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Best Local Car Insurance Agencies in Miami, FL

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Miami Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

249Reviewed

155Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Expertise.com Rating

Review Sources

Google
4.9 (307)
Facebook
5.0 (83)
Yelp
3.0 (4)

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.

5600 SW 135 Ave, Suite 100, Miami, FL 33183
WebsiteLicense: R002690

Expertise.com Rating

Review Sources

Google
4.9 (45)

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.

  • Multiple Carriers

12505 NW 7th Ave., Miami, FL 33168
WebsiteLicense: R006217

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

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.

  • Multiple Carriers

801 NE 125th St, North Miami, FL 33161

Expertise.com Rating

Review Sources

Google
4.9 (93)

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.

7990 SW 117 Ave., Suite 209, Miami, FL 33183
WebsiteLicense: R008850

Expertise.com Rating

Review Sources

Google
4.9 (56)
Facebook
5.0 (26)
Yelp
5.0 (1)

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.

  • Multiple Carriers

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

Expertise.com Rating

Review Sources

Google
4.0 (1)

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.

365 Palermo Ave, Coral Gables, FL 33134
WebsiteLicense: L034229

Expertise.com Rating

Review Sources

Google
3.9 (7)

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.

  • Multiple Carriers

13860 SW 56 St, Miami, FL 33175
WebsiteLicense: L073584

Expertise.com Rating

Review Sources

Facebook
4.8 (12)
Google
4.6 (11)
Yelp
5.0 (3)

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.

  • Multiple Carriers

7274 SW 48th Street, Miami, FL 33155
WebsiteLicense: W177131

Expertise.com Rating

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.

  • Bundling Option

142 Beacom Blvd. Suite B, Miami, FL 33135
WebsiteLicense: L057125

Expertise.com Rating

Review Sources

Google
5.0 (10)

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.

  • Multiple Carriers

710 W 51st St., Miami Beach, FL, FL 33140
WebsiteLicense: R004787

Expertise.com Rating

Review Sources

Google
4.0 (7)
Facebook
5.0 (6)

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.

  • Multiple Carriers

124 Madeira Ave, Coral Gables, FL 33134
WebsiteLicense: R006516

Expertise.com Rating

Review Sources

Google
5.0 (43)

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.

  • Multiple Carriers
  • Bundling Option

10368 W Flagler St., Miami, FL 33174
WebsiteLicense: L084152

Expertise.com Rating

Review Sources

Google
5.0 (489)
Facebook
5.0 (17)

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.

  • Multiple Carriers

10755 SW 104th St, Miami, FL 33176

Expertise.com Rating

Review Sources

Google
5.0 (29)

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.

11601 Northwest 7th Ave., Miami, FL 33168
WebsiteLicense: R000211

Expertise.com Rating

Review Sources

Google
4.9 (69)
Yelp
1.0 (1)

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.

  • Multiple Carriers

9485 SW 72nd Street, Suite A120, Miami, FL 33173
WebsiteLicense: L014278

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
4.3 (6)
Yelp
5.0 (1)

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.

  • Motorcyle & ATV
  • RV & Motorhome

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Miami Insurance Brokers
18851 NE 29th Ave Ste 500, Aventura, FL 33180
B&G Insurance
5600 SW 135 Ave, Suite 100, Miami, FL 33183
Popular Insurance
12505 NW 7th Ave., Miami, FL 33168
Discount Insurance Network
801 NE 125th St, North Miami, FL 33161
International Insurance Center, Inc.
7990 SW 117 Ave., Suite 209, Miami, FL 33183
AMERICAN INSURANCE BROKERS
3650 NW 82nd Avenue PH504 & SUITE 403, Miami, FL 33166
Fortun Insurance
365 Palermo Ave, Coral Gables, FL 33134
Oscariz Insurance Group, Corp.
13860 SW 56 St, Miami, FL 33175
JM Private Insurance
7274 SW 48th Street, Miami, FL 33155
LRB Insurance & Finance Solutions
142 Beacom Blvd. Suite B, Miami, FL 33135
South Beach Insurance
710 W 51st St., Miami Beach, FL, FL 33140
Gables Elite Insurance
124 Madeira Ave, Coral Gables, FL 33134
Imax Insurance Group
10368 W Flagler St., Miami, FL 33174
JV Insurance Agency
10755 SW 104th St, Miami, FL 33176
Eckert Insurance Group, Inc
11601 Northwest 7th Ave., Miami, FL 33168
Gil & Associates Insurance Consultants
9485 SW 72nd Street, Suite A120, Miami, FL 33173

Miami, FL Car Insurance Agency FAQs

  • 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.