Car Insurance Quotes in Miami? Del Toro Insurance Has You Covered

Why compare car insurance quotes before you renew in Miami?

Because carriers constantly rate the same driver differently

Renewing on autopilot locks you into a single carrier's view of you. Comparing several is how you find the one whose rating model reads your profile best.

One weighs a recent ticket heavily, another weighs how long you have held continuous coverage, a third prices your Miami-Dade ZIP code more favorably than the rest

AUTO INSURANCE

We compare quotes from multiple carriers — GEICO, Progressive, Kemper and others — to find the price that fits your record and your budget, whether you drive daily or keep a second car parked.

Liability Coverage

Florida requires $10,000 in Property Damage Liability on every registered vehicle, covering damage you cause to someone else's car or property.

SR-22 Filing

An SR-22 is a certificate your insurer files with the Florida DHSMV confirming you carry the required coverage, usually after a DUI, a suspension or driving uninsured.

Personal Injury Protection (PIP)

PIP covers 80% of your medical bills and 60% of lost wages up to your $10,000 limit, regardless of who caused the crash.

Rideshare & Delivery Coverage

Driving for Uber, Lyft, DoorDash or Instacart leaves a gap between your personal policy and the app's coverage — the stretch when the app is on and you are still waiting for a ride

High-Risk & Non-Owner Policies

Tickets, at-fault accidents, a lapse in coverage or a suspension put you in the high-risk market, where several of our carriers specialize.

COMMERCIAL AUTO INSURANCE

Commercial auto covers the vehicles your business runs on, from a single work truck to a full fleet. We write policies for contractors, delivery operations, landscapers and mobile service businesses across Miami-Dade and Broward.

Hired and Non-Owned Auto

Hired and non-owned auto covers the vehicles your business uses without owning them — a rented truck for a job, or an employee running errands in their own car.

Fleet Insurance

One policy for every vehicle your business operates.

Certificates of Insurance (COI)

A certificate of insurance is the proof a client or a job site asks for before you start work, and we issue yours the same day you request it.

Contractor Commercial Auto

Trucks and vans used by Miami trades carry risks personal policies exclude

BUSINESS INSURANCE

We place general liability, professional liability and business owner's policies for small businesses across Miami, and we walk through each coverage in plain English or Spanish before you sign

General Liability Insurance

Baseline protection against third-party injury and property-damage claims.

Business Owner's Policy (BOP)

Bundles general liability and commercial property in one policy — the most common starting point for small businesses.

Professional Liability (E&O)

Coverage for claims arising from professional services and advice — increasingly searched by Miami's consultant and healthcare sectors.

Workers' Compensation

Florida-required coverage for employees, with specific rules for construction businesses.

HOMEOWNERS INSURANCE

We place general liability, professional liability and business owner's policies for small businesses across Miami, and we walk through each coverage in plain English or Spanish before you sign

Flood Insurance

Never included in standard homeowners policies — a separate decision for every Florida home.

Dwelling & Hurricane Coverage

How percentage-based named-storm deductibles change what your policy actually pays.

Citizens Property Insurance

Options for Florida policyholders with Citizens, the state's insurer of last resort.

Condo Insurance (HO-6)

Covers what the association's master policy doesn't — walls-in protection for Miami condo owners.

RENTERS INSURANCE

Your landlord's policy covers the building; your renters policy covers everything you moved into it.

Protects your belongings; the building is your landlord's responsibility.

Renters Liability Insurance

Covers accidental injury or damage you cause to others.

Loss of Use Coverage

Temporary housing costs if your rental becomes uninhabitable.

Flood Coverage for Renters

Your landlord's policy doesn't cover your belongings from flood.

Personal Property Coverage

HEALTH INSURANCE PLANS

We write Marketplace (ACA) plans, private health plans and dental coverage for individuals, families and self-employed residents across Miami

ACA / Marketplace Plans

On-exchange options with potential premium assistance.

Private Health Plans

Private plans sit outside the Marketplace and suit people whose income or timing puts a Marketplace plan out of reach.

Dental Plans

Dental coverage comes standalone or paired with a health plan, covering cleanings, fillings and major work at different levels.

Plans for freelancers, contractors, and gig workers.

Self-Employed Health Insurance

OTHER COVERAGE WE WRITE

Beyond the core lines, we write the policies that round out a household or a hobby. Each one takes the same multi-carrier comparison.

Motorcycle Insurance

Motorcycles carry their own policy form and their own rules in Florida, and we quote liability, collision and comprehensive plus coverage for custom parts.

