Miami is one of the two most expensive cities in Florida for car insurance, and Florida’s no-fault rules change what a state-minimum policy actually covers. This page sets out what coverage costs here, what Florida law requires, and how to compare quotes at identical limits.
The information below is general educational content drawn from public industry sources. Specific rate impacts vary by state, by carrier, by individual driving history, and by the rate factors filed and approved with each state Department of Insurance. The ranges and patterns on this page are industry estimates, not GoAuto rating factors. For an accurate quote, contact GoAuto directly.
Car insurance is required in Miami under Florida law, which sets a minimum of $10,000 in personal injury protection and $10,000 in property damage liability. Florida is a no-fault state, so your own personal injury protection pays your initial medical costs regardless of who caused the crash. Miami premiums run well above the Florida statewide average, at about $134 a month for minimum coverage and $315 a month for full coverage against statewide averages of $86 and $203, largely because of traffic density, vehicle theft, storm exposure and an uninsured-driver rate well above the national figure. What any individual driver pays depends on ZIP code, vehicle, driving record and coverage level, so comparing quotes at identical limits is the only way to see your own rate.
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Miami driving means dense traffic on I-95 and the Palmetto Expressway, sudden tropical downpours, and long stretches of stop-start expressway. Those conditions are part of why premiums here sit above the Florida average, and they are worth weighing when you choose a coverage level rather than defaulting to the state minimum.
Only Tampa matches Miami on price among Florida’s large cities. The table below compares 2026 market averages in Miami against Florida as a whole. These are averages across all carriers, not GoAuto rates, and no average will match an individual quote: your premium is built from your ZIP code, your vehicle, your driving history, your credit-based insurance score where Florida permits its use, and the limits and deductibles you choose.
| Coverage level | Florida statewide | Miami |
|---|---|---|
| State-minimum coverage$10,000 PIP and $10,000 PDL | $86 / month | $134 / month$1,608 / year |
| Full coverageLiability + comprehensive + collision | $203 / month | $315 / month$3,780 / year |
Sources: MoneyGeek, “Average Car Insurance Cost in Florida (2026 Rates)” (moneygeek.com/insurance/auto/average-cost-car-insurance-florida/), including its city comparison table, and MoneyGeek, “Best Cheap Car Insurance in Miami, FL (2026)” (moneygeek.com/insurance/auto/best-cheap-car-insurance-miami-fl/), 2026 data, both accessed 12 August 2026. Market averages only; no individual insurer’s rates are represented. Every figure in the table above is published directly by the source: MoneyGeek publishes Florida statewide costs monthly, and the Miami annual figures are published on the Miami page. The comparison figures shown beside the table are calculated from those published figures. The uninsured-driver figure is published separately on the Florida state page. Your actual rate will depend on driving history, credit, vehicle type and ZIP code.
Rates also vary substantially inside the city itself: two drivers with identical records and vehicles can be quoted differently in Little Havana and in Kendall, because ZIP code carries real weight in a Florida rating plan.
Insurers rate Miami above the rest of Florida because the metro concentrates several cost drivers in the same place:
Uninsured-driver figure: MoneyGeek, “Average Car Insurance Cost in Florida (2026 Rates)” (moneygeek.com/insurance/auto/average-cost-car-insurance-florida/), 2026 data, accessed 12 August 2026.
Florida law requires every driver who registers a vehicle in the state to carry at least the two coverages below. Miami has no separate city requirement; the state minimum applies.
| Coverage | Florida minimum |
|---|---|
| Personal injury protection (PIP) | $10,000 |
| Property damage liability (PDL) | $10,000 |
Florida is unusual in what it leaves out. Most states require bodily injury liability, the coverage that pays for injuries you cause to other people. Florida does not require it of an ordinary driver. Personal injury protection covers your own injuries, and property damage liability covers damage you cause to someone else’s property, so a driver carrying only the state minimum has no coverage for another person’s medical bills if they cause a serious crash.
