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Best Car Insurance in Miami, FL

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The state of Florida requires drivers to have car insurance, which protects you financially after an accident or car theft. We assembled our recommendations for the best car insurance companies in Miami to help you find the right coverage at a rate you can afford.

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Top 12 Miami Car Insurance Companies

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Having good car insurance in Miami is essential not only because the state of Florida requires it, but also because Miami leads the state in auto accidents. On average, Miami has around 65,000 accidents a year, and this number continues to rise as the city’s population increases. Several factors contribute to Miami’s high rate of accidents, including poor road conditions, aggressive drivers and some of the worst traffic in the country. Considering the similarly high auto theft rate in certain areas, it’s critical that you protect yourself financially with a good car insurance policy.

Average car insurance quotes in Miami

Car insurance in Florida typically costs anywhere from $100 a month for state-minimum liability insurance to $310 a month for full coverage. The cost of your premiums varies based on the type of coverage you and where you live in the city. Neighborhoods with higher rates of property theft and vandalism tend to have higher auto insurance premiums.

The table below shows estimates for the annual cost of auto insurance for a 30-year-old woman in six different Miami neighborhoods.

Miami neighborhoodComprehensiveLiabilityState minimum
Coral Way - 33145$3,516$2,148$2,604
Hialeah - 33012$3,624$2,268$2,760
Kendall - 33176$2,592$1,392$1,488
Opa-locka - 33054$3,528$2,184$2,700
South Beach - 33139$2,352$1,224$1,284
Wynwood - 33127$3,648$2,280$2,784

Besides the neighborhood you live in, other factors that affect the cost of car insurance include your:

  • Gender
  • Age
  • Driving history
  • Credit score
  • Vehicle make and model

Auto insurance companies also take into account your policy’s deductible amount. Higher-deductible policies typically have lower monthly premiums, but policyholders have to pay more out of pocket if they get in an accident.

If even cheap car insurance in Florida seems out of your price range, check out our tips for saving money on your auto insurance.

Florida auto insurance requirements

Florida law requires drivers to have auto insurance, including liability coverage for bodily injuries and property damage as well as personal injury protection (PIP) coverage.

The minimum car insurance requirements in Florida are 10/20/10, plus PIP coverage, meaning your policy must include:

  • $10,000 for bodily injury per person per accident
  • $20,000 for total bodily injury per accident
  • $10,000 for property damage per accident
  • $10,000 in PIP coverage

Florida is a no-fault state. This means that if you or one of your passengers is injured during an auto accident, your PIP coverage pays for medical expenses up to the policy limit, regardless of who is at fault.

The penalties for not having car insurance in Florida include up to $500 in fines and the suspension of your driver's license, registration and vehicle tags for up to three years. Despite that, more than a quarter of Floridians don’t have adequate car insurance, according to the Insurance Research Council. The high rate of uninsured drivers means people with only liability insurance frequently end up paying out of pocket when they have an accident with an uninsured driver. To protect yourself, make sure your auto insurance policy has uninsured motorist coverage.

Miami car insurance FAQ

What is the penalty for not having car insurance in Florida?
The penalties for not having car insurance in Florida include fines from $150 to $500 and suspension of your driver's license, vehicle tags and registration for up to three years.
Why is car insurance so expensive in Florida?
Car insurance in Florida is so expensive because the Sunshine State has the highest rate of uninsured drivers in the U.S., a large percentage of high-risk drivers, severe weather and mandatory PIP coverage.
How do I find SR-22 insurance in Miami?
A majority of the insurance companies on our list offer SR-22 insurance in Miami. Florida requires drivers to get an SR-22 certification after certain offenses, including excessive traffic violations, DUIs or driving without insurance.

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    Miami auto insurance company information

    Estrella Insurance

    Estrella Insurance partners with more than 30 different car insurance companies to provide a variety of for Florida residents. Its auto insurance policies cover standard cars as well as luxury and specialty vehicles. The company has Spanish-speaking staff and many available discounts, including savings for bundling home and auto insurance, having a good driving record and taking driver education courses.

