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Cheap Car Insurance in Miami, Florida

Want to know more about Miami and how you can get cheap car insurance? Well, Miami is known for its exotic cars, diverse cultures and vast array of entertainment choices. A metropolitan powerhouse, over five million people live in Miami, enjoying the nearby beaches and numerous restaurants, clubs and shops that cater to every taste and budget. The traffic laws in Florida are strict, but they are designed to keep drivers and pedestrians safer.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Miami. Get your auto insurance quote today!

Driving Conditions in Miami

Most of the daily traffic is centered on I-95, the main road where commuters, tourists and students all merge together to drive up and down the Florida coast. The Florida Turnpike is another area with high traffic. Fortunately, the 95 Express Lane allows the rushed commuter to get to his destination faster.

Odd or Unique Laws in Miami

Car insurance in South Florida is generally higher than in other parts of the country. Drivers are often fined for getting pulled over without proof of current car insurance. An added tip: uninsured motorist coverage is important to have in Miami, where many people drive without insurance. The city also makes use of red light cameras to catch drivers who go through the lights illegally.

In Miami, you’re not allowed to keep pigs, and you’re not allowed to skateboard at municipal facilities.

Crime Statistics in Miami

According to the FBI, Miami had 4,237 incidents of motor vehicle theft in 2010. Of those thefts, 188 cars were eventually recovered. There were also 8,446 counts of burglary in Miami that same year.

In 2015, according to the FBI, 2,298 vehicles were reported stolen in Miami, and 19,128 property crimes were reported.

Safety Requirements in Miami

Seat Belt Law

In Florida, all drivers, front-seat passengers and passengers under 18 must fasten their safety belts, according to the Florida Department of Highway Safety and Motor Vehicles. Drivers and passengers 18 or older can be cited if they or any passenger under 18 are not properly strapped in. A driver will be charged with a seat belt violation if any passenger under 18 is not restrained with a seat belt or child restraint device.

Under Florida law, children 5 and under must be secured in a child restraint device. Children 4 and 5 must secured in a separate carrier, an integrated child seat or a child booster seat.

Helmet Law

Florida requires motorcycle riders under 21 to wear a helmet. If you are over 21, you are not required to wear a helmet. If you do go without a helmet, you must carry $10,000 worth of medical payment insurance.

Distracted Driving Law

Texting while driving is illegal in Florida. However, talking on a cellphone while driving is allowed. A first-time offense under the texting-while-driving law can result in a $30 fine.

Impaired Driving Law

In Florida, a driver 21 and over can be charged under the DUI law if he or she has a blood alcohol concentration (BAC) of 0.08 percent or higher. A first-time offender faces a maximum penalty of one year of probation, a one-year license suspension, a $1,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days.

If a driver’s BAC is at least 0.15 percent, a first-time offense can result in a maximum of one year of probation, nine months in jail, a one-year license suspension, a $2,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days.

If a driver is under 21, the BAC threshold is 0.02 percent. DUI penalties increase if the BAC is 0.08 percent or above.


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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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