Coverages Florida drivers commonly add on top of the minimum:
A lender on a financed or leased vehicle will normally require collision and comprehensive on top of the state minimum. You may file a claim under your own physical damage coverage even when another driver caused the accident. For official guidance on state requirements and registration, see the Florida Highway Safety and Motor Vehicles website, and for the full state breakdown see our Florida car insurance page.
Yes. Every vehicle registered in Miami must carry at least $10,000 of personal injury protection and $10,000 of property damage liability, and coverage has to be in place before the vehicle can be registered.
Florida is a no-fault state, which changes how a claim starts. After a crash, your own personal injury protection pays first, regardless of who caused it. Under Florida’s no-fault statute, personal injury protection covers 80% of reasonable medical expenses and 60% of lost income, up to the $10,000 limit. There is a deadline attached to that benefit: you have to receive initial medical services and care within 14 days of the crash, or the medical benefit is not payable at all. That 14-day window catches out more Florida drivers than any other rule in the system, and it applies whether or not the crash was your fault.
A lapse in coverage is handled administratively rather than at a traffic stop. Florida requires continuous coverage on a registered vehicle, and the state can suspend your driver license and vehicle registration when coverage stops, with reinstatement requiring new coverage plus a fee that rises for repeat lapses. If you sell a vehicle or take one off the road, surrender the license plate as well as canceling the policy, because a canceled policy on a still-registered vehicle is what generates most Florida suspension notices.
A driver convicted of DUI in Florida faces a heavier requirement than an ordinary lapse. Florida requires an FR-44 filing rather than an SR-22, which means carrying bodily injury liability of $100,000 per person and $300,000 per crash plus $50,000 of property damage liability, maintained for three years. Those limits are ten times the ordinary property damage minimum on the bodily injury side and five times it on the property damage side.
Sources: Florida Statutes section 627.736 (personal injury protection benefits, 14-day initial services requirement, 80% medical and 60% lost income); Florida Highway Safety and Motor Vehicles, DUI frequently asked questions, on the FR-44 requirement under section 324.023. Both accessed 12 August 2026.
Two separate offices have to be satisfied, and clearing one does not clear the other. The criminal case runs through the county court, and the license and the insurance filing are handled by the state.
The court side. A Miami DUI case is heard in the Miami-Dade County courts, and the Clerk of the Courts is where fines, court costs and case records sit. Missed appearances and probation matters are cleared there.
The state side. Florida Highway Safety and Motor Vehicles holds the license. After a DUI conviction it requires an FR-44 rather than an SR-22, which means bodily injury liability of $100,000 per person and $300,000 per crash plus $50,000 of property damage liability, or a combined single limit of $350,000. That is roughly ten times the ordinary Florida bodily-injury figure and five times the property-damage minimum.
Why the order matters. The state will not reinstate until every court-ordered requirement is complete and the office that placed the hold reports it cleared. Paying the fine does not restore the license, and filing the FR-44 does not close the court case.
Then keep it in force. The FR-44 has to run three years from reinstatement without a lapse. If it lapses, the insurer notifies the state and the suspension returns.
Sources: Florida Highway Safety and Motor Vehicles, DUI frequently asked questions, on the FR-44 requirement and its limits under section 324.023; the Miami-Dade County Clerk of the Courts, on fines, court costs and case records. Both accessed 19 August 2026.
Quotes are only comparable when they describe the same policy, so work in this order:
GoAuto Insurance writes auto coverage across its licensed states, including Florida, and considers drivers with a range of records, including tickets, accidents, DUIs, and coverage lapses. GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and, depending on your situation, can provide a policy that includes SR-22 verification. Down-payment and payment options vary by state and situation. Eligibility, coverage, filing timelines, and pricing depend on your state and your individual circumstances, so the best way to see what applies to you is to get a quote, or call 833-700-0000.