Miami Beach Car Insurance

Find the right car insurance policy for you.


Travel Channel recognized Miami Beach, FL as the “Sexiest Beach in the World.” This area boasts miles and miles of sandy beaches, unforgettable nightlife and a vast array of oceanfront hotels, shops, and restaurants. Tourists flock to Miami Beach year-round, and traffic can get intense. There were 16 people involved in fatal accidents here in previous years, a timely reminder that you can’t afford to cut corners on Miami Beach car insurance.

Our Independent Insurance Agents offer Miami Beach drivers a personalized approach to auto insurance. Our friendly agents understand that there is no one-size-fits-all policy, and they will work with you to create a budget-friendly auto insurance plan that protects against Miami Beach’s most concerning threats.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • #5 most expensive auto premium in the U.S.

Miami Beach drivers can expect to pay well above the national average for car insurance, but there are a few tricks that can help you save. First, take time to compare quotes. Our independent insurance agents offer quotes on multiple policies so you can choose a low-cost car insurance policy that works within your budget. Our agents can also help you find discounts for safe driving and bundled coverages, savings that can add up in big ways over the long term.

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

Florida requires all drivers to purchase car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. These minimums help you know how much insurance you need, but remember they are only a starting point. It’s always wise to invest in as much liability insurance as you can reasonably afford because if an accident’s cost exceeds your coverage limit, you are stuck paying the rest out of pocket.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

Accidents are always scary, but if the driver at fault doesn’t have insurance, the situation can quickly dissolve into a financial nightmare. Uninsured motorist coverage protects you in this situation by paying for damage even if the other driver didn't have adequate insurance before the wreck.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

Miami Beach has a constant flow of tourists throughout the year, and this has sometimes led to spikes in crime. Auto theft is a concern for drivers all over Florida, and even the best security systems aren’t foolproof. The best way to protect your car is to choose a car insurance policy that includes coverage for auto theft.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Find a Great Miami Beach Car Insurance Policy

Shopping for car insurance doesn’t have to be a major headache. In fact, our friendly independent insurance agents make it simple. With years of experience navigating coverages and premiums, our agents can help you save time and money during your search for comprehensive auto insurance. 

If you’re ready to find the most affordable rates on Miami Beach auto insurance, contact an agent now for a free quote.

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