Cheapest Auto Insurance in Panama City, Florida (2024)
State Farm is the cheapest car insurance company in Panama City, with liability-only rates of $50 per month.
Actualizado el 6 de mayo de 2024
Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
¿Por qué puedes confiar en Insurify: Insurify es la plataforma mejor valorada de comparación de seguros en América. Nos asociamos con compañías principales de seguros, y somos licenciados en todos los 50 estados. No obstante, los expertos en seguros que escriben nuestro contenido operan de manera independiente de estos socios, y se puede aprender más de cómo hacemos dinero al ver nuestra revelación de anuncios. También mira reseñas de más de 3,000 clientes satisfechos, nuestra metodología de datos, y nuestros estándares editoriales.
Las tarifas más baratas encontradas recientemente en Florida
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $44/mes para solo responsabilidad y $82/mes para cobertura total en Florida.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
If you live in Panama City, you can expect to pay an average of $187 per month for car insurance. While this means Panama City has some of the more affordable auto insurance rates in Florida, these rates are generally higher than those paid across the country.
Unfortunately, high rates are common in Florida. The state’s unpredictable weather and devastating hurricanes bear some of the blame, but it also has many uninsured and high-risk drivers. Insurance companies seek to spread out this risk by assigning higher rates to all insured drivers.
Here’s how to find cheap car insurance in Panama City, Florida.
Datos Breves
State Farm, GEICO, and Hugo offer the lowest rates for liability-only insurance in Panama City.
Panama City drivers pay a monthly average of $233 for full coverage and $140 for liability-only coverage.
Florida is a no-fault state, meaning drivers file claims through their own insurance companies no matter who caused the accident.
Cheapest car insurance companies in Panama City
The best car insurance policy for you will depend on your driving and household needs. Some companies are more willing to insure drivers with incidents on their driving records.
The best way to find the best policy for you is to compare quotes from several different insurers. Included below are three of the top insurers in the area, as well as their average quotes in Florida for full-coverage and liability-only insurance.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.6
$82
$70
Affordable rates
GEICO
4.4
$84
$72
Coverage after a DUI
Mile Auto
3.7
$185
$134
Low-mileage drivers
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.
Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$58/mo
The nation’s leading insurer based on the number of policies written, State Farm offers some of the lowest rates in Florida. This means the company should be part of any insurance price comparison you start. State Farm also earns high marks for its customer service and financial stability.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo
Some companies refuse to insure drivers after a DUI because they see them as an almost guaranteed financial loss. But GEICO gives drivers a second chance in Panama City, and the company’s rates are generally more competitive than a lot of companies insuring drivers with DUIs.
Ventajas
Will file an SR-22 or FR-44 with the courts on your behalf
Offers comparatively lower rates for drivers with and without a DUI
Contras
Local agent network can be limited
Bundling discount smaller than with some other companies
We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!
Elizabeth - April 25, 2024
Verified
Excellent
It has always been great.
Andrew - April 24, 2024
Verified
AI-Run, Money-Hungry Company
The customer service is poor and very unprofessional. It's impossible to speak to an agent.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from aaa (exceptional) to c (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$98/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$136/mo
Car insurance in Florida can be expensive, but one way to reduce your cost is to look at an insurer like Mile Auto, especially if you’re a low-mileage driver. Mile Auto charges based on the amount you drive, and this can be an intriguing option for seniors, people who work from home, and others who rarely use their vehicles.
Ventajas
Provides unmatched control over your insurance costs
Great for retirees and people who seldom drive
Contras
Not accredited by the Better Business Bureau
May not be the best choice for people who drive frequently or professionally
How to get the cheapest car insurance in Panama City
Insurance companies look at several factors when deciding car insurance rates, including your home ZIP code, how many miles you drive, your credit history, your age, your driving record, and more.
Some of these considerations are outside your control, but here are some things you can do to reduce your car insurance rates:
Compare several quotes at once. Pull quotes from several insurance companies with roughly the same coverage, and compare them directly to see how they stack up against one another.
Take advantage of discounts. Insurers offer several different discounts for things like bundling, getting good grades, being a safe driver, and more. Ask your insurer what discounts are available to see what you may qualify for.
Maintain a safe driving record. An incident like a speeding ticket, at-fault accident, or DUI can have a dramatic effect on your insurance rates. While accidents can’t always be avoided, you can easily ward against speeding or DUI to protect your insurance rates.
Find Cheap Car Insurance in Panama City, Florida
Liability rates start at $50 per month
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Cheapest liability-only car insurance in Panama City: State Farm
In Florida, liability car insurance pays for the other driver’s car repairs and your medical bills in an accident you cause. However, liability-only coverage won’t pay for any vehicle damage you sustain in the accident. As such, liability insurance is generally the most affordable coverage option, and the average rate for liability-only coverage in Panama City is $140 per month.
