Auto Insurance Coverage in Miami, FL
Every coverage type we compare across multiple carriers. Pick the one that fits, and get a free quote by text.
$145/moFull Coverage Auto Insurance
Rates from $145/mo
Liability, collision, and comprehensive together — the protection most Miami drivers want and most lenders require. We compare carriers to find the lowest full-coverage rate for your car and driving record.
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$68/moFlorida Minimum (PIP + PDL)
Rates from $68/mo
The most affordable way to meet Florida's required $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). Ideal for older or paid-off vehicles. We shop multiple carriers so you get legal Florida coverage at the lowest monthly cost.
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$95/moSR-22 & FR-44 Filing
Rates from $95/mo
Need an SR-22 for a license reinstatement — or an FR-44 after a Florida DUI? We file it fast with the carrier and the Florida DHSMV so you get back on the road legally. FR-44 requires higher liability limits; we find the carrier that files it for the least.
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$18/moUninsured / Underinsured Motorist
Add-on from $18/mo
Roughly 1 in 5 Florida drivers is uninsured — one of the highest rates in the country. UM/UIM coverage protects you when the at-fault driver can't pay. It's an inexpensive add-on we strongly recommend for every Miami driver.
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$110/moComprehensive & Collision
Rates from $110/mo
Miami hurricanes, flooding, theft, and parking-lot dings add up. Comprehensive covers non-crash damage — including storm and flood damage to your car; collision covers your vehicle in an accident. We tune your deductible to balance monthly cost and out-of-pocket risk.
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$180/moNew-Driver & Teen Insurance
Rates from $180/mo
Adding a teen or new driver in Miami? We find carriers with good-student and driver-training discounts to keep premiums down, and show you exactly how adding them to your policy compares to a standalone plan.
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up to 20% offBundle Auto + Home
Save up to 20%
Combining your auto and home, condo, or renters policy with the same carrier can save up to 20%. We compare bundled vs. separate quotes side by side so you keep the savings without losing coverage.
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