Car Insurance in Miami

Auto Insurance in Miami

Find the right car insurance in Miami, FL with GEICO. The benefits of switching to GEICO include:

  • Competitive auto insurance rates for Miami drivers
  • Getting a fast and free car insurance quote online
  • Great customer service with 97% customer satisfaction rating
  • Here for you 24/7 through the award-winning GEICO Mobile app
  • Local insurance agents available to answer your insurance questions

Miami is Florida's second largest city and the sixth most densely populated city in the United States. This means there is a lot of traffic in the 56 square miles between Biscayne Boulevard and the Everglades. Add in all the visitors to this popular tourist destination and you get very unpredictable traffic. This makes having the right car insurance very important. GEICO makes it easy to get great car insurance coverage at a low rate. Get an auto insurance quote today.

Miami Car Insurance Requirements

Miami drivers are required to have the following minimum car insurance coverage for the state of Florida:

  • Bodily injury liability coverage: $10,000 per person and $20,000 per accident*
  • Property damage liability coverage: $10,000
  • Uninsured motorist coverage: $10,000 per person and $20,000 per accident*
  • Personal injury protection: $10,000

These minimum requirements provide a basic level of protection, but keep in mind that they may not fully cover the costs in a serious accident. Consider additional coverage options to better protect yourself and others on the road. Visit our Coverage Calculator to get a personalized recommendation to fit your insurance needs.

Save with Miami Car Insurance Discounts

Drivers in Miami should have car insurance that delivers exceptional service along with great value. GEICO has you covered with a variety of Florida car insurance discounts. Discounts on auto insurance available in the state of Florida include:

  • New Vehicle Discount: New vehicles 3 model years old or newer could earn a discount on certain car insurance coverages.
  • Defensive Driver Discount: If you've completed a defensive driving course, you may be able to save more.  
  • Good Student Discount: Full-time students with a good academic record who maintain a minimum grade average of B+ may qualify for certain discounts.
  • Military Discount: If you are in active duty, retired from the military, or members of the National Guard or Reserves, you may be eligible for a discount.
  • Multi-Policy Discount: bundle your auto coverage with other GEICO insurance policies like home or renters and start saving
  • Pay in Full Discount: Pay your term premium in full and enjoy a discount.
  • DriveEasy Discount: Download GEICO’s DriveEasy app to showcase your safe driving habits and start saving on car insurance.

Learn more about all of the car insurance discounts that are available to help eligible GEICO policyholders save money in Florida.

Optional Car Insurance Coverage in Miami, FL

Beyond the mandatory coverage, GEICO offers several optional coverages to provide additional protection:

  • Collision Coverage: Covers damages to your car from collisions with other vehicles or objects, regardless of fault
  • Comprehensive Coverage: Protects against non-collision damages such as theft, vandalism, fire, and natural disasters.
  • Rental Reimbursement: Helps cover the cost of a rental car while your vehicle is being repaired after a covered claim.
  • Emergency Roadside Service: Provides services like towing, flat tire changes, jump-starts, and lockout assistance.
  • Mechanical Breakdown Insurance: Covers repairs to most mechanical parts of your car, excluding wear and tear.

Insurance Agents in Miami

We have dedicated insurance agents across Miami, ready to answer any questions you have about a GEICO Car Insurance policy. You can also reach us 24/7 through our award winning app. Check out how we're making insurance easier in the app with 1-click bill pay, digital ID cards, on-demand emergency roadside service, and more.

More Information on Car Insurance in Florida

Learn more about car insurance in Florida, find valuable information about required insurance coverage and Florida insurance laws.

FAQs on Car Insurance in Miami

  • Why is car insurance mandatory in Miami and Florida?
    Florida, like most states, requires car insurance, which, covers damages or injuries resulting from accidents and helps to protect all parties involved from significant out-of-pocket expenses. This requirement helps maintain public safety and accountability on the roads.
  • How does Florida's 'no-fault' insurance system affect my car insurance in Miami?
    Florida's 'no-fault' insurance system requires drivers in Miami to carry Personal Injury Protection (PIP) coverage, which covers their medical expenses and lost wages regardless of who caused the accident. This system limits the ability to sue other drivers for damages, ensuring that minor accident claims are settled quickly. However, it can lead to higher insurance premiums because insurers must cover these costs regardless of fault.
  • What car insurance options are available for hurricanes and natural disaster risks in Miami?
    In Miami, comprehensive car insurance covers damages from hurricanes and natural disasters, including flooding, wind, and falling debris. This optional coverage protects your vehicle beyond the standard liability and collision insurance.
  • How much does car insurance cost in Miami?
    The cost of car insurance in Miami varies widely based on several factors, including the insured driver's age, driving record, location, and vehicle type. Additionally, factors such as high traffic density and vulnerability to natural disasters increase risk, which can lead to higher premiums.
  • How can I get a Miami car insurance quote from GEICO?
    To get a Miami car insurance quote from GEICO, visit our website and get a quote online, or call (866) 509-9444 to speak with an insurance specialist.

*Please note bodily injury liability and uninsured motorist coverage can be waived.