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Car Insurance Quotes in Miami, Florida

Car Insurance Quote

We provide liability and physical damage protection for personal vehicles, including cars and motorcycles. Coverage includes protection against financial loss from accidents or theft, third-party liability for bodily injury, and third-party liability for property damage. All policies are customizable based on your personal needs and budget, with quote requests handled for 1 to 10 vehicles.

Getting a quote is straightforward. Simply provide your driver age, vehicle year, make and model, VIN, and current insurance status through our online form. As an independent brokerage representing over 200 carriers, our 8 licensed agents with 43 combined years of experience compare options across the market to find the right fit for you.

Florida law requires every driver to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Our licensed advisors help you meet these Florida auto insurance requirements while also comparing collision, comprehensive, and uninsured motorist options that protect your finances beyond the state minimum. Explore our full range of personal insurance options for coverage that fits your lifestyle.

Car insurance

InsuranceUnderwriters.com provides personal car insurance covering financial loss from accidents or theft, third-party liability for bodily injury, and third-party liability for property damage. Coverage is customizable based on your personal needs and budget, with protection levels ranging from $25,000 to $1,000,000. Sample pricing ranges from $99, with 24-hour hotline assistance and online policy modification included.

Our online quote form accepts requests for 1 to 10 vehicles and collects your driver age, vehicle year, make, model, VIN, current insurance status, and reason for shopping. As an independent brokerage representing over 200 carriers, our licensed advisors compare options across the market to find the coverage that fits you.

In Florida, all drivers must carry Personal Injury Protection (PIP) and Property Damage Liability. Our team helps you understand these Florida auto insurance requirements and choose the right coverage level for your situation.

from $99.00
Level of Protection: from $25.000 to $1.000.000
Grace Period: up to 30 days
Hotline Assistance: 24-Hour
Policy Modification: Online
Car windows insured: Yes

Driver insurance

InsuranceUnderwriters.com offers driver insurance providing liability and physical damage protection for individual drivers of personal vehicles including cars and motorcycles. Policies cover third-party bodily injury liability, property damage liability, and protection against financial loss resulting from accidents. Coverage levels range from $25,000 to $1,000,000 and are tailored to your specific driving profile and budget.

All policies include 24-hour hotline assistance and online policy modification. To receive a quote, drivers provide their age, vehicle details, VIN, current insurance status, and home ownership status through our online form. Our team of 8 licensed agents with 43 combined years of experience guides you through your options across more than 200 carriers.

from $49.00
Level of Protection: from $25.000 to $1.000.000
Grace Period: up to 30 days
Hotline Assistance: 24-Hour
Policy Modification: Online
Car windows insured: Yes

Taxi insurance

InsuranceUnderwriters.com provides taxi insurance for professional drivers requiring commercial-grade vehicle coverage. Sample pricing for taxi insurance starts from $149, reflecting the specialist nature of coverage for vehicles used in commercial passenger transport. Policies are structured to address the distinct liability exposure of taxi operators compared to standard personal auto coverage.

Coverage includes third-party liability for bodily injury and property damage, with policy limits ranging from $25,000 to $1,000,000. All taxi insurance policies include 24-hour hotline assistance and online policy modification. Quotes can be requested directly through our online form, with our licensed advisors available to match your operation to the right carrier across our network of over 200 providers.

from $149.00
Level of Protection: from $25.000 to $1.000.000
Grace Period: up to 30 days
Hotline Assistance: 24-Hour
Policy Modification: Online
Car windows insured: Yes

How to Choose the Right Car Insurance Coverage

Choosing the right car insurance coverage depends on how you use your vehicle and how much financial risk you are willing to take on. The right policy helps protect both your vehicle and your finances in case of unexpected events. Focus on these key factors when comparing options:

1. Liability limits that cover injury and property damage claims
2. Collision coverage for repairs after accidents
3. Comprehensive coverage for theft, weather, and vandalism
4. Personal Injury Protection (PIP), which is required in Florida under the no-fault insurance system
5. Uninsured and underinsured motorist coverage to protect you if another driver lacks adequate insurance
6. Deductibles that balance monthly cost and out-of-pocket expenses
7. Optional add-ons like roadside assistance or rental coverage

Florida is a no-fault state, which means your own PIP coverage pays for medical expenses regardless of who caused the accident. If you drive for a rideshare service, you may also need specialized rideshare insurance for Uber and Lyft drivers. Business vehicle owners should explore our commercial auto insurance guide for fleet and company car protection, and businesses should also review our general liability insurance guide to understand protection beyond vehicle-related claims.

