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When you’re navigating Miami’s busy streets, unpredictable weather, and heavy traffic, having the right car insurance is key. Mercury Insurance understands what Miami drivers face every day, and we’re here to make sure you’re covered at an affordable price. Mercury offers customizable policies, competitive rates, and access to exclusive discounts, including savings for paying in full, staying accident-free, and insuring more than one vehicle.
Contact us today for a fast, free quote!
Why Choose Mercury?
- Affordable rates and discounts: We offer cheap car insurance in Florida with multiple discount opportunities, so you get great coverage without breaking the bank.
- Exceptional customer service: Our local agents know Miami inside and out. Whether you’re dealing with traffic-heavy commutes or hurricane season, we’ll help you build a policy that fits your lifestyle.
- 24/7 claims support: File a claim online or by phone, and we’ll help you get back on the road as soon as possible.
Is Auto Insurance Mandatory in Miami?
In Florida, auto insurance is mandatory for all drivers. The state has specific insurance requirements that all drivers must comply with to legally drive on its roads.
Legal Requirements to Drive in Miami
According to the Florida Highway Safety and Motor Vehicles, state law requires that every motor vehicle registered in Florida must carry two specific types of coverage:
- Personal injury protection (PIP): You must have a minimum of $10,000 in PIP coverage, which helps cover medical expenses for your injuries, regardless of who’s at fault in the accident.
- Property damage liability (PDL): You must also have at least $10,000 in PDL coverage, which pays for damage you caused to another person’s property.
Florida operates under a “no-fault” insurance system. This means that after an accident, each driver’s own insurance coverage is used to pay for medical expenses and certain other costs, regardless of who caused the accident. This system aims to reduce the number of lawsuits filed over accidents.
Contact us today for a fast, free quote!Optional Auto Insurance in Miami
While PIP and PDL are mandatory, there are several optional coverages available that can provide additional financial protection and peace of mind:
- Bodily injury liability: This coverage helps pay for serious or permanent injuries or death to others when you’re responsible for a crash. It also includes legal defense coverage if you’re sued.
- Collision protection: This covers damage to your vehicle from a collision with another vehicle or object, regardless of who’s at fault.
- Comprehensive coverage: This covers damage to your vehicle caused by various non-collision events, such as theft, fire, or natural disasters.
- Uninsured/underinsured motorist coverage: This coverage offers protection if you’re involved in an accident with a driver who either isn’t insured or doesn’t have adequate insurance.
What Does Miami Auto Insurance Not Cover?
While auto insurance policies can offer broad protection, it’s important to understand that they don’t cover everything. Here are some typical exclusions:
- Mechanical breakdowns: Standard auto insurance doesn’t cover mechanical breakdowns due to wear and tear or lack of maintenance.
- Personal belongings: Items stolen from a vehicle or damaged during an accident typically aren’t covered under standard auto insurance policies. This coverage requires homeowners or renters insurance.
- Intentional damage: Any damage you deliberately cause to your vehicle is not covered.
- Commercial use: Using a personal vehicle for commercial purposes, such as ridesharing or delivering goods, usually requires business auto insurance.
- Racing and speed testing: Damages incurred while racing, speed testing, or participating in any competitive driving events aren’t covered under standard auto insurance policies.
How to Get Car Insurance in Miami
Getting car insurance in Miami is simple and stress-free with Mercury. Whether you’re looking for minimum coverage or want full protection that includes collision, comprehensive, and more, our local agents are ready to help you find the right fit at the right price.
Get started today by connecting with a Miami insurance agent or calling us at (888) 802-4662.
Get Car Insurance Savings & Discounts in Miami from Mercury
Finding affordable auto insurance in Miami is easier with Mercury. Our competitive rates and wide range of discounts help you get reliable coverage without overspending. Some of the available discounts for Miami drivers include:
- Multi-car discount: Insure more than one vehicle on the same policy and save up to 16%.
- Accident-free discount: If you’ve been accident-free and violation-free for 3 years, you can save up to 8%.
- Paid-in-full discount: Pay your premium in full and enjoy savings of up to 18%.
- Automatic payment discount: Set up automatic payments directly from your bank account and save 18%.
- E-signature discount: Sign all policy documents electronically and get an additional 3% off.
- New business 5-year accident-free discount: New to Mercury? If you’ve maintained a clean driving record for the past five years, you may qualify for up to 14% off.
Contact your local Miami agent today to find out which discounts you qualify for and get started with a fast, free quote.
Top-Rated Auto Insurance in Miami
Mercury Insurance is proud to offer coverage to Miami drivers that’s reliable, affordable, and backed by a team that truly cares. That’s why thousands of drivers in Florida and across the country trust us to keep them covered.
Read reviews of what our customers have to say and see for yourself what makes Mercury different.
Great Company with great rates
First time using mercury for my car insurance. Very pleased with the company customer service, and the rates are incredible.
I am very Happy, so far with Mercury, have already referred
Great rates!! Strong and Sustainability Involved!! New to Mercury no claims. So far very Happy!!
Excellent service
Every representative I interacted with was exceptional. Very professional, knowledgeable, and helpful.
Learn More About Car Insurance
Is Florida a No-Fault State?
Life Events that Require a Car Insurance Update
How Do I Know If I Have Comprehensive Coverage?Miami Car Insurance FAQs
How much is car insurance in Miami?
According to Bankrate, the average cost of car insurance is $4,746 per year for full coverage.
How to find the cheapest car insurance in Miami?
Mercury offers the perfect blend of affordability, comprehensive coverage, and exceptional customer service tailored to Miami drivers. Plus, you can take advantage of the many discounts available to help you save even more on your auto insurance. Contact your local agent today for a fast, free quote.
Why is auto insurance so expensive in Miami?
Miami’s auto insurance rates are higher due to heavy traffic, frequent storms, a high number of uninsured drivers, and elevated rates of insurance fraud. These factors increase risk for insurers, which drives up premiums.
What is a good monthly payment for car insurance? How can I lower my insurance rates?
According to Bankrate, the average monthly cost for full coverage auto insurance is $322, while minimum coverage is $87 per month. If your rate falls near or below these benchmarks, especially with strong coverage, you’re likely getting a good deal.
To help lower your insurance, consider taking advantage of Mercury’s discounts, like our multi-car, accident-free, and paid-in-full discounts. Your driving habits and coverage choices can also make a difference, so contact a local Mercury agent today to see how much you could save.
How do I find a Mercury Agent in Miami?
Visit the Florida Insurance Agents page to find an agent in your area.
What products does Mercury offer in Miami?
These products are available to Miami residents, including: