On-the-Road Protection for Florida Drivers
Florida sets a minimum for auto insurance that most drivers outgrow the day they buy their first house. The state's no-fault system also works differently than drivers moving here from the north expect, and the gap between a legal policy and an adequate one is where families get hurt. HBK Insurance Group compares carriers across the Treasure Coast and builds the policy around what you actually own.
What Auto Insurance Covers
- ✓ Bodily injury and property damage liability
- ✓ Comprehensive and collision
- ✓ Uninsured and underinsured motorist
- ✓ Personal injury protection (PIP)
- ✓ Roadside assistance and rental reimbursement
- ✓ Multi-vehicle, multi-policy and safe driver discounts
Why Minimum Coverage Rarely Fits
Florida requires PIP and property damage liability, but it does not require bodily injury liability at all. If you own a home, that gap sits directly between an at-fault accident and your equity. We look at what you have to protect first, then set limits to match — and we tell you plainly when the cheapest policy on the screen is the wrong answer.
Uninsured Motorist Coverage on the Treasure Coast
A meaningful share of Florida drivers carry no bodily injury coverage, which means the driver who hits you may have nothing behind them. Uninsured motorist coverage is the piece that protects your family from someone else's decision, and it is usually far less expensive than clients expect.
Common Questions
Does my auto policy cover my motorcycle?
No. Motorcycles need their own policy, and the medical coverage works differently. We write both and coordinate the limits so there is no gap between them.
Will my rate change if I move to the Treasure Coast from out of state?
Usually yes. Rates are territory-based, and Martin, St. Lucie and Palm Beach counties each rate differently. Bring us your current declarations page and we will show you the comparison side by side.
Do I need rental car coverage?
If you only own one vehicle and rely on it daily, it is worth the small premium. If you have a second vehicle in the driveway, it often is not.
Get Your Auto Insurance Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.
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