Here, you can see a collection of average quotes from top insurers in the area.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
50
GEICO
52
Hugo
56
Allstate
88
Safeco
96
Mile Auto
98
Travelers
104
Mercury
109
Liberty Mutual
115
Direct Auto
117
Midvale Home & Auto
130
Progressive
132
Infinity
148
Foremost
156
Dairyland
158
AssuranceAmerica
172
Bristol West
204
National General
227
The General
233
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest full-coverage car insurance in Panama City: State Farm
Full-coverage car insurance provides the same protections as liability coverage but also covers your damage after an accident. This means full coverage is often more expensive, but the coverage can be worth it if you have an expensive car or a vehicle you would struggle to replace if it were totaled.
The average cost of full coverage in Panama City is $233 per month, and you can see average quotes from top insurers below.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
58
GEICO
60
Hugo
64
Allstate
102
Travelers
122
Mercury
128
Safeco
131
Mile Auto
136
GAINSCO
160
Infinity
173
Liberty Mutual
175
Midvale Home & Auto
187
Direct Auto
188
Progressive
188
Foremost
229
National General
229
AssuranceAmerica
235
Dairyland
281
Bristol West
291
The General
331
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Car insurance requirements in Florida
Florida is a no-fault state. This means each driver files a claim through their own insurance company for bodily injuries after an accident, regardless of who’s at fault. For this reason, Florida drivers must carry personal injury protection and property damage liability with certain limits to cover associated damages.[1]
To drive legally in the state of Florida, your coverage must meet or exceed the requirements below:
Coverage
Minimum Requirements
Personal injury protection (PIP)
$10,000
Property damage liability
$10,000
While the coverage limits listed above meet minimum requirements, you may want to enhance your coverage with additional protections, including:
Bodily injury liability coverage
While each driver’s PIP coverage goes toward their own medical expenses, the coverage has limitations. Bodily injury liability goes toward the other driver’s expenses that PIP doesn’t cover if you’re at fault for an accident.
Additional PIP coverage
This supplemental coverage acts in addition to your traditional PIP coverage to protect you and your family.
Medical payments coverage
This option covers medical expenses in a way that’s similar to health insurance and can supplement your existing coverage.
Cheapest car insurance for drivers with an incident
Insurance companies charge more after driving incidents to hedge their bets against future claims. Driving incidents include accidents, speeding tickets, DUIs, and other moving violations. In the case of a DUI, the company may refuse to cover a driver altogether.
In the sections that follow, you’ll see how each incident type affects the rates you pay in Panama City.
Shop for Car Insurance in Panama City, FL
Monthly rates start at $50 for drivers with an incident
Seguro. Gratis. F ácil de usar.
Basado en más de 3806 reseñas
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets can be an indication of how safe a driver you are. Insurers believe the more you speed, the more likely you are to become involved in other risky behaviors.
The average cost of insurance for drivers with a speeding ticket is $222 per month in Panama City.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
50
58
GEICO
52
61
Hugo
56
70
Allstate
88
103
Safeco
96
114
Mile Auto
98
125
Travelers
104
123
Mercury
109
138
Liberty Mutual
115
150
Direct Auto
117
139
Midvale Home & Auto
130
158
Progressive
132
155
Infinity
148
181
Foremost
156
204
Dairyland
158
186
AssuranceAmerica
172
207
Bristol West
204
237
National General
227
296
The General
233
277
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with an at-fault accident: State Farm
At-fault accidents can be among the most expensive claims an insurer must pay. And while accidents do happen, your insurer is apt to look at you as being higher-risk — and potentially more expensive — if you have an accident on your record.
The average cost of car insurance with an accident on your record is $240 per month in Panama City.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With Accident
State Farm
50
63
GEICO
52
66
Hugo
56
68
Allstate
88
110
Safeco
96
117
Mile Auto
98
136
Travelers
104
132
Mercury
109
146
Liberty Mutual
115
159
Direct Auto
117
151
Midvale Home & Auto
130
173
Progressive
132
169
Infinity
148
183
Foremost
156
215
Dairyland
158
199
AssuranceAmerica
172
217
Bristol West
204
252
National General
227
282
The General
233
299
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is a dealbreaker for many insurance companies. Not only are they life-threatening for everyone the impaired driver encounters, but they’re also expensive for both the driver committing the DUI and the company insuring the driver.
