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Best Local Car Insurance Agencies in Miami

2024

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Providers

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Website
7900 Northwest 155th Street Unit 102, Miami Lakes, FL 33016
  • Multiple Carriers

Why choose this provider?

World serves individuals, non-profit organizations, and startup enterprises in and around Miami. The agency provides insurance policies for rental cars, automobiles, sport utility vehicles, and trucks. Its team of insurance agents collaborates with clients to personalize these plans to cover accidents, theft, vandalism, medical payments, and property damage like cracked windshields. They have accommodated more than 300,000 customers across multiple industries, like healthcare, construction, and transportation. World also handles financial planning and human capital management services.

License Verified:

License: L086887

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Yelp
4.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.3
Responsiveness
Friendliness
Helpfulness
Detail

Website
18851 NE 29th Ave Ste 500, Aventura, FL 33180

Why choose this provider?

Miami Insurance Brokers located is an independent insurance agency located in the Miami, Florida, metro area with over 30 years of experience helping drivers get the right amount of auto protection at a competitive rate. The company works with several top insurance carriers to provide bodily injury, property damage, and personal injury protection, and optional coverage for collision and comprehensive damages. Other insurance choices include boat, motorcycle, specialty auto, home, condominium, flood, life, and travel.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (307)
Facebook
5.0 / 5 (83)
Yelp
3.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
801 NE 125th St, North Miami, FL 33161

Why choose this provider?

The Discount Insurance Network is an independent provider of auto insurance and other forms of personal and commercial insurance from North Miami, Florida. Serving the Miami metro area from its offices and the nation online, it includes Progressive and Windhaven in its list of insurance providers. The agency's typical policy includes collision, comprehensive, and liability insurance, but can be adapted to include other forms of appropriate protection, The Discount Insurance Network also provides homeowners and commercial insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (93)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13860 SW 56 St, Miami, FL 33175
  • Multiple Carriers

Why choose this provider?

Oscariz Insurance Group, Corp., offers automobile policies for motorists in Miami and the surrounding areas. These plans address personal injury liabilities arising from accidents caused by the policyholder and pay for the property damage to the victim. The team also delivers plans that cover residential properties and commercial assets. Oscariz Insurance Group is an independent agency that is free to select from varied providers without undue influence from any dominant player. Its partners include Progressive, UPC Insurance, and Scottsdale.

License Verified:

License: L073584

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.8 / 5 (12)
Google
4.6 / 5 (11)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
710 W 51st St., Miami Beach, FL, FL 33140
  • Multiple Carriers

Why choose this provider?

For more than 25 years, South Beach Insurance has been serving clients in Miami and the surrounding areas. It helps individuals and families avoid financial losses in the event of a car accident by providing them with auto insurance. The policy includes coverages such as property, medical, and liability. Programs for classic and high-end cars are also available. Additionally, South Beach Insurance works with multiple carriers to obtain the right windstorm, boat, flood, or homeowners' coverage that fits its customers' needs.

License Verified:

License: R004787

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.0 / 5 (7)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5788 SW 40 Street, Miami, FL 33155
  • Bundling Option

Why choose this provider?

Just Insurance Brokers South Miami is a family-owned and family-operated independent agency that serves clients in Miami and nearby areas. It offers auto insurance policies for personal and commercial vehicles. It also has plans for trucks, motorcycles, boats, and recreational vehicles. It assists with risk management solutions for long-term care, life, travel, property, and general business liability. The agency represents multiple insurance companies and is composed of multi-lingual agents. It has been in the industry for over 25 years.

License Verified:

License: L101393

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (14)
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7990 SW 117 Ave., Suite 209, Miami, FL 33183
  • Multiple Carriers

Why choose this provider?

International Insurance Center, Inc., is a non-affiliated agency located in Miami. It offers a wide range of insurance products to clients in the metro, from car and home policies, to business, cargo shipment, and warehouse plans. Its auto insurance policies can cover the policyholders' and their passengers' injuries, as well as their cars, property damage, and damage to other vehicles. International Insurance Center was founded in 1979. Principal Ed Cabassa has more than three decades of insurance experience and is an Accredited Adviser in Insurance.

