Miami Car Insurance - Florida

Enter your zip code below to view companies that have cheap auto insurance rates.

Is car insurance expensive in Miami?

A Miami car insurance rate is not necessarily expensive. It all depends on the location, type of car being insured, driving record, and other factors that will affect the cost of coverage. Depending on these factors, rates for car insurance in Miami can be cheaper or more expensive than in other cities.

How much is Florida car insurance monthly?

Starting in 2009, the cheap car insurance option is no longer available in Florida. Essentially all drivers are now required to have $10,000 of Personal Injury Protection (PIP) coverage which will pay for their own health care bills regardless of who is at fault in an accident. This requirement means that everyone has higher costs when it comes to car insurance.

Why is insurance so high in Miami?

The reason rests with the city's unique system of charging fees that provide extra cash for affordable housing and transportation projects. The City of Miami collects millions from developers whose projects get approved by the city's planning director.

Miami Car Insurance - FloridaMiami Car Insurance - Florida

Miami Cheapest Companies

Cheapest Companies
Quotes
Liberty Mutual
$318/mo
State Farm
$398/mo
Direct Auto
$463/mo
Travelers
$536/mo
Mercury
$568/mo

Around Cities

Florida Cities
Jacksonville$212/mo
Tampa$485/mo
Orlando$237/mo
Hialeah$540/mo
Miami$456/mo
Florida$381/mo

Miami Best Companies

Best Companies
Score ?
Quotes ?
American Family
89
$578/mo
Safeco
86
$421/mo
Liberty Mutual
82
$478/mo
Mercury
81
$449/mo
Travelers
80
$409/mo

Miami Drivers by Age

Driver Age
Avg. Monthly Cost
teens$925
20s$498
30s$421
40s$442
50s$385
60s$361
70s$352
80s$373

Driving History

Driving History
Avg. Monthly Cost
No Violation$433
Speeding Ticket$471
At-Fault Accident$552
Failure to Stop for Red Light / Stop Sign$464

Miami Scores

Credit Tie
Avg. Monthly Cost
Excellent$390
Good$438
Average$457
Poor$500

Miami Ratings

Cities with Most DUIs Rank#82
Cities with Most Moving Violations Rank#143
Most Popular Car in stateToyota Corolla
Cities with Most Speeding Tickets Rank#133
Cities with Most Suspended Licenses Rank#71

Averages

Miami Average (annual)Florida AverageNational Average
$3063$2326$1543

Group by Genders

Marital Status/GenderAverage Yearly Rate
Female$3161
Male$3113
Single$2995
Married$2965
Divorced$3117
Widowed$3035

Violations

Violation/IncidentAverage Annual Rate
DUI/DWI$4460
Reckless Driving$4642
$1014$4326
$2025$4265
Speeding Ticket (16-20 mph over speed limit)$3881

Miami Info

Major HighwaysI-95,SR 826,SR 878
Public TransitMetrorail,Metrobus,
Toll RoadsSR 112,SR 836,SR 821

Miami Zipcodes

  • 33101
  • 33102
  • 33106
  • 33107
  • 33110
  • 33111
  • 33112
  • 33116
  • 33121
  • 33122
  • 33124
  • 33125
  • 33126
  • 33127
  • 33128
  • 33129
  • 33130
  • 33131
  • 33132
  • 33133
  • 33134
  • 33135
  • 33136
  • 33137
  • 33138
  • 33142
  • 33143
  • 33144
  • 33145
  • 33146
  • 33147
  • 33148
  • 33150
  • 33151
  • 33152
  • 33153
  • 33155
  • 33156
  • 33157
  • 33158
  • 33159
  • 33161
  • 33162
  • 33163
  • 33164
  • 33165
  • 33166
  • 33167
  • 33168
  • 33169
  • 33170
  • 33172
  • 33173
  • 33174
  • 33175
  • 33176
  • 33177
  • 33178
  • 33179
  • 33180
  • 33181
  • 33182
  • 33183
  • 33184
  • 33185
  • 33186
  • 33187
  • 33188
  • 33189
  • 33190
  • 33193
  • 33194
  • 33195
  • 33196
  • 33197
  • 33199
  • 33206
  • 33222
  • 33231
  • 33233
  • 33234
  • 33238
  • 33242
  • 33243
  • 33245
  • 33247
  • 33255
  • 33256
  • 33257
  • 33261
  • 33265
  • 33266
  • 33269
  • 33280
  • 33283
  • 33296
  • 33299

Other cities of same state

Other cities from different states

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $81
5-yr Claim Free $86
Paid in Full/EFT $47
Advance Quote $66
Online Quote $94

Compare Rates and Save

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Discounts are estimated and may not be available from every company or in every state.

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