Miami Gardens Car Insurance - Florida
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How much does car insurance cost in Miami?
The most current data from the National Association of Insurance Commissioners (NAIC) shows that in Miami, drivers paid an average annual premium of $1,851 for their car insurance policies u2013 about 9% less than the national average. While we can't speak directly to how much you'll pay for your particular policy and coverage limits, we can point out some factors that may impact your rates:
How much is Florida car insurance monthly?
State minimum car insurance Florida - $10,500/$20,000 Bodily Injury Liability/$10,500 Property Damage Liability.
Is car insurance expensive in Miami?
''It depends on the driver, their age, and how many accidents they have had in the past,'' says Miami car insurance agent Larry Lasky. ''Generally speaking, insurance can vary greatly in Florida.''
Why is Miami insurance so expensive?
The answer to why Miami insurance is so expensive may shock you. You probably think it's because of the higher risk of theft, hurricane damage, or vandalism in Miami, but you would be wrong! The fact is, if you have had your home broken into twice in ten years and have not filed a claim on your homeowner's policy for damages over $5000, then the chances are that your insurer will rate you based on their normal standards for pricing insurance premiums.
Miami Gardens Best Companies
| Insurance Company | Average Annual Rate |
| GEICO | $2368 |
| State Farm | $2956 |
| Progressive | $4149 |
| Allstate | $4162 |
Age Group
| Age | Average Annual Rate |
| Teenagers | $8628 |
| 20s | $3909 |
| 30s | $3067 |
| 40s | $3000 |
| 50s | $2772 |
| 60s | $2843 |
| 70s | $3450 |
Credit Scores
| Credit Score | Average Rate (annual) |
| Very Poor | $6260 |
| Fair | $3811 |
| Good | $3080 |
| Very Good | $2741 |
| Exceptional | $2424 |
Averages
| Miami Gardens Average (yearly) | Florida Average | U.S. Average |
| $3071 | $2317 | $1566 |
Group by Genders
| Marital Status/Gender | Average Yearly Rate |
| Female | $3149 |
| Male | $3070 |
| Single | $2940 |
| Married | $2957 |
| Divorced | $3065 |
| Widowed | $3042 |
Violations
| Incident/Violation | Average Yearly Rate |
| DUI/DWI | $4480 |
| Reckless Driving | $4588 |
| $1010 | $4255 |
| $1992 | $4233 |
| Speeding Ticket (16-20 mph over speed limit) | $3847 |
Miami Gardens Zipcodes
- 33056
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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.
