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2024

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Best Local Car Insurance Agencies in Miami Beach, FL

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Miami Beach 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.

61Reviewed

40Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1370 West Flagler Street, Miami, FL 33135
WebsiteLicense: R018344

Expertise.com Rating

Review Sources

Google
4.7 (158)
Yelp
4.5 (7)
Facebook
5.0 (1)

Why choose this provider?

Sol Insurance Agency has been handling the insurance needs of car owners, homes, families, and businesses in Miami Beach and the surrounding areas since 1995. The local independent insurance agency offers vehicle insurance for personal cars, motorcycles, recreational vehicles, trailers, boats, and commercial vehicles. It represents more than 50 national, regional, and statewide insurance carriers, to make sure clients get the best auto insurance products for their unique needs. Sol Insurance Agency maintains two office locations in Miami, one in Flagler, and the other in Bird Road.

  • Bundling Option

1666 John F Kennedy Causeway, North Bay Village, FL 33141
WebsiteLicense: L054357

Expertise.com Rating

Review Sources

Google
4.9 (17)
Facebook
5.0 (8)

Why choose this provider?

AllStar Insurance is a professional insurance agency that works with residential and commercial clients in Miami Beach and nearby areas. The company offers a wide array of insurance and risk management products such as personal and commercial automobile insurance, homeowner and property insurance, general liability coverage as well as flood insurance. AllStar's expertise in insurance and risk undertaking allows it to provide each client with a suitable insurance package tailored to suit various requirements.

  • Multiple Carriers

1111 Lincoln Road, Miami Beach, FL 33139
WebsiteLicense: L090095

Expertise.com Rating

Review Sources

Google
4.9 (48)
Facebook
5.0 (6)

Why choose this provider?

Toscano Insurance Group is an independent insurance agency with an office in Miami Beach. Its insurance agents service clients proactively with their in-depth knowledge of car insurance products and provide the right insurance plan that best fits the client's circumstance. They offer auto insurance policies with full coverage that include compensation for damage to vehicles caused by theft, fire, and other incidents not covered by collision coverage. The plan also covers medical bills for the policyholder and their passengers after an accident.

  • Multiple Carriers

1241 Southwest 27th Avenue, Miami, FL 33135
WebsiteLicense: R006769

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Yelp
4.0 (4)

Why choose this provider?

E & L Insurance Services Inc. provides vehicle insurance solutions to residents of the Miami Beach metro and nearby areas. The independent insurance agency has a large customer base in Miami and is committed to connecting businesses, families, and other members of the community to each other through its products. Its premier auto insurance products provide the state minimum required for liabilities as well as coverage for medical payments, uninsured motorists, and roadside assistance.

  • Motorcyle & ATV

800 71st Street, Miami Beach, FL 33141
WebsiteLicense: R036007

Expertise.com Rating

Review Sources

Google
4.8 (8)

Why choose this provider?

A Miami Beach-based insurance agency, A&T Insurance Brokerage provides auto insurance plans to its clients in the metro. These can include liability, collision, accident, rental payment, uninsured and underinsured motorist, and full coverages. With 12 years of experience, A&T Insurance Brokerage has insurance agents that can cater to clients that speak Spanish, German, and French. The company also provides other products, such as homeowners', condo, business, health, disability, and life insurance policies.

  • Multiple Carriers

1775 Southwest 8th Street, Miami, FL 33135
WebsiteLicense: L057824Full

Expertise.com Rating

Review Sources

Google
4.0 (25)

Why choose this provider?

Dolphin Insurance - Miami is a family-owned independent insurance firm that has been serving Miami Beach and all of South Florida for more than 25 years. Representing numerous carriers, its professional agents are adept at monitoring the ever-changing marketplace to simplify the selection process for the client. Motorists in need of assistance with securing car insurance may avail themselves of the services of Dolphin Insurance - Miami. The company will then source several options for protection in the event of an auto accident.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

429 Lenox Avenue, Miami Beach, FL 33139
WebsiteLicense: W464115

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

We Insure Group is owned by Romina Saaied, who serves individuals and businesses in Miami Beach. Saaied provides a wide range of protection plans, including auto insurance. She offers various coverage options for car owners such as bodily injury liability. In the event that the policyholder injures others, this insurance type helps pay for the expenses involved. Saaied has nearly four decades of experience in the field of sales. The multi-lingual agent speaks English, Portuguese, Italian, and Spanish.

