car insurance, close to home
Car insurance in Hudson, from someone who works here
Renewal coming up or wondering whether your current policy still fits? I’m Chris, an independent insurance broker based in Hudson. I’ll compare the options available to me and explain differences in coverage, deductibles and price. New to Florida or buying your first policy? I can help with that too.
Start with your contact details. Have your current policy and renewal date handy for our follow-up. No current policy? You can still request a quote.
FL License #G193830
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What clients say on Google
Rating checked October 11, 2026. Selected reviews shown below.
Request a quoteAwesome coverage! This young man able to assist my family with health and auto insurance and we are -WELL PLEASED! Thanks Chris
Chris helped us find the perfect coverage for our social club
Reviewing an auto renewal in Hudson?
Start with your current declarations page and renewal offer. I can compare the available options and explain differences in coverage limits, deductibles and policy details. A lower price can come with different coverage, so we will look beyond the premium.
You can start the website request with your contact details and coverage choice. I will follow up for the driver and vehicle information needed to prepare quotes. A comparison does not guarantee a lower premium or an offer from every company.
Thinking about changing companies before your policy expires? Read how to switch car insurance before renewal for the order of steps and questions to ask before cancelling.
The basics
Know the minimums
To register a car in Florida, you need $10,000 of PIP and $10,000 of property damage liability. That’s the floor, not a full plan.
US-19 is busy
It’s the main road through Hudson, so many of us spend real time on it. Think about what you’d want your policy to do after a bad day there.
Your car isn’t covered by default
The state minimums don’t fix your own car. Comprehensive and collision do that, and they’re optional for most drivers.
Prices differ by company
Two companies can rate the same driver very differently. That’s the whole reason to compare.
What Florida requires, and what it leaves out
Here’s the short version. Florida wants $10,000 of personal injury protection (PIP) and $10,000 of property damage liability before you can register a car.
PIP covers 80% of your medical bills and 60% of lost wages, up to $10,000, no matter who caused the crash. That helps you and your passengers. It doesn’t help the other driver.
The minimums also don’t pay for injuries you cause to other people, and they don’t fix your own car. That surprises folks.
Bodily injury liability, uninsured motorist, comprehensive and collision are optional add-ons for most drivers. If you finance your car, the lender usually requires comprehensive and collision.
What auto insurance has been running around Hudson
For one vehicle on a six-month policy, liability only has averaged about $1,420 in the area, with most between $700 and $1,680. Full coverage has averaged about $2,380, with most between $1,370 and $2,680. Those are averages from quotes in the area over the past 36 months, not a quote for you.
Your own number depends on your driving record, your car, your coverage and the company. It varies by company, and sometimes by a lot.
Situations I help with
- Your rate went up and you want to know why
- You’re new to Florida and need a policy here
- You just bought a new car
- You’ve got a teen driver in the house
- You need an SR-22 or FR-44 filing
- You haven’t had insurance recently
How to request a Hudson auto insurance quote
Start the online request with your contact details. For our follow-up, have these ready so we can compare your current policy with the available options:
- Your declarations page showing current coverage limits and deductibles
- Your renewal date and renewal premium, if available
- The year, make and model of each vehicle, plus any loan or lease
- Who drives each vehicle and how it is used
Keep driver’s license numbers and other sensitive details out of the website form. I’ll explain how to provide anything else needed when we speak. A comparison does not guarantee savings or bind coverage.
Worth a read
Want more before we talk? Start with Florida car insurance requirements. If your bill jumped, read why did my car insurance go up. For ideas on cost, try how to lower car insurance costs. Or see the full auto insurance page.
Questions I get
Do I only need the Florida minimums?
They’re what the state requires to register a car. They don’t cover injuries you cause or damage to your own car, so many drivers add more. I can walk you through the options.
What does PIP actually pay?
It pays 80% of your medical bills and 60% of lost wages, up to $10,000, regardless of fault.
Will my lender want more than the minimums?
Usually, yes. A lender typically requires comprehensive and collision on a financed car.
Can you help with an SR-22 or FR-44?
Yes, I help with those filings. Which companies offer them, and at what price, varies.
Do you work outside Florida?
No. I’m licensed only in Florida.
Official sources
Price figures are averages from area quotes over the past 36 months. They are not a quote, and your price will vary by company and by you. Chris Chase Insurance is licensed in Florida only.
Work directly with Chris Chase
Chris is an independent insurance broker based in Hudson, Florida. He compares the insurance companies available to him, explains the options and stays available for policy questions and renewals.
Florida License #G193830 · NPN 21407586. Meet Chris and learn how he works.
Page updated October 29, 2026.
Have a question? Just ask.
Call me or send a quote request. You’ll hear back from a real person.