Many insurance companies will drop drivers after their first offense, but GEICO, Farmers, and Travelers will insure a Florida driver, giving them a second chance. The average rate for car insurance for drivers with a DUI in Panama City is $277 per month.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With DUI
State Farm
50
79
GEICO
52
82
Hugo
56
88
Allstate
88
139
Safeco
96
152
Mile Auto
98
140
Travelers
104
164
Mercury
109
155
Liberty Mutual
115
182
Direct Auto
117
185
Midvale Home & Auto
130
205
Progressive
132
208
Infinity
148
234
Foremost
156
246
Dairyland
158
249
AssuranceAmerica
172
271
Bristol West
204
322
National General
227
358
The General
233
368
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for seniors: State Farm
Drivers generally enjoy the lowest insurance premiums during their middle-aged years. However, as eyesight weakens and reflexes slow, premiums climb again. This commonly happens around age 70.
If you’re a senior in Panama City, you can expect to pay around $156 per month on average for car insurance. Here, you can see how that stacks up against quotes that top insurers offer.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Liability Only
Full Coverage
State Farm
39
45
Hugo
40
46
GEICO
41
48
Allstate
71
82
Mile Auto
74
103
Safeco
77
106
Mercury
82
97
Travelers
82
96
Direct Auto
90
144
Liberty Mutual
91
138
Progressive
95
136
Midvale Home & Auto
99
143
Infinity
112
131
Foremost
122
179
Dairyland
127
226
AssuranceAmerica
131
179
Bristol West
164
233
National General
183
184
The General
191
272
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for teens: GEICO
Teenagers are relatively inexperienced drivers. They’re also statistically more likely to engage in dangerous driving behaviors, like driving after dark and distracted driving. As such, teens are much more likely to be in a car accident. Insurance companies anticipate this and charge more up front to insure young drivers.
The average cost of teen car insurance in Panama City is $286 per month.
To lower rates, parents can keep young drivers on their policies and make sure teens take advantage of every discount available. Certain companies offer discounts for safe driving, good grades, being away at school, and more. Here, you can see the quotes offered by top insurers in the area.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Liability Only
Full Coverage
GEICO
75
86
State Farm
78
90
Hugo
90
103
Allstate
142
164
Travelers
173
203
Mile Auto
176
244
Mercury
184
216
Safeco
189
258
Direct Auto
198
318
Liberty Mutual
199
303
Midvale Home & Auto
209
301
Progressive
221
315
Dairyland
244
434
Infinity
251
294
Foremost
255
374
AssuranceAmerica
296
404
Bristol West
320
456
The General
346
492
National General
391
394
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Find Car Insurance in Panama City
Check quotes from 100+ top insurance companies
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Panama City car insurance quotes by credit tier
Florida permits insurers to consider a driver’s credit report to create a credit-based score and factor that score into the quotes they offer. This means drivers with an excellent or good credit rating pay lower rates than drivers with fair or poor credit.
Here, you can see how your credit affects the quotes you get for car insurance.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Panama City?
Generally speaking, Florida is one of the country’s more expensive states for car insurance. The average rate for full coverage in the state of Florida is $297 per month, and the average rate for liability-only coverage is $215 per month.
Compare these rates against the national averages of $214 for full coverage and $104 for liability, and you can see that car insurance is more expensive in Florida.
More cities in Florida
Car insurance in Florida exceeds the national averages, but how do rates in Panama City stack up against other Florida cities? The table below shows you the differences.
The average rate for insurance in Panama City is $187 per month.
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Panama City car insurance FAQs
Looking for more information to help you find the best car insurance in Panama City? Consult the answers below.
How much is car insurance in Panama City?
The average rate for full-coverage car insurance in Panama City is $233 per month, and the average rate for liability-only coverage is $140 per month.
Who has the cheapest car insurance in Panama City?
The cheapest insurers in Panama City are State Farm, GEICO, and Hugo. They offer monthly liability-only rates of $50, $52, and $56, respectively. Keep in mind that another insurer may be cheaper for you based on your circumstances. That’s why it’s important to always compare quotes from several insurers before deciding on a policy.
What are the best car insurance companies in Panama City?
State Farm, GEICO, and Mile Auto rank as three of the top insurers in Panama City. State Farm and GEICO are among the largest insurers in the country and have earned high marks for financial stability, total offerings, and customer service. Mile Auto is a newer insurance company that offers one-of-a-kind control over your insurance by charging you based on the amount you drive.
What is the average cost of car insurance per month in Florida?
The average cost of car insurance in Florida is $256 per month. This makes Florida one of the most expensive states in the nation in terms of average insurance premiums. These high prices are due in part to the weather in Florida and the high number of uninsured drivers.
What is the least amount of car insurance you need in Florida?
To drive legally in the state of Florida, you must have car insurance that meets or exceeds the state’s minimum standards. This includes a personal injury protection limit of $10,000 and a property damage liability limit of $10,000.
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.