License Verified:

License: R008850

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (56)
Facebook
5.0 / 5 (26)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3650 NW 82nd Avenue PH504 & SUITE 403, Miami, FL 33166

Why choose this provider?

American Insurance Brokers offers car insurance policies to drivers and vehicle owners across Miami. It sources auto packages that cover personal injury protection, medical payments, and other liabilities. It has comprehensive policies that cover collisions and underinsured or uninsured motorists. The brokerage works with top carriers to give its clients an extensive selection of options, to better determine the most applicable coverage. AIB, which has been in business for over 20 years, also offers commercial truck insurance for tractor-trailers, delivery vans, and straight, pickup, and semi-trucks.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12505 NW 7th Ave., Miami, FL 33168
  • Multiple Carriers

Why choose this provider?

Popular Insurance has been helping the Miami community acquire insurance coverage plans for over 40 years. The independent agency offers personal and commercial automobile insurance to protect clients from unnecessary repairs resulting from unforeseen accidents, including theft, fire, collision, and wreckage. Its insurance advisors also offer homeowners', flood, and health insurance to individual clients. Bonds, commercial property, and builders' risk insurance are offered to commercial clients. Popular Insurance provides insurance plans tailored based on the clients' options and needs.

License Verified:

License: R006217

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7274 SW 48th Street, Miami, FL 33155
  • Bundling Option

Why choose this provider?

JM Private Insurance is an agency that offers personal line coverages to Miami individuals, families, and corporations. Its team provides automobile coverages to protect its clients from the risks and expenses resulting from unforeseen accidents, such as collisions, wreckage, fire damage, and theft. Other lines of coverage include flood, fine arts, condominium, and business insurance. Its founders, Bill Beckham and Otto Foerster founded the agency in 2014. Bill has been in the industry since 1977, while Otto started in 2006.

License Verified:

License: W177131

Florida Division of Insurance Agent and Agency Services

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5600 SW 135 Ave, Suite 100, Miami, FL 33183
  • Multiple Carriers

Why choose this provider?

B&G Insurance serves individuals, families, and businesses in Miami and the neighboring communities. It aims to protect clients from unwanted financial losses and potential risks on the road with auto insurance policies with coverages that include collision, comprehensive, and bodily injury. It also offers personal injury protection that extends to various expenses, such as rehabilitation, funeral, replacement, and work loss. The insurance professionals at this family-owned and family-operated have over 40 years of combined experience in the industry.

License Verified:

License: R002690

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (45)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
365 Palermo Ave, Coral Gables, FL 33134
  • Multiple Carriers

Why choose this provider?

Established in 1977, Fortun Insurance is an independent agency that offers a full line of coverage products for businesses and individuals in Miami and the surrounding areas. Its agents help clients find the right coverage for their personal insurance needs, including properties like cars, private homes, watercraft, jewelry, and fine arts. They also provide insurance plans for commercial auto, business liability, and workers' compensation. Fortun Insurance partners with some top-rated carriers, such as Liberty Mutual, National General, AmTrust, Progressive, and CNA.

License Verified:

License: L034229

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
142 Beacom Blvd. Suite B, Miami, FL 33135
  • Multiple Carriers

Why choose this provider?

LRB Insurance & Finance Solutions is an independent agency that serves the financial protection needs of vehicle owners in the Miami area. It provides auto insurance for different kinds of vehicles, including limousines, boats, motorcycles, and recreational vehicles. Its insurance agents assist clients in updating existing policies, filing auto accident claims, and processing declaration documents to lien holders. The company also offers commercial insurance plans for fleet vehicles, company cars, and trucks. The business provides 24/7 customer support.

License Verified:

License: L057125

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9485 SW 72nd Street, Suite A120, Miami, FL 33173
  • Motorcyle & ATV
  • RV & Motorhome

Why choose this provider?

Gil & Associates Insurance Consultants is a family-owned agency with over 30 years of experience providing Miami residents and businesses with custom insurance products. These products range from personal automobile insurance personalized with additional underinsured and uninsured motorist coverage to farm and agriculture insurance covering damage to the farmstead and its attached structures. Its agents hold consultations with clients to determine their coverage needs and develop their insurance profiles before choosing and shopping from carriers that fit their specifications.

