Miami drivers pay a lot for car insurance. In fact according to one study, it may be the 4th most expensive city in the whole United States to purchase a policy. Therefore, you need to make sure you get several free car insurance quotes.
The good news for you is that you can easily get several right from this site. Just enter your zip code information above and select which companies you’d like to get a quote from. For more about other car insurance topics, specifically related to Miami drivers please keep reading.
Miami Auto Insurance Agent Listings
There are likely hundreds of agents who sell insurance policies in Miami. The trick is finding one that will work with you, and help explain what insurance you need. Therefore, we have included listings from some of the bigger car insurance agencies below.
Miami Allstate Insurance Agents
You certainly have your pick of auto insurance agents from Allstate. Miami currently has 40 of their agents available to help you with your car insurance needs.
Miami Farmers Insurance Agents
Farmers currently does not offer insurance to Florida residents.
Miami Geico Insurance Agents
Geico has one car insurance agent for Miami.
Miami Progressive Insurance Agents
Progressive has working relationships with 17 agencies, agents and insurance brokers in Miami.
Miami State Farm Insurance Agents
There are 35 State Farm agents serving Miami car insurance buyers.
Your insurance agency not listed? If you own an insurance agency that operates in Miami and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Miami Auto Insurance Rates – Too High?
Auto insurance rates for Miami drivers are among the highest in the whole of the United States. Our average auto insurance rate tables place Florida as one of the 10 most expensive states to get insured. he bad news is that Miami drivers pay well above the already high state average.
According to Runzheimer International‘s table for most expensive cities for auto insurance, Miami is ranked number 4. Only Detroit, Philadelphia and New Orleans are more expensive. According to their data, drivers pay $3,388 per year for coverage.
On the other hand, CarInsurance.com places average annual premiums at a slightly more modest $2,400. This is still $500 more a year than the state average and $800 more a year than the national average. Given these numbers you can see why Miami car insurance quotes are so important to get.
Important Miami Driving Information
Miami has to be one of the worst cities in America to drive in, or at least among the most dangerous. For example, according to National Highway Traffic Safety Administration Miami-Dade country has far and away the most traffic deaths of any Florida county. In 2010, 246 people were killed on Miami-Dade roads, down from 344 in 2006 but still over 80 more than the next closest county. The one area were the city has done well is to cut the number drinking related accidents.
Nevertheless, even compared to the biggest American cities Miami does not fare well. According to the Allstate America’s Best Drivers Report™, Miami ranks as only the 178 out of 200 for the safest cities in America. On average, you can expect to get in an accident once every 7 years, which is about 43% more often than the average for other cities.
Just about the only piece of good news is that, surprisingly, congestion in Miami is a lower than many other similarly sized big cities. Miami metropolitan area is ranked 7th by the INRIX National Traffic Scorecard, but only 15th in terms of congestion. The Dolphin Expressway (State Road 836), Ronald Reagan Turnpike (State Road 821), and the Palmetto Expressway (State Road 826) are all among the 250 worst highway sections in the country.
Therefore, if you’re driving in Miami it may not be too congested, but it may be dangerous. That’s why you should always check out a traffic report, before you begin your drive. You’ll not only traffic jams, but will also know which area tend to be worse than others.
Florida Car Insurance Laws
Florida has relatively unique auto insurance laws compared to most other states. For example, it is considered a no-fault state, which means that your insurance company will pay for injury and damages to your car no matter who is at fault (up to a limit). It also operates under the pure comparative system of law for more serious cases, whereby your ability to collect damages is proportionate to your degree of fault in an accident.
In terms of minimum insurance coverage, once again Florida is unique. You need to have $10,000 worth of Personal Injury Protection coverage and $10,000 worth of Property Damage Liability (PDL) coverage. Keep in mind that these limits are very low and may not fully protect you. As you read above, driving in Miami is dangerous so make sure you’re fully covered. If you’re unsure about your coverage options then you should speak to a licensed Miami auto insurance agent (see above).
Savings Money By Getting Miami Car Insurance Quotes
Thus, if you want cheap car insurance in Miami, you’ll need to get several free and instant Miami auto insurance quotes. The good news is that there are now many places to get quotes. Just make sure you compare at least 3 and preferably 10 insurance companies before making your decision. Florida is among the 10 most expensive states to get insured and Miami is the 4th most expensive city. So if you don’t want to overpay you really need to get quotes. The good news is that you can simply use the form below to get started instantly.