Located in the busy city of Miami, Coral Gables is a one-of-a-kind place to live and work in. With tree-lined streets and towering historic mansions, this quaint city is a destination of choice for tourists from around the country. Those who live in Coral Gables enjoy an easy commute to all the amenities of Miami but not without a serious amount of traffic. That’s why all drivers in this gorgeous Florida city need the protection of Coral Gables car insurance.
Choosing the right Coral Gables, FL auto insurance starts with a call to our experienced Independent Insurance Agents. Our friendly agents can provide you with a comprehensive look at all of your car insurance options, even quoting from multiple policies so you are sure to find the most affordable premiums that will work for your budget and lifestyle.
- National average cost per year: $1,311
- Florida average cost per year: $1,742
- 5th most expensive auto premium in the U.S.
Florida drivers have to deal with some of the highest auto insurance premiums in the United States, but finding affordable coverage is still possible with the help of an independent insurance agent. While the average annual premium in Florida is $1,741, it’s possible to find cheaper coverage by capitalizing on safe driver discounts, and other incentive programs that reward drivers for security systems and even driving a hybrid car. Our agents can provide information on all of your policy options so you can find an affordable Coral Gables car insurance plan.
Florida Car Insurance Requirements
- Body injury liability: required
- Property damage reliability: required
- Personal injury protection (PIP): required
- Uninsured motorist coverage: not required
- Minimum liability limits: 10/20/10
If you want to drive in Florida, the law requires that you purchase minimum liability coverage of $10,000 for individual bodily injury, $20,000 for all injuries in an accident and $10,000 for property damage per accident. Remember that you always have the option to purchase additional coverage, and these minimums are just a starting point. Our experienced independent insurance agents can help you determine how much coverage you really need to protect against potentially devastating financial consequences after an accident.
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Number of Uninsured Motorists in Florida
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Florida drivers: 23.80%
Even if you have the best Coral Gables car insurance, you are still facing financial risk every time you get behind the wheel. With nearly a fourth of Florida drivers currently uninsured, you could easily get involved in a collision with an uninsured motorist. If this happens to you, how will you pay for repairs to your car? What about medical expenses if you are injured? Uninsured motorist coverage can protect you in this situation and give you peace of mind that you are always covered even if you get into an accident with an uninsured motorist.
Number of Auto Thefts in Florida
- National number of thefts for 1,000 vehicles: 2.28
- Number of thefts for 1,000 vehicles in Florida: 1.93
Car theft is a serious concern for residents of Florida, especially those who frequently travel through Miami. Make sure you have protection against auto theft as part of your Coral Gables car insurance policy.
Find a Great Coral Gables Car Insurance Policy
Before you venture out on the busy highways of Coral Gables and the nearby Miami freeways, make sure you have the best auto insurance coverage. Accidents can happen in the blink of an eye, but when you have a reliable Coral Gables auto insurance policy, you will have peace of mind that you can recover your losses if an accident happens to you. Our friendly independent insurance agents can help you find a policy that meets your unique needs. Our agents can offer quotes from multiple policies, giving you a wide scope of options to choose from so that you can find a plan that is both affordable and reliable.
Contact an agent today to learn more about Coral Gables car insurance.