Car Insurance South Florida

Get the Car Insurance Coverage You Need with Local Agents Who Aren’t Afraid to Pick up the Phone

People's Insurance Agency helps South Florida drivers navigate car insurance decisions with honest advice, competitive rates, and real human support.

Comprehensive Car Insurance Coverage

We help South Florida drivers get the right protection with clear guidance and great rates from trusted carriers.

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Personal Injury Protection (PIP)

Required by Florida law. Covers 80% of your medical expenses and 60% of lost wages after an accident, regardless of who's at fault. Florida requires $10,000 minimum.

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Property Damage Liability

Required by Florida law. Pays for damage to other people's property if you cause an accident. Florida requires $10,000 minimum, but we recommend higher limits.

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Uninsured / Underinsured Motorist

Highly recommended in Florida. Protects you when hit by drivers with no insurance or insufficient coverage. With 20% of Florida drivers uninsured, this is essential protection.

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Comprehensive & Collision

Protects your vehicle and may be required by your bank. Comprehensive covers theft, vandalism, and weather damage (crucial for Florida storms). Collision covers accident damage to your car.

SERVICE REQUIREMENTS

Information We'll Need for Your Car Insurance Quote

To get you an accurate quote and move quickly, please have this ready when you call or visit. Once you're here or on the phone, we'll discuss coverage options and get you the best insurance possible that fits your budget.

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Your Vehicle(s)

Details about each vehicle you want to insure:

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Year, make, model, and trim level

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VIN for each vehicle on the policy

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Current mileage

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How you use each vehicle

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Your Drivers

Information for all drivers in your household:

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Full names and dates of birth

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Driver's license numbers

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Social Security numbers

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Address and homeownership status

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Current Insurance

If you currently have auto insurance:

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Current insurance company name

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Policy documents and expiration date

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Coverage limits and deductibles

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Recent claims or lapses in coverage

Ready to Get Your Quote?

Have your information ready? Our South Florida team is here to help you.

WHY CHOOSE US

Why South Florida Drivers Choose People's Insurance for Car Insurance

Driving in South Florida isn't for the faint-of-heart. With 26% of drivers uninsured, over 100,000 hit-and-runs annually, and Miami ranking #3 nationally for staged accidents, you need agents who understand what you're really up against.

Right Coverage Levels

With 26% of South Florida drivers uninsured, most agents sell minimum coverage that leaves you stuck with the bill. We ensure you have adequate protection.

Local Fraud Education

Miami ranks #3 for staged accidents, but your current agent probably never warned you. We teach you what to watch for and how to stay safe.

Fair Rate Carriers

Florida's massive fraud problem drives up everyone's rates. We find carriers who don't unfairly penalize honest drivers.

Direct Access Promise

When you need policy help or have questions, no phone trees. Call us directly and talk to someone who actually knows your account.

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Melanie Concepción

Auto Insurance Specialist

Meet the team

Our professional team is here to help you

Bilingual expert who's helped hundreds of South Florida drivers navigate Florida's car insurance chaos. Melanie knows which carriers handle uninsured motorist claims well, how to spot fraud schemes, and what coverage actually protects you on I-95. When you call about car insurance, she explains everything in plain English (or Spanish) and makes sure you're not overpaying for protection you don't need.

Faq

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Frequently Asked Questions

  • 1. What is the minimum car insurance required in Florida?

    Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums often aren't enough to protect you in South Florida's high-risk driving environment. We recommend higher coverage limits to protect against uninsured drivers and costly accidents.


  • 2. Do I need uninsured motorist coverage in Florida?

    While not required by law, uninsured motorist coverage is highly recommended in South Florida. With over 26% of drivers uninsured in our area, this coverage protects you when hit by drivers with no insurance. It covers medical bills, lost wages, and vehicle damage that their insurance would have covered.

  • 3. How does PIP insurance work in Florida?

    PIP (Personal Injury Protection) covers 80% of your medical expenses and 60% of lost wages up to your policy limit, regardless of who caused the accident. In Florida's no-fault system, you file with your own insurance first. You must seek treatment within 14 days to qualify for PIP benefits.

  • 4. What should I do if I'm hit by an uninsured driver in South Florida?

    First, call 911 and get a police report. Then contact your insurance company immediately. If you have uninsured motorist coverage, it will handle your damages. Without it, you may need to sue the other driver personally. Always take photos and get witness information at the scene.

  • 5. How can I protect myself from staged car accidents in Miami?

    Miami ranks #3 nationally for staged accidents. Be alert for sudden brake-checking, cars that seem to force you into accidents, and drivers who immediately request specific tow trucks or doctors. Always call police, take photos, and avoid admitting fault. Report suspicious behavior to authorities.

  • 6. Why is car insurance so expensive in South Florida?

    Several factors drive up costs: high uninsured driver rates (26%), frequent staged accidents, hurricane risks, heavy traffic, and extensive fraud. Florida's PIP system also attracts fraudulent claims. Shopping with an experienced local agent helps you find coverage that balances protection with competitive pricing.

FREE GUIDE

Are You Asking Your Insurance Agent the Right Questions?

Get our free guide with 5 essential questions every South Florida resident should ask before choosing coverage.


  • Know what's really covered (and what isn't)
  • Avoid paying for coverage you don't actually need
  • Understand your hurricane and flood protection


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No spam, just helpful insurance insights for South Florida families.