Get a personalized car insurance quote today and review coverage options that match your needs and budget. Schedule an appointment with one of our licensed advisors to discuss your coverage in detail.

Have Peaceful Holidays with a Car Insurance

Travelling for the holidays? Your personal auto coverage from InsuranceUnderwriters.com includes customizable protection designed to fit your needs and budget, with policy limits ranging from $25,000 to $1,000,000. Our 24-hour hotline assistance means help is available wherever your journey takes you.

Whether you are driving locally or across state lines, our licensed advisors compare options across more than 200 carriers to ensure your vehicle is properly covered for the road ahead. Request a quote online before you travel, or browse our complete personal insurance options for home, auto, and umbrella coverage.

Florida Car Insurance Requirements

Florida is a no-fault insurance state, meaning your own policy pays for your medical expenses regardless of who caused the accident.

Minimum Coverage Limits

Florida law mandates at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). If you are found at fault for an accident causing bodily injury, you may also need Bodily Injury Liability coverage. Learn more in our auto insurance in Florida guide.

No-Fault Insurance and PIP

Under Florida's no-fault system, your PIP coverage pays up to 80% of medical expenses and 60% of lost wages after a covered accident, regardless of fault.

Car Insurance Coverage Types We Offer

Insurance Underwriters provides a full range of personal insurance options tailored to Miami drivers.

Liability Insurance

Covers damages and injuries you cause to others in an accident.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault.

Comprehensive Coverage

Protects against non-collision events including theft, vandalism, weather damage, and animal strikes.

Personal Injury Protection (PIP)

Required in Florida. Covers your medical expenses and lost wages after an accident.

Uninsured/Underinsured Motorist Coverage

Protects you if hit by a driver with no insurance. Business owners may also explore commercial auto insurance.

Why Choose Insurance Underwriters for Auto Insurance in Miami

As an independent brokerage, Insurance Underwriters is not tied to a single carrier. Our 8 licensed agents with 43 combined years of experience compare rates from over 200 insurance carriers to find you the best coverage at the most competitive price.

Whether you need basic liability or a comprehensive policy, we tailor every quote to your needs. Rideshare drivers can find protection through our rideshare insurance for Uber and Lyft drivers coverage options.

Ready to compare rates? Schedule an appointment with one of our licensed advisors or request a free quote online today.

Frequently Asked Questions

What is the minimum car insurance required in Florida?

Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). If you cause an accident resulting in bodily injury, you may also need Bodily Injury Liability coverage.

How much does car insurance cost in Miami?

Car insurance rates in Miami vary based on your driving record, vehicle type, coverage level, and other factors. Insurance Underwriters compares rates from over 200 carriers to find you the most competitive quote.

Can I insure multiple vehicles on one policy?

Yes. Our online quote form accepts requests for 1 to 10 vehicles. Bundling multiple vehicles on one policy often qualifies for a multi-car discount.

What Our Clients Say

What our Clients say?

Our clients trust InsuranceUnderwriters.com to protect their vehicles, homes, and families with coverage tailored to their needs. Here is what drivers who have worked with our licensed advisors have to say.

Insurance Underwriters made it easy to compare rates across multiple carriers. Their team walked me through every coverage option and helped me find a policy that saved me over $300 a year on my auto insurance. The whole process took less than 20 minutes.

Anthony S. September 12, 2024

As a first-time car buyer in Miami, I had no idea what coverage I needed. The advisors at Insurance Underwriters explained Florida PIP requirements and helped me choose the right liability limits for my budget. I recommend them to anyone looking for honest, straightforward guidance.

Maria R. March 15, 2025

Company information

InsuranceUnderwriters.com

3050 Biscayne Blvd
Suite 700
Miami, FL 33137

Contact details

E-mail address:
Info@InsuranceUnderwriters.com

Main Phone:
305-900-2823

Hours of operations
8:30 AM - 5:00 PM EST. Monday - Friday