Tower Hill Auto Insurance Review (2022)

Tower Hill auto insurance isn't available directly, but an agent may be able to help you through an affiliate. Tower Hill is one of the leading home insurance companies in Florida with over 1.7 million customers. Need auto insurance now? Use our FREE quote tool below.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Aug 17, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: Post Office Box 147018
City: Gainesville
State: FL
ZIP Code: 32614-7018
Phone Number: 1-800-342-3407
Year Founded: 1972
AM Best Rating: N/A

Things to remember...

  • Tower Hill doesn’t write auto insurance
  • Tower Hill is a regional property insurance company based out of Florida
  • You might be able to get auto insurance from one of Tower Hill’s affiliated companies

Tower Hill is a regional insurance company that touts itself as one of Florida’s largest residential property insurers. Tower Hill repeatedly comes up as a legitimate provider of residential and commercial property insurance.

With home and business insurance taken care of, it is natural to wonder if Tower Hill offers auto insurance bundling options and if it is a good company to purchase auto insurance from. Our detailed guide for Tower Hill auto insurance provides contact information and claims processes to company history and quote options, and we have the answers to your questions regarding Tower Hill car insurance.

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We know that choosing the right auto insurance company can be a difficult process, and we are here to help make that decision-making process easier. Before jumping into our Tower Hill auto insurance review, try out our free online quote option if you’re looking for affordable estimates from multiple auto insurance companies.

Does Tower Hill sell auto insurance?

Tower Hill does not currently sell auto insurance, so any ideas about auto insurance discounts are clearly not an option. Rather, the company focuses primarily on residential and business property insurance in the Florida region.

Tower Hill does have partnerships with multiple insurance agencies, so there is a possibility that your local area affiliate could provide auto insurance. However, it would not be directly through Tower Hill Insurance or its affiliates.

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The table below shows what you can expect to pay annually for auto insurance.

Average Annual Auto Insurance Rates by Marital Status, Age, and Gender
CompaniesMarried 60-Year-Old FemaleMarried 60-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleSingle 17-Year-Old FemaleSingle 17-Year-Old Male
USAA$1,449.85 $1,448.98 $1,551.43 $1,540.32 $1,988.52 $2,126.14 $4,807.54 $5,385.61
State Farm$1,873.89 $1,873.89 $2,081.72 $2,081.72 $2,335.96 $2,554.56 $5,953.88 $7,324.34
Progressive$1,991.49 $2,048.63 $2,296.90 $2,175.27 $2,697.73 $2,758.66 $8,689.95 $9,625.49
American Family$1,992.92 $2,014.38 $2,202.70 $2,224.31 $2,288.65 $2,694.72 $5,996.50 $8,130.50
Travelers$2,051.98 $2,074.41 $2,178.66 $2,199.51 $2,325.25 $2,491.21 $9,307.32 $12,850.91
Nationwide$2,130.26 $2,214.62 $2,360.49 $2,387.43 $2,686.48 $2,889.04 $5,756.37 $7,175.31
Geico$2,247.06 $2,283.45 $2,302.89 $2,312.38 $2,378.89 $2,262.87 $5,653.55 $6,278.96
Farmers$2,336.80 $2,448.39 $2,556.98 $2,557.75 $2,946.80 $3,041.44 $8,521.97 $9,144.04
Allstate$2,913.37 $2,990.64 $3,156.09 $3,123.01 $3,424.87 $3,570.93 $9,282.19 $10,642.53
Liberty Mutual$3,445.00 $3,680.53 $3,802.77 $3,856.84 $3,959.67 $4,503.13 $11,621.01 $13,718.69
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If you are a Florida resident, we suggest that you don’t hold your breath waiting for Tower Hill to sell auto insurance and start looking elsewhere when choosing the right auto insurance company for your coverage.

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Where is Tower Hill located?

Tower Hill Insurance’s headquarters is located at 7201 NW 11th Pl., Gainesville, FL 32605. The company also has over 850 partnered agencies throughout the state of Florida.

More: The Zebra Auto Insurance Review (2022)

If you are looking for the closest Tower Hill Insurance location near you, the company does provide a search option on their website to find your local affiliate.

Does Tower Hill have agents?

Tower Hill has agents throughout the state of Florida. The company has a search engine on its site that assists potential policyholders with finding the closest local agent.

Tower Hill Insurance is partnered with over 850 insurance agencies throughout the state of Florida, so chances are you will not have any difficulty finding an agent in your area.

