Get to Know Nichols & Associates

Your Local Insurance Specialists in Panama City and Port St. Joe

For more than 30 years, we’ve helped Florida residents find insurance that fits their lives—not just their policies. At Nichols & Associates, we know that choosing coverage isn’t just about ticking boxes; it’s about feeling confident in your future. As a local agency with offices in Panama City and Port St. Joe, we provide specialized guidance and personalized coverage built around what matters most to you.

An Insurance Agency That Puts Your Needs First

Founded in 1991 by Michael Nichols, our agency was built on the values of integrity, honesty, and exceptional service. We believe insurance isn’t just about policies—it’s about protecting what matters most and making sure you feel secure in your choices.

What started as a small, dedicated team in our Panama City office has grown to serve even more Floridians across the Panhandle, including our expanded location in Port St. Joe. As a community-focused agency, we work closely with every client to find the best coverage options for their needs. Whether you’re an individual, a family, or a business owner, we’re here to help you navigate your options with clarity and confidence.

Unlike large national firms, we focus on relationships over transactions, ensuring our clients receive the care and attention they deserve.

Insurance Solutions for Individuals, Families & Businesses

We provide a wide range of insurance solutions—including health, Medicare, life, vision, dental, and disability plans—designed to protect your health, income, and loved ones.