  • Multiple Carriers

710 West 51st Street, Miami Beach, FL 33140
WebsiteLicense: R004787

Expertise.com Rating

Review Sources

Google
4.5 (6)
Facebook
5.0 (2)

Why choose this provider?

South Beach Insurance agency is a full-service and independent agency that offers auto, property and casualties insurance services to individuals and commercial clients in Miami Beach and the nearby areas. Property and casualties For over 25 years, the company has been working with several insurance carriers to provide clients with the coverages that are suited for them. Moreover, the whole South Beach Insurance team strives to meet the changing needs of policy buyers through high-quality customer service. The agency fax number is 305-356-5796.

  • Bundling Option

1880 Northeast 163rd Street, North Miami Beach, FL 33162
WebsiteLicense: L019776

Expertise.com Rating

Review Sources

Google
4.6 (75)
Yelp
4.0 (5)
Facebook
5.0 (3)

Why choose this provider?

Assure-Us is an insurance agency established in 2001 in Miami Beach. It delivers auto insurance solutions that grant policyholders liability coverage from collisions, property damage, violations, and injury, and collision coverage in cases of accidents. The firm has an online database that presents comparisons of quotes from different multiple insurance carriers to help clients choose which plans are most suitable for their needs and budgets. Assure-Us also provides policies for antique cars, motorcycles, boats, watercraft, and RVs.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Sol Insurance Agency - Flagler
1370 West Flagler Street, Miami, FL 33135
AllStar Insurance Services
1666 John F Kennedy Causeway, North Bay Village, FL 33141
Toscano Insurance Group
1111 Lincoln Road, Miami Beach, FL 33139
E & L Insurance Services, Inc.
1241 Southwest 27th Avenue, Miami, FL 33135
A&T Insurance Brokerage
800 71st Street, Miami Beach, FL 33141
Dolphin Insurance - Miami
1775 Southwest 8th Street, Miami, FL 33135
Romina Saaied
429 Lenox Avenue, Miami Beach, FL 33139
South Beach Insurance Agency
710 West 51st Street, Miami Beach, FL 33140
Assure-Us
1880 Northeast 163rd Street, North Miami Beach, FL 33162

FAQs

  • 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.

  • In Miami Beach, if your damages exceed your insurance policy limits, are you limited to that amount?

    It's essential for Miami Beach residents to know that even with "no-fault" insurance, they have the option to file a lawsuit against the responsible driver or their insurer for extra damages if the injuries were caused by another party. While Florida's minimal insurance requirements may fall short, experts recommend acquiring supplementary coverage. For instance, many drivers opt for a $100,000/$300,000 bodily injury policy, not obligatory but useful to safeguard against personal liability in accident cases involving injuries.

  • If a car insurance claim is made in Miami Beach for more than two weeks and the vehicle is still not fixed, is this a violation of Florida state law?

    No. Florida laws don't specify a fixed period for car insurance claims to be resolved. It's crucial to maintain regular communication with your car insurance carrier in Miami Beach. If there is no progress or updates after a month, policyholders are urged to report the issue to the Division of Consumer Services' Chief Financial Officer.

  • What can I do if a Miami Beach car owner disagrees with the insurer's claim denial or settlement offer?

    In Miami Beach, if insurers reject your claim, they must send a written notification. If you possess data opposing their stance, furnish it for re-evaluation. If unsatisfied with a settlement sum, gather proof to support a higher amount. Remember, you're entitled to haggle with the insurer. When disagreements persist, the Department of Financial Services can mediate.

  • If an accident occurs, is there anything Miami Beach residents should know about their personal injury protection (PIP) auto insurance?

    In Miami Beach, no-fault PIP car insurance aims to reduce court claims, but its $10,000 limit often falls short, especially with medical treatments and car repairs. For instance, a hospital trip might deplete this amount. Additionally, PIP should account for lost earnings, but combined with health costs, funds diminish swiftly. When coverage is insufficient, pursuing a personal injury lawsuit may be necessary for extra compensation.

  • 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.