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.