Life Insurance

Life insurance replaces the income your family counts on, and our licensed life agent quotes term for a fixed period and whole life for permanent protection.

Umbrella Insurance

Umbrella insurance adds a layer of liability above the limits on your home and auto policies, usually starting at $1 million.

Pet Insurance

Pet insurance reimburses a share of your veterinary bills, so the treatment decision stays a medical one

RV & Boat Insurance

RVs and boats each need their own policy, and we write motorhomes, travel trailers and boats kept at a marina, on a trailer or moored on Biscayne Bay.

Get Your Free Quote in 5 Minutes

Tell us what you want to protect and we come back with prices from the carriers that fit your profile — usually the same business day.

• Service in English, Spanish and Portuguese

• Licensed agents and brokers on Flagler Street

• A reply within minutes during office hours

• All your coverage on one simple form

Your Neighbor In Miami, Little Havana

We're part of this community, and we hold ourselves to policies that are clear, competitive and honest, because around here your word is your word

Visit The Flagler Street Office

Our office is conveniently located at 1412 W Flagler St, Suite D, Miami, FL 33135, serving customers in Little Havana, Miami and throughout Florida

Trusted by Drivers, Families & Businesses Across Miami and Florida

★★★★★

Excellent customer service

Del Toro Insurance Flagler St. Del Toro Insurance is a well-known local agency that offers a wide range of insurance...

Laura C, Miami, FL.

★★★★★

For me, without a doubt, the best insurance agency in Miami

Excellent personal service, and in Spanish. They helped me find the best insurance...

Luis N, West Miami, FL.

★★★★★

I came to this office for an auto insurance quote and the service was excellent

Heydy explained everything step by step, from the coverage to the prices, without rushing...

Yuleidy R, Doral, FL.

★★★★★

If you're looking for cheap insurance in Miami

They helped me find the best policy for my car. Personal service, all in Spanish…

Mabel G, Miami, FL.

Insurance Questions Miami Drivers Ask Us

How much does car insurance cost in Miami?

There is no single Miami price, and any agent quoting you one before seeing your profile is guessing. Rates shift by ZIP code within Miami-Dade, by driving record, by vehicle, by how long you have held continuous coverage, and by the limits you pick. Two neighbors on the same block routinely pay very different premiums for the same car.

Which Del Toro Insurance office is this?

This is the Del Toro Insurance office at 1412 West Flagler Street, in Little Havana. Del Toro Insurance runs offices across Florida, each with its own licensed team, its own phone line and its own clients. Ours is the Flagler Street location, and you reach us at (305) 509-8613.

What coverage do I need to drive legally in Florida?

Florida requires $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability on every registered vehicle. Florida is a no-fault state, so your PIP pays your medical costs first, whoever caused the crash. Bodily Injury Liability stays optional for most drivers, and we recommend carrying it anyway — the state minimum covers far less than a serious accident costs.

What does an independent broker do that calling one insurance company skips?

One insurer rates you against its own book and shows you one price. We hold appointments with 22+ carriers, run your profile through all of them, and bring back the ones that fit. Every carrier weighs tickets, continuous coverage and your ZIP code differently, and that spread is where the savings live.

How soon can I get proof of insurance?

Same day, in most cases within the hour during office hours. We email your ID cards and send a certificate directly to your lender, landlord or job site when one is needed. Bring your driver's license, vehicle information and current declarations page if you have one.

Do you speak Spanish?

Yes — every agent in the office is fully bilingual, and we handle quotes, policy questions, claims and renewals in Spanish or English. Portuguese is available too: ask for Hugo Díaz. Our Spanish-language site lives at segurosdeltoro.com.

What can an Independent Insurance Broker like us do for you?

One company quotes one price. In Miami, comparing several carriers is where affordable starts.

With Del Toro Insurance:

• Multiple carriers compared, side by side

• Unbiased, carrier-neutral advice

• One quick call

Get a online quote, by WhatsApp, or by phone — whatever's easiest for you.

An independent insurance broker works for you rather than for one insurance company, which means we hold appointments with the carriers writing auto, home, health, business and commercial coverage across Florida and we place your policy with whichever one prices your profile best — the same agent handling the quote, the renewal and the claim.

Going Direct to One Company:

• One company, one price

• Their product, their terms

• You make every call

Del Toro Insurance
1412 W Flagler St, Ste D
Miami, FL 33135

Contact

(305) 509-8613
heydytorre@deltoroinsurance.com

Languages

• English

• Spanish - Se habla español

• Portuguese - Falamos português