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miami car insurance

Whether you love feasting on top-notch Cuban cuisine in Little Havana, soaking up the sun and sights at South Beach, or exploring the high-end showrooms in the Design District, Miami has enough magic for everyone.

And Esurance wants to help make classic coastal living even better by offering dependable coverage for what matters most to you. Get a personalized Miami auto insurance quote in mere minutes to see how much time, money, and hassle you could start saving today when you join the Esurance family.

miami car insurance discounts

We want driving in The Magic City to feel like, well, magic. That's why we offer a bunch of discounts on car insurance so you can get the most out of your maritime metropolis.

Multi-Policy discount

Already have motorcycle insurance with Esurance? Maintain more than one policy with us and you can score some savings!

Defensive Driver discount

If you're 55 or older and have completed a driver safety course approved by the Florida Department of Motor Vehicles, you can qualify for this discount.

Good Student discount

You can qualify for this savings if you (or someone on your policy) are under age 25; attend a high school, college, or university full-time; and maintain at least a 3.0 (or "B") average.

Fast 5® discount

This one couldn't be easier to nab — just start your quote online and you'll automatically save 5 percent.

If you already have an Esurance policy and have questions about your discounts, always feel free to give us a ring at 1-800-ESURANCE (1-800-378-7262), or check out our official Florida car insurance page. Some exclusions may apply.

auto insurance coverages

Required coverages

All Miami motorists are required to carry basic liability insurance and personal injury protection (PIP) at the following minimum limits:

  • $10,000 of bodily injury liability per person
  • $20,000 of bodily injury liability per incident
  • $10,000 of property damage liability per incident
  • $10,000 of PIP per person, per incident

Liability coverage can help protect you financially if you're found at fault in an accident that results in injuries or property damage to another driver. Though it's not necessarily recommended, Florida allows its residents to reject bodily injury liability coverage in writing to their insurer — but remember that you'd still be financially responsible for any accident-related medical expenses should you ever be found at fault in an incident.

PIP coverage, on the other hand, can help pay for your medical bills and certain other accident-related expenses — regardless of fault.

Optional coverages

If you want property damage protection for your car in an at-fault accident, though, you'll want to purchase comprehensive and collision coverages. These and many more optional add-ons — including rental reimbursement, uninsured/underinsured motorist, and towing and labor — can offer additional monetary protection and peace of mind than a basic liability policy.

At the same time, we know that narrowing down your coverages can be difficult. Cue our super-smart CoverageMyWay®, which uses complex algorithms and cutting-edge technology to prioritize coverage options, empowering you to make smart choices when it comes to your protection.

e-star® repair shops

If you're an Esurance policyholder, you can take advantage of our extensive E-Star network of trustworthy repair shops in your city. Enjoy repairs guaranteed the entire time you own your vehicle, plus our innovative RepairView® tool that helps you monitor your ride's progress in the shop.

A few E-Star garages in Miami include:

Diamancar Inc.
3655 NW 48th St.
Phone: 305-633-3304

Charlie's Paint & Body Shop
7006 SW 13th St.
Phone: 305-266-7880

Collision Zone Inc.
12972 SW 87th Ave.
Phone: 305-253-2353

Buckeye Auto Body
18790 SW. 105th Pl.
Phone: 305-238-9373

Briceno Auto Body
1394 NW. 65th Ave.
Phone: 954-894-7776

Lee's Car Care
714 NW 8th Ave.
Phone: 954-463-4835

Looking for another location? There's a lot more where these came from. Just enter your ZIP Code to find an E-Star repair shop in your 'hood.

miami driving facts and stats

Miami's cost of congestion

The average Miami commuter spent an extra 47 hours sitting in traffic in 2011, according to the Texas Transportation Institute's 2012 Urban Mobility Report. That adds up to about 25 extra gallons of gas, $993 per commuter in congestion costs, and (we're guessing) a whole lot of road rage.

To help you save money at the pump, take advantage of our innovative online gas price predictor. Esurance's Fuelcaster™ lets you enter your ZIP Code to see if gas prices at nearby stations are likely to rise or fall tomorrow compared to today's prices. It's the little things that could add up to big savings!

Car insurance fraud in Miami

According to a 2014 report from the National Insurance Crime Bureau, Miami led Florida (and Florida led the country) in the amount of questionable claims (QCs) reported to it.

These claims often revolved around suspicious vehicle collisions that resulted in pricy medical treatment, which may or may not have actually been necessary. In fact, the amount of PIP QCs in Miami increased nearly 57 percent over the course of the 4-year study alone.

Related links

Orlando auto insurance
We aim to offer all Floridians — including Orlando residents — reliable, affordable car insurance.

Personal injury protection coverage
Learn more about PIP coverage in Florida — from all the things it can help pay for, to how it varies from basic bodily injury liability coverage.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.