Car Insurance in Florida
Find the best auto insurance rates in Miami and throughout Florida. Tammy shops multiple top-rated carriers to get you the right coverage at the right price.
What Is Car Insurance?
Florida law requires all drivers to carry a minimum of Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage. But minimum coverage often isn't enough to fully protect you after an accident. At Tammy Insurance Agency, we help Miami drivers find affordable policies that go beyond the minimum — so you're truly covered.
Whether you're a first-time driver, have a multi-car household, or are looking to bundle your auto and home insurance, we'll compare rates across multiple carriers to find the best deal for your situation. We serve all of Miami-Dade, Broward, and the entire state of Florida. If you also operate a business vehicle or fleet, explore our Commercial Auto Insurance options designed specifically for Florida business owners.
What's Typically Covered
- Liability coverage (Bodily Injury & Property Damage)
- Personal Injury Protection (PIP) — required in Florida
- Collision coverage for damage to your own vehicle
- Comprehensive coverage (theft, weather, vandalism)
- Uninsured/Underinsured Motorist Protection
- Rental reimbursement and roadside assistance add-ons
Frequently Asked Questions
What is the minimum car insurance required in Florida?
Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). We recommend higher limits for better protection.
Can I get car insurance with a bad driving record?
Yes! As an independent agency, we work with carriers that specialize in non-standard auto policies. We'll find options regardless of your driving history.
Does Tammy Insurance serve drivers outside Miami?
Absolutely. We are licensed to provide car insurance to drivers throughout the entire state of Florida.
Get Your Quote Today
Tammy will shop multiple carriers to find the best rate for your specific situation.
Request a Free QuoteCall (305) 485-3999📍 Serving All of Florida
Based in Miami at 9531 SW 40th Street — licensed to provide coverage throughout the entire state of Florida.
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Ready for Car Insurance?
Let Tammy find you the best rate in Florida. It only takes a few minutes.