Personal Lines Coverage

Automobile Insurance

Personal auto coverage for drivers across Miami-Dade and beyond — from minimum state requirements to full comprehensive protection.

Get a free quote Call (305) 791-4872

Coverage overview

Florida requires all drivers to carry Personal Injury Protection (PIP) and Property Damage Liability. But minimum coverage often isn't enough. We help you build a policy that truly protects you — shopping across 100+ carriers to find the best combination of price and protection for your specific situation.

What we can include

Bodily injury liability
Property damage liability
Personal injury protection (PIP)
Uninsured/underinsured motorist
Comprehensive coverage
Collision coverage
Rental reimbursement
Roadside assistance

Who needs it

Who needs automobile insurance?

All Florida Drivers

Florida law requires PIP and PDL coverage for every registered vehicle. We make sure you're compliant and properly protected.

New Drivers

Young or newly licensed drivers often face higher premiums. We shop multiple carriers to find the most competitive rate.

Multi-Car Households

Insuring multiple vehicles? We can bundle them for significant discounts without sacrificing coverage.

High-Risk Drivers

Prior accidents, tickets, or DUIs don't have to mean unaffordable insurance. We work with non-standard carriers too.

Classic Car Owners

Collector and classic vehicles need agreed-value coverage — not standard depreciated value. We have the right markets.

Rideshare Drivers

Driving for Uber or Lyft? Personal auto policies have gaps during rideshare activity. We'll make sure you're covered.

Questions

Frequently asked questions

Don't see yours? Call or text us and we'll answer it.

What is the minimum auto insurance required in Florida?

Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums are often insufficient in a serious accident.

Does Florida require bodily injury liability?

Florida does not currently require bodily injury liability for most drivers, but it is strongly recommended. Without it, you could be personally liable for injuries you cause.

What's the difference between comprehensive and collision?

Collision covers damage from accidents with other vehicles or objects. Comprehensive covers non-collision events like theft, weather, and vandalism.

Will my rate go up after an accident?

It depends on the carrier and circumstances. We can shop your policy at renewal to make sure you're still getting the best rate after a claim.

Ready to get covered?

Our licensed advisors will find you the right coverage across our carrier partners. No obligation, no pressure. We speak English and Spanish.

Get a free quote (305) 791-4872

Other coverage lines

Homeowners Insurance Travel Insurance Excess / Umbrella Insurance Commercial Auto Insurance Workers' Compensation Professional Liability Insurance Builder's Risk Insurance Surety & Performance Bonds