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 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 state | Toyota Corolla |
| Cities with Most Speeding Tickets Rank | #133 |
| Cities with Most Suspended Licenses Rank | #71 |
Averages
| Miami Average (annual) | Florida Average | National Average |
| $3063 | $2326 | $1543 |
Group by Genders
| Marital Status/Gender | Average Yearly Rate |
| Female | $3161 |
| Male | $3113 |
| Single | $2995 |
| Married | $2965 |
| Divorced | $3117 |
| Widowed | $3035 |
Violations
| Violation/Incident | Average Annual Rate |
| DUI/DWI | $4460 |
| Reckless Driving | $4642 |
| $1014 | $4326 |
| $2025 | $4265 |
| Speeding Ticket (16-20 mph over speed limit) | $3881 |
Miami Info
| Major Highways | I-95,SR 826,SR 878 |
| Public Transit | Metrorail,Metrobus, |
| Toll Roads | SR 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 |
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Discounts are estimated and may not be available from every company or in every state.
