North Miami Car Insurance

Everything You Need to Know About Car Insurance in North Miami, FL

Find the right car insurance policy for you.


Nestled beside the Biscayne Bay, North Miami, FL is a beautiful city with a diverse culture and endless opportunities for fun and entertainment. Whether you’re headed out to Oleta River State Park or going downtown to enjoy dinner with friends, make sure you’re covered with comprehensive North Miami car insurance. Our Independent Insurance Agents specialize in connecting North Miami drivers with the best auto insurance options. Our friendly agents will answer your questions, point you toward the most affordable policies and help you find a car insurance plan that is right for you.

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

There’s no denying that auto insurance can get expensive in North Miami. Florida’s high rates can be frustrating, but our independent insurance agents can help you save. Our friendly agents provide multiple rate quotes, giving you a chance to compare the cost and benefits of each plan and select the option that is best suited for your unique lifestyle and budget. Keep in mind that your rates are largely determined by your age, your driving record, and the type of car you drive.

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. Many drivers opt to purchase additional coverage, a wise decision when you consider the financial toll a major accident can take. Talk to an independent insurance agent to determine how much coverage you need to protect your vehicle from common North Miami roadway threats.


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Number of Uninsured Motorists in Florida

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

Almost one-fourth of Florida drivers don’t have insurance, a disastrous problem that can lead to financial hardship after car accidents. If you get hit by a driver who does not have adequate insurance, you have to cover the costs to repair your car, even though the accident wasn’t your fault. Uninsured motorist coverage gives you an extra buffer of protection, stepping in to pay for repairs if an uninsured driver hits you.

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

Crime is a serious concern across most of Florida, but North Miami residents, in particular, have to think about the dangers of auto theft. Always take precautions by parking in well-lit areas and keeping your doors locked and windows closed. Make sure you choose a car insurance plan that offers total coverage for auto theft. Then, if your car gets stolen, you can file a claim and be reimbursed for your vehicle and any valuables you had stowed inside.

Find a Great North Miami Car Insurance Policy

If you’re searching for a reliable North Miami auto insurance plan, our independent insurance agents can help. Our experienced agents understand the complicated maze of car insurance, and they can guide you toward to most comprehensive coverage options at affordable prices. 

If you’re ready to start saving money on your auto insurance, contact an agent for a free quote today.

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