Kemper Auto offers coverage options that fit drivers’ vehicles, budgets and everyday insurance needs.
- Coverage for personal vehicles: Choose available coverages based on your vehicle and how you use it.
- Flexible payment plans: Explore payment options that can make managing your premium easier.
- Coverage choices: Add available optional coverages based on the level of coverage you want.
- Options for different drivers: Kemper Auto serves eligible drivers with a variety of driving histories and insurance needs.
Learn more about personal car insurance and available coverage options from Kemper Auto.
Let's look at each of these in detail:
Miami drivers have all kinds of routines. Some spend their mornings commuting downtown, while others drive between neighborhoods, school, work and family activities throughout Miami-Dade County.
Personal car insurance may be appropriate for:
- Daily commuters traveling on I-95, the Palmetto Expressway (SR 826), Dolphin Expressway (SR 836), Florida's Turnpike and other busy roads
- Families with multiple household vehicles
- College students who drive to school or work
- New drivers building experience behind the wheel
- Retirees who use their vehicles for errands and personal trips
- Military members and their families
From urban neighborhoods to suburban communities and less densely populated areas of Miami-Dade County, personal car insurance is generally intended for vehicles that are:
- Owned or leased by an individual or family
- Used to commute to work or school
- Driven for errands, vacations and other personal activities
- Shared with household members listed on the policy
- Used for occasional personal trips throughout Florida and neighboring states
Optional car insurance coverages available
Florida’s minimum coverage may not cover every expense after an accident, especially in a state with one of the nation’s highest rates of uninsured drivers, according to U.S. News & World Report.
Depending on eligibility, your policy, and additional personal vehicle coverage, drivers may consider:
- Bodily injury liability: Although bodily injury liability is not part of Florida's basic PIP and PDL requirements for most drivers, this coverage can help pay covered expenses when you are legally responsible for injuring another person in an accident.
- Uninsured/Underinsured motorist coverage: This coverage helps with covered expenses if you are hit by a driver by an at-fault who has no liability insurance or does not have enough coverage.
- Collision coverage: Collision coverage helps pay to repair or replace your vehicle after a covered collision, subject to your deductible and policy terms.
- Comprehensive coverage: Comprehensive coverage helps pay for covered non-collision damage, including certain losses involving theft, flooding or storm damage, which can be important considerations in South Florida.
- Roadside assistance: Roadside assistance helps pay for certain problems such as a flat tire, dead battery or breakdown.
- Rental reimbursement: Rental reimbursement helps pay for eligible rental car expenses while your vehicle is being repaired after a covered loss.
Penalties
Driving without Florida’s required insurance can lead to penalties that may affect your driving privileges and vehicle registration, including:
- Driving privilege and license plate suspension: Up to three years
- Reinstatement fees: Up to $500
- SR-22 requirement: An SR-22 certificate may be required following reinstatement
An SR-22 or FR-44 are not a type of car insurance policy. They are certificates used to show the state that a driver carries required liability coverage after certain violations.
Florida uses the FR-44 for qualifying DUI cases. The required liability limits are significantly higher: $100,000 for bodily injury or death of one person, $300,000 for bodily injury or death of two or more people in one crash and $50,000 for property damage.
An SR-22 may be required for other financial responsibility cases, depending on the violation and state requirements.
Kemper Auto serves eligible drivers who may need an SR-22 or FR-44 filing. Eligible drivers may also be able to obtain personal vehicle insurance using certain non-standard forms of identification, including a foreign driver's license or matrícula consular.
If your driving history makes finding personal car insurance coverage more challenging, talking with an agent can help you understand the options available to you.
Car insurance rates can vary based on location, driving habits and other factors. Traffic, accident frequency, vehicle theft, repair and parts costs, weather risks and uninsured drivers may influence insurance rates. Rates can also vary by ZIP code, so a driver in Kendall may receive a different rate than a driver in Little Havana.
Auto insurance quotes can vary considerably from one person to another. That is why searching for affordable car insurance in Miami starts with getting a quote based on your own information.
Factors that may affect your premium include:
- Garaging ZIP code
- Vehicle year, make and model
- Driving record
- Claims history
- Coverage limits and deductibles
- Annual mileage
- Number of vehicles on the policy
- Number of drivers on the policy
Looking for budget-friendly car insurance? Kemper Auto can help. You can request a quote or find a local agent to discuss available options. You may also qualify for car insurance discounts, including:
- Paid in full
- Proof of prior coverage
- Good Student
- Kemper Co-Pilot
Discount availability and eligibility may vary.
Frequently asked questions about personal car insurance Miami
According to U.S News and World Report, drivers in Miami pay an average of $4,452 per year for full coverage. That is a third-party market estimate, not a Kemper Auto rate, and your actual premium may be different.
Your rate can depend on factors such as your ZIP code, vehicle, driving history, claims history, selected coverage, limits and deductibles. The best way to see what you may pay is to request a personalized quote.
There is no single answer. Your rate depends on your driving record, ZIP code, vehicle, coverage choices and other rating factors.
Choosing different deductibles and coverage limits and checking available discounts may affect what you pay. A personalized quote can show you the options available based on your information.
Several factors can contribute to car insurance costs, including traffic and accident frequency, theft, repair expenses, weather-related risks and uninsured motorists.
Florida had an estimated uninsured motorist rate of 20.6% in 2023, compared with a nationwide estimate of 15.4%, according to Insurance Research Council data.
Your individual rate still depends on your own rating factors, including your location, vehicle, driving record and selected coverage.
Yes. Kemper Auto may offer coverage to eligible drivers with driving histories that include DUIs, at-fault accidents, speeding tickets or gaps in prior coverage.
Depending on the violation, Florida may also require an SR-22 or FR-44 filing as proof of financial responsibility. Kemper Auto can assist eligible policyholders with required filings.
Yes. Eligible drivers may be able to obtain Kemper Auto coverage using certain non-standard forms of identification, including a foreign driver's license or matrícula consular. Eligibility and requirements can vary, so speak with a Kemper Auto agent about the identification you have and the coverage options available to you.
