Affordable Auto Insurance in Florida
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Auto Insurance Information
IMAX Insurance Group is Miami’s trusted auto insurance agency. We shop multiple carriers to find you the best car insurance rates in Florida — whether you need basic coverage, full coverage, or a policy for a high-risk driver.
Our bilingual agents make it easy to get a free quote and find the right plan for your situation.
Auto Insurance Requirements in Florida
Florida requires all registered vehicles to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).
Florida is a no-fault state, meaning your own insurance covers your medical expenses regardless of who caused the accident. Understanding Florida car insurance rules helps you avoid fines and keep your license active.
At IMAX, our agents help you understand exactly what coverage you need to stay compliant and protected.
How Much Does Car Insurance Cost in Miami?
Miami has some of the highest car insurance rates in Florida, but cheap auto insurance in Miami is possible when you work with an independent agency like IMAX. We compare rates across multiple carriers to find you the most affordable car insurance quotes in Miami.
The average Miami driver pays between $150–$300 per month, depending on their driving record, vehicle, and coverage level.
Coverage Options We Offer
At IMAX Insurance Group, we offer a full range of auto insurance coverage options for Miami and Florida drivers:
- Liability insurance: When an accident is deemed your fault, this coverage helps you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.
- Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.
- Property damage liability coverage: This pays for damage to the other party’s property.
- Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
- Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
- Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
- Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
- Roadside assistance
- Rental car reimbursement
- Custom parts coverage
- Replacement cost vehicle coverage
- Vanishing deductibles
- Gap insurance
Not sure which coverage is right for you? Our bilingual agents in Miami will walk you through every option and find the best rate across multiple carriers.
High Risk & Unlicensed Driver Insurance in Florida
Looking for cheap car insurance without a license near you? IMAX works with carriers that cover unlicensed drivers, making us one of the few agencies in Miami that can find you a policy regardless of your license status. We also offer commercial auto and truck insurance in Florida for business owners who need coverage for their vehicles and fleets.
Call us at 786-441-8985 or request your FREE QUOTE to figure out the best auto insurance policy for you and your vehicle.