How do I file a claim with Tower Hill?

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Tower Hill Insurance claims can be filed online or by calling Tower Hill Insurance’s phone number for Claims Services at 1-800-342-3407.

Claims documentation, such as photos, estimates, and receipts, can be emailed to [email protected] Be sure to include your claim number in the subject line.

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How do I get a quote from Tower Hill?

Tower Hill has what it calls a quick quote option, which is a search option for potential policyholders to receive estimates located on its website.

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If you would rather a more personable approach, you can reach out by telephone at 1-800-342-3407 or find a local affiliated agent. Once again, an agent search option is available online to speak directly about estimates on your home or commercial property.

Even though Tower Hill does not offer auto insurance quotes, you can still get detailed auto insurance estimates in your area with our free online quote option. All you do is type in your ZIP code, and we take care of the rest. In no time, you’ll receive a list of quotes from the top auto insurance companies in your area. It really is that simple.

Tower Hill History

Tower Hill is a young company having begun operations in 1972 with the same focus they have today on residential and commercial property insurance in the Florida region. Founded by W.T. Shively in Miami, Florida, like Mobile Home Insurance Associates, the company quickly partnered with Omega Insurance by 1987 continuing to expand its operations outside of the mobile home division to all residential and commercial properties.

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The Office of Coastal Management reports that in the Florida region, hurricanes have accounted for close to 14 percent of damaged property costs in the U.S. since 1986, which is 68.6 billion out of the measured 515.4 billion in catastrophic damage costs.

Tower Hill saw this need in the Florida insurance market for better coverage in case of catastrophic hurricanes and has been there for its policyholders for over 13 of Florida’s most devastating hurricanes.

The company’s popularity in the Florida region is definitely warranted given its track record in paying out claims following hurricanes, but it has also structured its policy plans to promote full coverage on both property and personal items.

According to the Insurance Information Institute (III), standard homeowner policies actually only provide 50–70 percent of the amount of insurance you take out on the structure of your home. Since hurricanes generally damage closer to 100 percent of residents’ property, Tower Hill adapted its policies to offer additional coverage options for personal items under the Tower Hill Emerald Endorsement.

The video below explains the need for such add-ons and endorsements in the Florida region.

Today, Tower Hill has continued its expansion even extending operations to out-of-state while merging with both Hillcrest and Royal Palm Insurance divisions. It has even begun to rival larger insurance affiliated companies, such as Frontline, having serviced over 1.7 million customers since the company’s inception.

Is Frontline a good insurance company? How does the rating of Frontline, a larger property insurance company in the Southeastern region of the U.S., compare with the likes of Tower Hill? The Tower Hill Insurance Demotech rating (a credit rating agency for regional insurance carriers) is an A superior rating, as is that of Frontline.

What is Tower Hill Insurance Company rated by consumer agencies? As far as customer reviews of Tower Hill Insurance, its Better Business Bureau (BBB) rating sits at a solid A+. It seems Tower Hill has emerged as the Southeastern front runner for residential and commercial property insurance in the short time that it has been in operation.

Tower Hill Insurance: The Bottom Line

Tower Hill Insurance is a regional carrier for the Florida area and is focused on residential and commercial property insurance. It has made a name for itself in the short run since the 1970s, but it does not offer auto insurance plans. If you are looking for cheap auto insurance rates, Tower Hill is not the insurance company for you.

Are you still interested in finding affordable auto insurance in your area?

If so, try out our free online quote option now that you’ve finished this Tower Hill auto insurance review. You simply type in your ZIP code, and we will guide you through the rest of the process. Before you know it, you’ll receive detailed quotes from multiple insurance companies in your area. It’s that simple.

Free Auto Insurance Comparison

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Frequently Asked Questions: Tower Hill Insurance

#1 – What is the best homeowners insurance in Florida?

Is American Integrity a good insurance company? What about other options? To compare companies, you will want to look at Olympus Insurance reviews as well as Omega Insurance reviews. We have already mentioned a bit about Frontline Insurance reviews above. Lexington Insurance Company is another Florida company to include in your reviews.

#2 – Does Tower Hill Insurance have dog restrictions?

Some insurance companies have dog breed restrictions. Tower Hill doesn’t clarify this on the website, so it’s best to ask your agent.

#3 – Who owns Tower Hill Insurance?

Twoer Hill is still owned by its founders, the Shivley Family.

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