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Morning Star Insurance Agency, is an independent insurance agency, established on December of 2009, by CEO & Founder Fred Costa. After many years servicing his clients in banking, Mr. Costa has decided to finally start his own business and still been able to offer something beneficial to his clients. When the agency was finally established, Mr. Costa counted with the support of all his Banking clients and local business owners to promote a revolutionary vision and highest quality of customer service offered on the industry. With his vast experience working with sales, finances and customer service, Mr. Costa used his knowledge and his influence to the local community and establish Morning Star Insurance Agency. Applying important fundamentals basing the company's philosophy on a trademark: “Where clients become friends”. Morning Star Insurance was born to be the agency that recognizes that relationship with customers is the most valuable asset in a business!

Affordable, Reliable Insurance Choices.

Today, Morning Star Insurance Agency is considered by many Insurance Carriers as one of the most prestigious and recommended Local agencies in Central Florida. Their integrity has been recognized by thousands of clients and has helped Morning Star Insurance Agency become one of the fastest growing local independent agency in Central Florida.


Our ultimate commitment is to continue to assist our clients with the most competitive rates and the best service available and to represent our carriers with honesty and integrity. Morning Star Insurance Agency hopes to serve the local community in Central Florida with their expertise and quality service for many years to come.

Insurance Policies.

• Commercial Insurance

• Business Insurance

• Health Insurance

• Life Insurance

• Liability Insurance

• Home Insurance

• Auto Insurance

• Workers Insurance


Meet Our CEO.

Fred Costa - CEO & Founder


Fred Costa is the CEO and Founder of Morning Star Insurance Agency. Mostly known as Fred became a 2-20 (General Lines) and 2-15 (Life & Health) agent in December 2009, where he established the agency. Still remembering his humble beginnings, he always dreamed to introduce a different philosophy as an Insurance agent, he wanted to deal with customers as personal and trusting advisor, always looking for solutions and building a relationship with every customer.


Just before establishing his own business, Fred has worked in banking for almost 4 years where he acquired a vast experience with finances and wealth management. Well known on the community for his outstanding quality in service and the knowledge in the industry, he has established a solid and loyal book of business that has been growing ever since.


Fred is the Principal Agent and the Main Producer in the office and is the acting General lines and Life & Health as a 2-20 and 2-15 licensed agent. He's however known for his expertize on the commercial lines underwriting and has assisted many small business owners to achieve their goals by protecting their investments and lowering their costs. He speaks: English, Portuguese and Spanish fluently.



Morning Star Insurance Agency.


Morning Star Insurance Agency, is an independent insurance agency, established on December of 2009, by CEO & Founder Fred Costa. Learn More

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