Coverage designed with Miami in mind

One of the world's most iconic travel destinations, Miami is known for its tourism, culture, professional sports teams and diverse population. Located in southeastern Florida, alongside the Biscayne Bay and the Atlantic Ocean, it's the only United States city that's bordered by two national parks. It's the cultural, financial and economic center of South Florida and the 12th largest metropolitan area in the United States. Travel is made a bit easier thanks to Interstates 95, 195 and 75.

When it comes to auto insurance, every state has different requirements. For drivers in Miami, you can see what coverage and coverage limits Florida requires in the list below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

Allstate offers auto insurance across all Miami zip codes from 90001 to 93599. A Miami Allstate agent can help you understand the different insurance types available to you.

get a quick personalized car insurance quote.

When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected, wherever the road takes you.

Miami car insurance requirements

Auto liability insurance and Personal Injury Protection are types of car insurance coverage required by law in Florida, so Miami drivers must have them.

More specifically, these are the minimum required in Miami:

  • $10,000 property damage liability
  • $10,000 personal injury protection

Bodily injury liability¹, uninsured/underinsured motorist coverage, collision¹ and comprehensive¹ coverage are not required for Miami drivers.

All coverages are subject to the coverage limits stated in your policy.

¹Although Florida law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

Miami auto insurance discounts

It's possible to get quality coverage in Miami at a lower rate than you might think. Whether you decide to drive down your insurance costs with Drivewise®, invest in an anti-theft device and more, Miami drivers can find many ways to save with Allstate

New car discount

You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.

Teen driver discounts

Teens deserve car insurance that's both great on the road and easy on your budget. Just because they may be new drivers, doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your Miami teen driver meets these requirements:

  • Is a single, full-time student under the age of 25 and getting good grades
  • Attends school at least 100 miles away from where the car is garaged
  • Successfully completes the teenSMART driver education program

Learn more about these discounts and other car insurance discounts that may be available by contacting your local Miami agent today.

Proof of insurance in Miami

If you are stopped by the police and asked to show your auto insurance card, drivers in Miami can show an a electronic insurance card. Most states, including Florida, permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop.