The top-rated truck insurance agent in Miami, Florida is GoldenTrust Insurance Kendall, rated 5.0 stars across 3,155 reviews. Other highly rated options include First Choice Insurance Agency Corp, USA General Insurance Corporation, Insurance Exchange of America. This directory lists 78 truck insurance agents serving Miami.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | GoldenTrust Insurance Kendall | 11658 N Kendall Dr | (305) 452-0823 |
| 2 | First Choice Insurance Agency Corp | 7540 SW 117th Ave | (786) 360-1021 |
| 3 | USA General Insurance Corporation | 13631 SW 26th St | (305) 386-3305 |
| 4 | Insurance Exchange of America | 8600 NW 17th St Suite 101 | (305) 403-0800 |
| 5 | Blue Sky Insurance & Immigration Services | 1619 SW 107th Ave | (786) 391-3886 |
| 6 | Mercado Insurance Agency | 7900 NW 27th Ave #604B | (305) 402-4389 |
| 7 | Manny Morin - State Farm Insurance Agent | 10651 N Kendall Dr #111 | (305) 598-5821 |
| 8 | E&L Insurance | 1241 SW 27th Ave | (305) 541-1002 |
| 9 | Juan F Colao - State Farm Insurance Agent | 15680 N Kendall Dr #200 | (305) 386-7000 |
| 10 | Univista Insurance | 16359 SW 88th St | (305) 413-5144 |
GoldenTrust Insurance Kendall serves Miami, Florida, specializing in truck insurance agency services for commercial vehicle operators. The agency helps local drivers and fleet owners secure coverage that meets state regulations and industry requirements. Policies typically address liability protection, physical damage coverage, and cargo insurance for transport businesses operating throughout the Miami metro area. By focusing on trucking-specific risks, the agency simplifies the process of obtaining necessary coverage for local routes and long-haul operations. It handles specialized policies such as non-trucking liability insurance and motor truck cargo protection.
First Choice Insurance Agency Corp serves trucking businesses and owner-operators in the Miami area, providing commercial auto and liability coverage to protect their fleets. The agency works with drivers navigating local routes and long-haul operations across South Florida. It also assists smaller transport companies in managing their risk exposure with appropriate insurance policies. Beyond Miami, it covers truck operators in the neighboring community of Hialeah.
USA General Insurance Corporation in Miami, Florida distinguishes between one-time quotes for single truck episodes and recurring policies for fleet operations, tailoring coverage limits to replacement cost or third-party liability demands. Agents assess cargo value, route hazards, and compliance with federal weight regulations to structure protection. Consultations help drivers and owner-operators select appropriate deductibles. Service runs on a one-time or as-needed basis to accommodate irregular policy updates or annual renewals.
Insurance Exchange of America serves Miami and the surrounding South Florida communities, specializing in truck insurance for both long-haul and regional operators. The agency handles policies covering liability, physical damage, cargo, and other essential protections for commercial trucking fleets and independent owner-operators. Navigating the complexities of local and interstate regulations is central to its role. For each client, it begins by reviewing their specific fleet size and driving routes, then customizes a package that balances coverage with cost efficiency for typical operations.
Blue Sky Insurance & Immigration Services specializes in truck insurance agent services, including liability and cargo coverage for commercial vehicles in the Miami area. It helps local owner-operators and fleet managers meet Florida’s mandatory insurance requirements for trucking operations. The company also assists with filings and compliance documentation for over-the-road transport. During hurricane season, it advises drivers on adjusting coverage to protect equipment from storm-related damage or business interruption.
Mercado Insurance Agency provides a range of truck insurance services in Miami, Florida, specializing in coverage for commercial vehicles and freight operations. The agency offers comprehensive service plans that include liability protection, cargo insurance, and physical damage coverage tailored to local hauling routes. Year-round maintenance plans help truck operators remain compliant with Florida’s regulatory requirements and safety standards. The agency services a variety of commercial properties, including logistics depots, distribution centers, repair garages, and fuel stations.
Manny Morin - State Farm Insurance Agent serves Miami homeowners, business owners, and trucking companies seeking liability and cargo coverage for their commercial vehicles. Policies are customized to meet local regulatory requirements and protect against risks common on South Florida roads. Routine policy reviews and claims assistance are provided to help keep operations running smoothly. The agency also actively covers the surrounding neighborhoods of Hialeah and Coral Gables.
E&L Insurance provides both one-time liability coverage and recurring policies for commercial trucking operations in Miami, Florida. Their options address the distinct financial risks associated with serving Florida’s high-volume freight corridors, including cargo loss and roadside liability. They structure policies to comply with federal and state mandates for owner-operators and small fleets. Service appointments, whether for initial binding or policy adjustments, are arranged on an as-needed basis.
Serving Miami, Florida, and the surrounding communities, Juan F Colao - State Farm Insurance Agent covers truck insurance needs for commercial vehicles. This agency handles policies for owner-operators and small fleets, addressing liability and cargo coverage. The general approach to each job involves assessing risk profiles and matching them with appropriate insurance options from State Farm. Policies are tailored to meet the specific operational demands of trucking in the Miami area, with a focus on protecting assets on the road.
Univista Insurance specializes in commercial truck insurance policies, including liability and cargo coverage in Miami, Florida. The agency also provides personal auto and home insurance services to local drivers and property owners. Clients receive assistance navigating coverage requirements for regional freight operations and fleet management. The team helps with claims support and policy adjustments as transportation regulations change. During South Florida's hurricane season, the agency helps trucking businesses review coverage for storm-related cargo delays and vehicle damage.
What Does a a Truck Insurance Agent in Miami Cost?
Truck insurance costs in Florida typically range from 5,000 to 15,000 per year for a single truck with basic liability. Full coverage with cargo and physical damage can cost 10,000 to 25,000 annually. Rates vary based on driving record, cargo type, and annual mileage. This is general information, not insurance advice.
About truck insurance agents in Miami
Truck insurance agents in Miami help owner-operators and fleet companies meet Florida financial responsibility laws. Florida requires minimum liability coverage of 50,000 per person and 100,000 per accident for intrastate trucks. Agents also assist with cargo insurance and physical damage coverage for trucks operating in South Florida.
Frequently Asked Questions
What are the minimum insurance requirements for a truck in Miami Florida?
For intrastate trucks in Florida, you need at least 50,000 in bodily injury liability per person and 100,000 per accident. You also need 25,000 for property damage. Interstate trucks must follow federal FMCSA minimums which are higher.
Do I need a specific license to sell truck insurance in Florida?
Yes, truck insurance agents in Florida must hold a valid 2-20 General Lines Agent license from the Florida Department of Financial Services. This license allows them to sell commercial auto and truck policies.
How does Miami traffic affect my truck insurance premium?
Miami has high traffic density and accident rates, which can increase premiums. Insurers consider the port area and I-95 corridor as higher risk zones. Agents can help you find coverage that accounts for these local factors.
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