Car Insurance in Miami, FL

Florida requires every registered vehicle to carry insurance, but the state minimum leaves most drivers badly exposed. We help you build a policy that meets the law and protects what you own, then shop it across carriers for the best price.

What car insurance covers

• Personal Injury Protection (PIP): required in Florida
• Property Damage Liability: required in Florida
• Bodily Injury Liability: strongly recommended and required in some situations
• Collision and comprehensive for your own vehicle
• Uninsured and underinsured motorist coverage
• Rental reimbursement, roadside assistance, gap coverage

What Florida owners should know

Florida is a no fault state. The minimum required coverage is $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability. Bodily injury liability is not required for most drivers, which is why roughly one in five Florida drivers carries no bodily injury coverage at all. That is the reason uninsured motorist coverage matters here more than almost anywhere.

Miami-Dade has some of the highest auto premiums in the country. Your ZIP code, driving record, vehicle, credit history, and coverage choices all move the number. Comparing carriers is the single most effective way to lower it.

Common questions

What does PIP cover?

PIP pays 80% of your medical bills and 60% of lost wages up to $10,000 after a car accident, regardless of who was at fault. You must seek treatment within 14 days of the accident.

Do I need bodily injury liability if Florida doesn't require it?

Yes, if you own anything. If you injure someone and have no bodily injury coverage, you are personally liable for their medical bills and can lose your license until you pay.

Does my policy cover rideshare driving?

Not by default. Most personal auto policies exclude driving for Uber or Lyft. A rideshare endorsement fills the gap between your personal policy and the rideshare company's coverage.