    • Address: 3000-A NW 36th St., Miami, FL 33142; Multiple locations
    • Phone: (305) 635-6335
    • Hours: M - F: 9am - 7pm; Sat: 9am - 5pm
    • Website: estrellainsurance.com
    Pini Insurance

    Pini Insurance works with multiple national carriers, including Travelers and Progressive, to provide coverage for all types of vehicles. Customers have the option to add towing and rental car reimbursement coverage to their auto insurance policies.

    • Address: 14380 SW 139th Court, Miami, FL 33186; Multiple locations
    • Phone: (786) 422-9776
    • Hours: M - F: 9am - 8pm; Sat - Sun: 9:30am - 8pm
    • Website: piniinsurance.com
    Univista Insurance

    Univista Insurance agency partners with Infinity, Windhaven, Mercury, United Automobile Insurance Company and National General to provide auto insurance for Florida drivers. The company has a variety of coverage options for all vehicle types.

    • Address: 1101 SW 27th Ave., Miami, FL 33135
    • Phone: (305) 501-5017
    • Hours: M - F: 9am - 6pm; Sat: 10am - 2pm
    • Website: univistalittlehavana.com
    Direct Auto Insurance Miami

    Direct Auto Insurance has policies that cover standard cars, SUVs, vans, trucks, specialty cars and motorcycles. Customers can also add roadside assistance, towing and rental reimbursement to their policies.

    • Address: 14800 NW Seventh Ave., North Miami, FL 33168
    • Phone: (305) 769-2110
    • Hours: M - F: 9am - 5:30pm; Sat: 10am - 2pm
    • Website: directauto.com
    Discount Insurance Network

    Discount Insurance Network partners with Progressive, Infinity and Windhaven. Customers can get real-time quotes online and compare coverage options using the rating system on the company’s website.

    • Address: 801 NE 125th St., North Miami, FL 33161
    • Phone: (305) 899-8755
    • Hours: M - F: 9am - 5:30pm; Sat: 9am - 2pm
    • Website: dinmiami.com
    Florida Premier Insurance

    Florida Premier Insurance works with eight insurance carriers, including Windhaven, United and Progressive. Customers can compare and buy auto insurance policies on Florida Premier’s website or at its office in Miami. Spanish-speaking agents are available.

    • Address: 310 NW 27th Ave., Miami, FL 33125
    • Phone: (305) 735-8629
    • Hours: M - F: 9am - 6pm; Sat: 10am - 2pm
    • Website: flapremier.com
    Insurance Corner

    Insurance Corner works with several national insurance carriers. Customers can compare and purchase auto insurance policies on its website, and local agents can assist with picking out a policy over the phone or in person. Discounts are available if you bundle your insurance policies or have a good driving record.

    • Address: 3680 NW 11th St., Miami, FL 33125
    • Phone: (305) 642-1885
    • Hours: M - F: 9am - 5pm; Sat: 9:30am - 2:30pm
    • Website: icginsurancecornergroup.com
    SOL Insurance Agency

    SOL Insurance Agency works with insurance carriers such as United Auto, Gainsco, Travelers, Mercury, Imperial, Infinity and Progressive. Customers file claims through the SOL website, which is available in English and Spanish, no matter which insurance carrier they have. SOL customers can pay their bills online, and the company offers discounts when you bundle car and home insurance.

    • Address: 1370 W. Flagler St., Miami, FL 33135; Multiple locations
    • Phone: (305) 643-2333
    • Hours: M - F: 9am - 6pm; Sat: 10am - 2pm
    • Website: solinsurance.com
    E & L Insurance Services

    E & L Insurance Services works with a dozen insurance carriers, including Travelers, Progressive, Infinity, Safeco and Bristol West. Customers can request an auto insurance quote online and receive a number of discounts for safe driving and bundling insurance policies.

    • Address: 1241 SW 27th Ave., Miami, FL 33135
    • Phone: (305) 541-1002
    • Hours: M - F: 9am - 5pm
    • Website: eandlinsurance.com

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