their customers to save on their premiums. Available discounts include the following: multi-car discounts, safe driver discounts, and homeowner discounts. These discounts will be applied to eligible drivers.

The Bad

  • Limited availability
  • No online management
  • Application Process

Limited Availability

The ability to provide auto insurance in Mexico may lead some to believe that Sun Coast is a large insurance provider, however that is not necessarily the case. As of right now, there are only three states with access to the Sun Coast platform. Only residents of Arizona, California, and Utah will be able to purchase a Sun Coast auto insurance policy.

No Online Management

Many auto insurance providers have provided their customers with an online platform that allows for complete management. Typically, these services allow users to manage their policy, pay bills, and file accident or injury claims. However, Sun Coast does not provide this capability and their customers will need to follow a more traditional format to manage their policy.

Application Process

In order to get started with Sun Coast, prospective clients will need to download an application and fill out before a quote can be obtained. This is an out-of-date way to manage the application process and may pro-long how long it takes to get necessary coverage.

The Bottom Line

The Sun Coast auto insurance platform provides a variety of coverage options to a limited service area. Despite offering coverage in Mexico, there are only three states that currently accept Sun Coast as an insurance provider. Since there is no information on premiums or rates, it is hard to say for sure whether or not their pricing is competitive and is worth pursuing. For those who may have residencies in both Mexico and an available state, Sun Coast may be a good option to look into. Otherwise, the coverage and limited benefits may keep you from enrolling in one of their products.

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