License Verified:

License: L014278

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (12)
Google
4.3 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
124 Madeira Ave, Coral Gables, FL 33134
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Gables Elite Insurance offers automobile assurance products to consumers living in Miami. Its plans insure against total loss or partial damage due to fires, vandalism, or weather disturbances. These contracts protect from liability arising from personal injuries caused by the client during an accident. The team also delivers motorcycle, homeowners', and renters' policies. Gables Elite Insurance has been serving the community for around 20 years and has worked with over 4,800 customers across more than 7,500 cases.

License Verified:

License: R006516

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (43)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10755 SW 104th St, Miami, FL 33176

Why choose this provider?

JV Insurance Agency is an insurance broker in Miami, Florida, that sells auto insurance and other insurance products. Founded in 1973, the company provides both personal and commercial automobile insurance that includes coverage for liability involving personal injury or damage, collision coverage, and comprehensive coverage. Additionally, it provides insurance coverage for yachts, motorcycles, and recreational vehicles. JV Insurance Agency offers a variety of other insurance products for individuals, families, and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11601 Northwest 7th Ave., Miami, FL 33168
  • Multiple Carriers

Why choose this provider?

Eckert Insurance Group, Inc., is an independent agency that serves individuals and businesses in the Miami area. It offers auto insurance policies that include personal injury protection, bodily injury liability, and property damage coverage. It also provides coverage for motorcycles and leased vehicles. The agency also offers financial protection solutions for homeowners and businesses. Eckert Insurance Group was established in 2001 following the purchase of King Carmel Insurance, a family-owned and family-operated agency that has been in the industry since 1959.

License Verified:

License: R000211

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (69)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10368 W Flagler St., Miami, FL 33174
  • Multiple Carriers

Why choose this provider?

Imax Insurance Group is a local agency that serves individuals and businesses in the Miami area. It offers auto insurance plans for personal and commercial cars that cover liability, medical payments, collision, comprehensive, and uninsured and underinsured motorists. Clients can choose to add roadside assistance, rental car reimbursement, and vanishing deductibles. The agency also provides risk management options for homes, renters, boats, motorcycles, recreational vehicles, and businesses. Imax Insurance Group has been in the industry for over 20 years.

License Verified:

License: L084152

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (489)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What are the common mistakes Miami drivers must avoid when buying car insurance?

    Miami drivers should refrain from hastily purchasing the initial car insurance policy they encounter and instead take the time to gather quotes from multiple insurance companies. Another error to avoid is selecting the cheapest insurance premium available, as this might lead to inadequate coverage. Not submitting important information, such as driving history, previous accidents or claims, and modifications made to vehicles, must also be avoided.

  • How much do minimum-coverage and full-coverage car insurance policies cost in Miami?

    The typical monthly expense for minimum-coverage car insurance in Miami stands at approximately $186, totaling $2,226 annually. This figure represents a 256% increase compared to the national average, which is $52 monthly or $625 yearly. On the other hand, the average cost of full-coverage car insurance in Miami is $386 per month or $4,636 annually. This makes it 131% pricier than the national average of $167 monthly or $2,008 yearly for full coverage.

  • Why is car insurance more expensive in Miami than other cities in Florida?

    This higher average rate is likely because Miami reported a higher number of reckless driving incidents than other Florida cities, such as Winter Haven. Factors such as fraud schemes, severe weather conditions, and numerous accident-related court cases further contribute to the increased rates in the city. Other factors driving up premiums include the significant presence of uninsured drivers and higher medical treatment and vehicle repair costs.

  • How do gender and marital status impact Miami car insurance premiums?

    In Miami, the average yearly car insurance expense for female drivers stands at $3,174, while male drivers pay an average of $3,075 per year. When considering marital status, both single and married drivers have comparable yearly averages, which amount to $2,964. In contrast, divorced drivers face an average annual cost of $3,075, while widowed drivers bear a slightly lower average expense of $3,029 per year.

  • What criteria must teenage drivers in Miami satisfy to be eligible for discounts on their car insurance?

    To qualify for car insurance discounts in Miami, teenage drivers must be single, full-time students under the age of 25, and maintain good grades in school. Maintaining satisfactory academic performance is another requirement. Additionally, their school must be at a distance of at least 100 miles from the vehicle's garage location. Successfully completing the TeenSMART driver education program also makes them eligible for car insurance discounts.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

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