Miami - Dade

Insurance Agencies in Miami Florida

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  • FAQs About Car Insurance in Miami

    • What are the benefits of working with a Spanish-speaking agent?

      When it comes to buying insurance or filing a claim, an agent that speaks Spanish can explain in terms that are easier to understand. This can be incredibly helpful for clients with a limited understanding of English.

    • What is the minimum car insurance requirement in Florida?

      It is mandatory to have personal injury protection (PIP) and property damage liability (PDL) in Miami and the rest of Florida, with a minimum coverage of $10,000 for each.

    • Can I get insurance if I am a high-risk driver?

      While high-risk drivers do face higher premiums, there are still options available to them. Progressive and GEICO, for example, provide coverage specifically tailored for those deemed high risk.

    • How can I reduce the cost of my car insurance in Miami?

      Make it a habit to regularly review your policy, consider combining different insurance products, and always ask about and take advantage of any applicable discounts.

    Compare Car Insurance Prices in Miami

    Miami Car Insurance Cost

    The minimum amount of “basic” car insurance a driver must have to legally operate a vehicle is called “liability only” coverage. It is the cheapest form of car insurance available.

    Top 20 Cheapest Car Insurance Companies in Miami, FL

    Here's a list of the top 20 cheapest car insurance companies in Miami, Florida, based on rates:


    How much does car insurance cost in Miami per month?

    Minimum coverage
    $186.
    Full coverage
    $386.

    How much does minimum car insurance cost in Miami?

    Company ** Cost Terms
    GEICO $1505 annual
    State Farm $3110 annual
    Direct General $3335 annual
    MetLife $3520 annual
    Progressive $3895 annual
    Allstate $4165 annual

    While liability coverage is an affordable way to have car insurance, if you get into an accident or your vehicle is damaged due to a storm, hurricane, or theft, you will have to pay for all the repairs yourself. Full coverage auto insurance may cost a little more, but it is recommended as it offers much more financial protection.

    How much does full coverage car insurance cost in Miami?

    Company ** Cost Term
    GEICO $2165 annual
    Progressive $3385 annual
    Travelers $3995 annual
    State Farm $4165 annual
    Direct General $4505 annual
    Mercury $4525 annual
    Safeco $4585 annual
    MetLife $5415 annual
    Allstate $5845 annual

    Insurance rates are high in Miami due to the large concentration of people and the risk of vehicle damage from tropical storms that occur every year. Add in risky driving violations and drivers can expect to see their insurance rates rise even further.

    How much does car insurance cost in Miami after getting a speeding ticket?

    Company ** Cost Term
    GEICO $2530 annual
    State Farm $2435 annual
    Allstate $2505 annual
    MetLife $2435 annual
    Allied $3725 annual
    Progressive $4265 annual
    Travelers $4425 annual
    Mercury $4905 annual

    While many major insurance companies will offer “accident forgiveness” as an option, for drivers new to Miami-Dade County or who need to purchase new insurance, you may notice an increase in the cost of coverage.

    Which company offers the cheapest insurance after a car accident in Miami?

    Company ** Cost Term
    Progressive $2595 annual
    State Farm $2635 annual
    MetLife $2805 annual
    Allstate $3320 annual
    Allied $3970 annual
    National General $4235 annual
    Travelers $4510 annual
    Safeco $4785 annual
    Liberty Mutual $5905 annual
    Mercury $6285 annual

    Have you been charged/convicted of a DUI in Miami-Dade? If so, your car insurance rates may increase by 50% or more.

    How much does car insurance cost after a DUI in Miami?

    Company ** Cost Term
    State Farm $2435 annual
    Allstate $3180 annual
    GEICO $3195 annual
    Progressive $3820 annual
    MetLife $4795 annual
    Allied $5855 annual
    Mercury $5915 annual
    Travelers $6105 annual

    ** Note: Rates are approximate and can vary based on individual factors like driving history, vehicle type, and coverage levels. Actual quotes may differ.

    Call or email a licensed insurance agent to discuss your insurance needs and find out what discounts are available to help you save money.

    Bilingual Spanish speaking staff

    Finding a Hispanic insurance agent or one who speaks Spanish can make your experience when requesting quotes more pleasant. South Florida has a large Latino community that makes it easy to find bilingual agencies. Click here to view more Spanish-speaking agents

    Miami, FL Traffic Conditions

    In Miami, heavy traffic can often be found on its busy roads, resulting in increased accident occurrences on specific routes. According to the data at hand, here are five of the most hazardous roads in the city.


    Motorists should exercise caution, stay alert, and abide by traffic regulations while using these roads to maximize safety.


    Local Spanish-speaking insurers near you:

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