About Us
Specialists in Long Haul, Intrastate & Personal Auto Insurance
Founded in Miami in 2004, Habana First Rate Ins has spent over two decades helping Florida drivers and commercial trucking operations — long haul and intrastate — get the right coverage at the right price.
20+
Years in Business
1,000+
Clients Insured
Same Day
Quote Turnaround
5★
Average Client Rating
Our Story
Our Story
Habana First Rate Ins was founded in 2004 with a clear focus: provide insurance that actually works for the people who depend on it most — from the individual driver to the owner-operator running long haul routes across the country.
We built our reputation in Florida's trucking community by learning the industry from the ground up — the FMCSA rules for interstate operators, the state requirements for intrastate runs, the cargo types, the routes, and the risks that come with every mile.
Today we insure personal vehicles, commercial trucking operations, and commercial property owners across Florida and beyond. Our clients stay with us because we pick up the phone, know their policy, and fight for them when it matters most.
Our Values
What We Stand For
Long Haul & Intrastate Expertise
We know the difference between interstate FMCSA requirements and Florida intrastate rules — and we build policies that are compliant and complete for both.
Speed & Efficiency
Downtime costs money. We work fast to get you quoted and covered — often same day — so you can focus on the road, not the paperwork.
Honest Advice
We'll tell you exactly what coverage you need for your specific operation. No upselling, no fluff — just the right policy for your routes and your risk.
Claims Support
When you have a claim, we're in your corner. We advocate for you with the carrier and help move the process along so you're back hauling as fast as possible.
Let's Get You Covered
Long haul, intrastate, or personal auto — we have the expertise and the carriers to find you the right policy.