Auto insurance in Miami, Broward & across Florida.
Honest coverage. No wasted time. Competitive rates, clear answers, and a team that follows up fast.
- Auto insurance is all we do
- One clear recommendation, with the price up front
- We tell you what a cheaper policy leaves out
What do you need today?
Pick the one that fits. Each takes about a minute to start.
Why drivers choose OnePath
One specialty means we know auto inside and out.
Competitive rates
We lead with the price and tell you exactly what it includes. No surprises when the bill or the claim arrives.
Fast, real service
No hold music, no calling three numbers for one answer. When you reach out, you hear back quickly from a person.
Straight answers
Plain language, no hedging. We tell you what a cheaper policy leaves out before you decide.
Free to ask. Nothing is bound until you say yes.
Florida auto insurance, in plain English
What the state requires, and why it’s only a starting point.
Personal injury protection (PIP)
Required. Covers 80% of necessary and reasonable medical bills up to the limit, no matter who caused the crash.
Property damage liability
Required. Pays for damage you cause to other people’s property, like their car or a fence.
Bodily injury liability
Most Florida drivers aren’t required to carry it. A serious crash you cause could cost far more than the minimums cover.
Source: Florida Highway Safety and Motor Vehicles. Rules can change; check flhsmv.gov for the latest.
Local to Miami-Dade and Broward. Open to all of Florida.
Pick your county, or start a quote from anywhere in the state.
Miami-Dade County
Auto insurance for drivers across Miami-Dade.
Broward County
Auto insurance for drivers across Broward.
Somewhere else in Florida? We can help there too.
Three steps. No runaround.
Tell us the basics
Your ZIP code, how many vehicles, and how to reach you. About a minute.
We recommend one path
You get a clear recommendation with the price and what it leaves out.
You decide
Ask questions or say yes. Nothing is bound until you confirm and we confirm in writing.
We’ll tell you what we don’t cover, too
Every conversation includes what’s excluded, what’s optional, and what could change at renewal.
Questions Florida drivers ask
What auto insurance does Florida require?
Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL) to register a vehicle. Bodily injury liability is not required for most drivers. These are minimums, not recommendations, and rules can change, so check flhsmv.gov for the latest.
Is the Florida minimum enough?
It covers the basics: your own medical bills up to a limit, and damage you cause to other people’s property. It does not pay for injuries you cause to others or for repairs to your own car. We’ll show you what to consider and what each option costs.
Do you serve my area?
Yes. We focus on drivers in Miami-Dade and Broward, and we can help anywhere in Florida.
How fast will I hear back?
We'll reach out within one business day of your request. If you ask for a call, we call. If you ask for email, we email.
What happens if my coverage lapses?
Florida can suspend your license plate and driving privilege for a lapse in required coverage, and reinstatement can cost up to $500 in fees. Keep coverage continuous, even on a car you aren’t driving, and talk to us before you cancel anything.
Does asking for a quote commit me to anything?
No. Nothing is bound until you confirm and we confirm in writing.
Still have a question? Ask it when we reach out.
Ready to see your auto insurance options?
Enter your ZIP code to get started. It takes about a minute.