Just moved to Florida? Let's get you insured.
Florida law gives you only 10 days to register your vehicle and get a Florida-issued auto policy. We're licensed in 10+ states, so we time the switch perfectly — zero gap, zero stress.
- 10-day deadline handled with zero coverage gap
- Florida-compliant PIP + PDL on every policy
- Avoid sticker shock — we explain every line
- Free quote in under 60 seconds
Licensed in 10+ states · Zero-gap switch · Bilingual agents.
Free quote in under 60 seconds
No spam, no pressure — just real help from a Naples-based independent agency.
Message us on WhatsAppOr request a quote online10-day rule, handled
Once you become a Florida resident, you have 10 days to get a Florida-issued policy. We bind your new policy with a future effective date matching your move so you're never uninsured.
Out-of-state license welcome
You don't need a Florida license to get quoted. We start the policy now and update it once you're at the DHSMV.
Continuous coverage protection
Don't cancel your old policy until your Florida policy is bound. We coordinate the dates so carriers see continuous coverage — which keeps your rate lower.
Florida-smart coverage design
Florida only requires $10k PIP + $10k PDL — dangerously low. We add Bodily Injury Liability and Uninsured Motorist so you're actually protected.
Why your premium changed
Coming from a rural state? Florida is usually higher. Coming from NYC or LA? It may actually drop. We'll explain every dollar so there are no surprises.
Bundle with home or condo
Most new residents need homeowners or condo insurance too. We quote both at once and stack the bundling discount (15–25% off).
— FAQs
Common questions, real answers
How long do I have to switch insurance after moving to Florida?+
Once you establish residency (registering to vote, getting a job, enrolling kids in school, or being here 6+ months), you have 10 days to register your vehicle and get a Florida policy. Out-of-state policies don't satisfy Florida's PIP requirement.
Do I need a Florida driver's license to get quoted?+
No. We can quote and bind your policy with your out-of-state license. You then have 30 days to update your license at the DHSMV.
Will my rate go up?+
It depends on where you came from. Coming from a rural state, you'll likely see an increase. Coming from a major metro, you may actually see a decrease. We'll show you the exact number before you commit.
What about my homeowners policy?+
Florida homeowners insurance is a different market — and harder than most states. We're licensed for it and can quote home + auto together for the bundling discount.
How fast can I get a Florida policy?+
Same day. Message us on WhatsApp or call (239) 422-9601 — most new-resident quotes take under 10 minutes.
— Get started
Make the Florida switch painless.
Free Florida quote in seconds — bilingual support, zero gap.