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Hancy’s Insurance Agency helps Texas drivers compare available auto insurance options based on their vehicles, household drivers, driving history, and coverage needs. Review limits, deductibles, payment terms, and available discounts with a licensed agent before choosing a policy.

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Hancy’s Insurance Agency

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Tell us what you want to protect. Complete your quote request with HIA.

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What to prepare for your auto insurance quote

Have your vehicle VINs, garaging address, household driver information, current policy, and recent driving and claims history ready. Explain commuting, annual mileage, delivery, rideshare, or other business use so the request reflects how your vehicles are actually used.

Compare coverage as well as price

Request matching limits and deductibles when comparing proposals. Ask which liability, comprehensive, collision, uninsured or underinsured motorist, and other options are included. Review exclusions, fees, the full policy-term premium, and payment schedules. Final pricing and eligibility depend on verified information and insurer underwriting.

Coverage where you live and work

Coverage Guidance Across Our Nine Service States

Reviewed October 11, 2026. Select coverage for your product and location; state rules and individual requirements are different.

Texas coverage guidance

Texas Coverage Requirements and Choices

Texas Minimum Auto Coverage: 30/60/25

Bodily injury per person: $30,000
Bodily injury per accident: $60,000
Property damage per accident: $25,000

Personal injury protection and uninsured/underinsured motorist coverage must be offered; written rejection is required to decline them. Compare these with liability and physical damage coverage.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Texas auto insurance requirements

Florida coverage guidance

Florida Coverage Requirements and Choices

Florida Minimum Auto Coverage: $10,000 PIP + $10,000 PDL

For most registered private passenger vehicles: $10,000 PIP and $10,000 property damage liability. This is not a universal bodily injury minimum for every Florida driver or vehicle.

The usual registration baseline includes $10,000 personal injury protection. Bodily injury liability has separate financial-responsibility requirements in some cases. Review bodily injury, UM/UIM and damage to your own vehicle instead of treating PIP/PDL as complete protection.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Florida auto insurance requirements

Georgia coverage guidance

Georgia Coverage Requirements and Choices

Georgia Minimum Auto Coverage: 25/50/25

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Property damage per accident: $25,000

Review UM/UIM, higher liability limits, comprehensive and collision separately. Report delivery, rideshare and business driving accurately; a personal policy may not cover every work use.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Georgia auto insurance requirements

New Mexico coverage guidance

New Mexico Coverage Requirements and Choices

New Mexico Minimum Auto Coverage: 25/50/10

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Property damage per accident: $10,000

The $10,000 property damage minimum can be exceeded by one vehicle loss. Review higher limits and UM/UIM alongside collision and comprehensive; confirm continuous insurance reporting for registration.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official New Mexico auto insurance requirements

Kansas coverage guidance

Kansas Coverage Requirements and Choices

Kansas Minimum Auto Coverage: 25/50/25

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Property damage per accident: $25,000

Kansas also requires UM/UIM of at least $25,000/$50,000 and PIP benefits: $4,500 medical, $900 monthly disability for up to one year, $25 daily substitution, $2,000 funeral and $4,500 rehabilitation, plus survivor benefits.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Kansas auto insurance requirements

Ohio coverage guidance

Ohio Coverage Requirements and Choices

Ohio Minimum Auto Coverage: 25/50/25

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Property damage per accident: $25,000

Minimum liability pays covered losses to others; it does not repair your own vehicle after an at-fault crash. Compare optional UM/UIM and physical damage, and keep proof of financial responsibility available.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Ohio auto insurance requirements

South Dakota coverage guidance

South Dakota Coverage Requirements and Choices

South Dakota Minimum Auto Coverage: 25/50/25

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Property damage per accident: $25,000

South Dakota also requires uninsured and underinsured motorist protection. Discuss bodily injury limits, hit-and-run protection and comprehensive/collision deductibles with the agent.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official South Dakota auto insurance requirements

Arizona coverage guidance

Arizona Coverage Requirements and Choices

Arizona Minimum Auto Coverage: 25/50/15

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Property damage per accident: $15,000

The $15,000 property damage baseline is separate from protection for your own car. Review UM/UIM selections, physical damage deductibles and any business or for-hire use that needs different coverage.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Arizona auto insurance requirements

Virginia coverage guidance

Virginia Coverage Requirements and Choices

Virginia Minimum Auto Coverage: 50/100/25

Bodily injury per person: $50,000
Bodily injury per accident: $100,000
Property damage per accident: $25,000

These higher minimums apply to policies effective on or after January 1, 2025. Review UM/UIM terms and any DMV certification requirement separately; old uninsured-motor-vehicle-fee advice is no longer a substitute for coverage.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Virginia auto insurance requirements

Requirements can change. A licensed agent reviews the applicable policy, vehicle or business classification, contracts and official requirements before binding.

Affordable Auto Insurance Coverage Built Around You

Finding the right auto insurance starts with understanding how you drive, what you drive, and the protection you need. At Hancy's Insurance Agency (HIA), we compare affordable auto insurance quotes from trusted carriers to help you find the right balance of coverage, price, and value. Whether you need cheap liability insurance, full coverage, SR-22 insurance, non-owner insurance, rideshare coverage, or protection for multiple family vehicles, our licensed agents help you compare options before you buy.

Compare affordable liability-only and full coverage auto insurance
Review Uninsured/Underinsured Motorist (UM/UIM), comprehensive, and collision coverage options
Explore SR-22, non-owner, rideshare, and multi-vehicle family insurance solutions
Compare coverage based on your driving record, vehicle, garaging ZIP code, annual mileage, and budget
Review deductibles, policy limits, available discounts, and payment options to maximize value

Auto insurance premiums are calculated using factors such as your vehicle's VIN, driving history, claims history, household drivers, insurance history, location, credit eligibility where permitted by law, and each carrier's underwriting guidelines. Final premiums, discounts, and eligibility are determined after all application information has been verified by the insurance company.

Why Choose Hancy's Insurance Agency?

Hancy's Insurance Agency (HIA) is an independent insurance agency that helps individuals, families, and businesses compare insurance options from multiple trusted insurance carriers. Instead of being limited to a single company, we work to match your coverage needs, budget, and eligibility with the carrier that best fits your situation.

Our licensed insurance agents take the time to explain your coverage options, policy limits, deductibles, exclusions, discounts, and available endorsements so you can make an informed decision with confidence. Whether you're shopping for personal or business insurance, HIA provides professional guidance before, during, and after your policy is purchased.

Compare insurance quotes from multiple trusted carriers
Access additional insurance solutions through approved partner market relationships
Licensed agents providing personalized insurance guidance
Clear explanations of coverages, exclusions, deductibles, and policy options
Support with policy changes, renewals, claims assistance, and ongoing customer service

Our mission is simple: help you protect what matters most by providing competitive insurance options, honest guidance, and responsive service every step of the way.

Compare Auto Insurance by State

Explore insurance resources across HIA’s nine licensed states. Availability varies by product, location, and eligibility.

Why Clients Trust HIA

Independent guidance

Review coverage through available carriers and partner markets with one agency.

Coverage explained

Understand limits, deductibles, exclusions, and underwriting before making a decision.

Service after the sale

Request policy changes, renewal reviews, documents, and claims guidance.

Possible Market Options

Carrier availability depends on your state, coverage needs, underwriting, and HIA’s active market access. Ask your agent which options are available for your request.