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Search by Quote ID → Search by Date of BirthMercury Car Insurance in Miami
When it comes to driving in Miami, protection is paramount. The city’s bustling streets, unpredictable weather, and unique driving conditions make a reliable car insurance policy not just a good idea, but a necessity. Luckily, Mercury’s policy options make it easy to achieve peace of mind on the road.
With Mercury, you’re not just getting a policy. You’re gaining a partner that understands the specific needs of Miami drivers. Our comprehensive coverage options address the risks associated with hurricane seasons, including windstorm damages and flooding. Additionally, we factor in the city’s high population density and traffic congestion, offering coverage for potential incidents involving uninsured motorists and offering optional add-ons for collision coverage. Get your personalized quote today and discover why we’re the preferred choice for car insurance in Miami.
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.
Get Cheap Auto Insurance in Miami From Mercury
Mercury offers some of Miami’s cheapest car insurance rates without compromising quality. Whether you’re cruising down the vibrant streets of Little Havana, commuting across the scenic causeways to Miami Beach, or navigating the bustling downtown area, you can enjoy peace of mind knowing you have protection that fits your budget.
Save More with Discounts
Mercury provides several discounts that can help you save on your auto insurance premium. Taking advantage of these discounts not only reduces your overall insurance costs, but also allows you to get comprehensive coverage without breaking the bank. Here are some key discounts we offer:
- Multi-car discount: If you insure more than one vehicle, you can qualify for the multi-car discount.
- Good driver discount: We offer a discount for drivers with a clean driving record free of accidents, traffic violations, and claims.
- Anti-theft feature discount: You can get a discount if you have a vehicle with certified anti-theft systems installed.
- Good student discount: Students with excellent grades can receive a discount.
These are just a few of the discounts we offer. Contact your local agent today to see what you qualify for.
Miami Car Insurance FAQ
How much is car insurance in Miami?
According to Value Penguin, the average cost of car insurance in Miami is $123 per month for minimum coverage, which is nearly twice as much as the national average of $64 per month.
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.
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: