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Independent Insurance Agency Serving 9 Licensed States (786) 288-6167 info@hiainsure.com

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Florida Auto Insurance Quotes

Compare available Auto Insurance options with Hancy’s Insurance Agency and explore local resources for Florida cities.

Licensed agent guidanceMultiple carrier optionsService after the sale

Hancy’s Insurance Agency

Get Your Insurance Quote

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

  • Personal and business coverage
  • Licensed agent guidance
  • No obligation to buy
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A quote request does not bind coverage.

Coverage where you live and work

Florida Insurance Requirements and Coverage Guidance

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

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

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

Insurance Resources for Florida Cities

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.

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.

GEICO

Review available coverage, limits, deductibles, and eligibility with HIA.

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National General

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GAINSCO

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Clearcover

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AssuranceAmerica

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Novo Insurance

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Bristol West

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Root

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Foremost

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Customer experiences

What HIA Customers Say

Find HIA on Trustpilot

Read or share feedback about your experience with Hancy’s Insurance Agency on our Trustpilot profile.

Customer reviews from Google

The testimonials below were shared on Google. Visit Trustpilot above to view or add feedback on that platform.

“Fast and easy”

Ty BAKER

Google review

“The agent was very courteous and helpful. He made sure I was a satisfied customer.”

sherry Morris

Google review

“Hancy’s Insurance is one of the best insurance agents I’ve ever worked with.”

Donell Barkes

Google review excerpt