Quick Answer
How much does nemt insurance cost in Miami?
Miami nemt insurance typically runs $7,500–$12,500/vehicle/yr per vehicle per year for the state-required minimum. Key factors include driver MVRs, vehicle type, Medicaid broker requirements, and loss history. Same-day COIs are available after binding.
Miami Market Overview
- 850,000+ Medicaid members in Miami-Dade County
- Florida requires PIP ($10K) and PDL ($10K) on all vehicles in addition to liability
- Sunshine Health, Molina, and Humana are major SMMC plans in South Florida
- Hurricane exposure requires comprehensive coverage planning
Coverage Options — Miami
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M CSL + $10K PIP + $10K PDL (Florida no-fault) | $1M | $2M+ umbrella |
| General Liability | $1M | $1M | $2M |
| Abuse & Molestation | Required | Required | Required |
| Workers' Comp | If employees | Required | Required |
| Hired & Non-Owned | Recommended | $1M | $1M |
| Physical Damage | Optional | ACV | Stated value |
Approved Brokers We Work With in Miami
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Miami Service Area
Frequently Asked Questions
What does Florida PIP mean for Miami NEMT insurance?+
Florida requires all vehicles to carry $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL) as a no-fault baseline. This is in addition to the $1M commercial auto liability required by SMMC plans. Your NEMT policy bundles all of these together.
Do I need hurricane coverage for my NEMT fleet in Miami?+
Yes — Miami faces significant hurricane exposure. Comprehensive physical damage with windstorm endorsement is essential. AHCA also requires a written hurricane preparedness plan for NEMT operators.
Which SMMC plans do I need additional insured endorsements for in Miami?+
The main South Florida SMMC plans are Sunshine Health, Molina Healthcare FL, Simply Healthcare, and Humana. We issue COIs naming each plan simultaneously on the same business day you bind.