Compare Key Biscayne, FL Car Insurance Rates (2021)

Car insurance in Key Biscayne, FL averages $557 a month. Key Biscayne, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Key Biscayne car insurance rates, compare quotes from the top car insurance companies in Key Biscayne, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Key Biscayne, FL after a DUI are $8,110/year
  • The cheapest car insurance company in Key Biscayne for teen drivers is GEICO
  • Average car insurance rates in Key Biscayne, FL are $6,684/year

If you need to buy Key Biscayne, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Key Biscayne, FL is right here.

You’ll find Key Biscayne car insurance rates, the cheapest Key Biscayne, FL car insurance companies, and information on Florida car insurance laws. You can also compare Key Biscayne, Florida car insurance rates to Fort Lauderdale car insurance rates, Port St. Lucie car insurance rates, and Miami car insurance rates.

Ready to find affordable Key Biscayne, FL car insurance today? Enter your ZIP code for fast, free Key Biscayne car insurance quotes.

Cheapest Key Biscayne, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Key Biscayne, FL car insurance rates? Every Key Biscayne, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Key Biscayne, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $6,394 $6,068 $5,541 $5,613 $22,569 $24,399 $6,279 $6,342
GEICO $3,617 $3,631 $3,379 $3,379 $6,552 $8,229 $3,994 $4,046
Liberty Mutual $6,419 $6,419 $5,847 $5,847 $14,029 $21,831 $6,419 $8,845
Nationwide $4,946 $4,855 $4,379 $4,544 $11,895 $14,588 $5,436 $5,622
Progressive $4,606 $4,355 $3,916 $4,205 $13,067 $14,250 $5,620 $5,373
State Farm $2,805 $2,805 $2,530 $2,530 $7,743 $9,806 $3,118 $3,303
USAA $2,336 $2,308 $2,151 $2,158 $7,894 $9,260 $2,959 $3,230

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Minimum Car Insurance in Key Biscayne, FL

Every driver must carry the minimum car insurance in Key Biscayne, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Key Biscayne, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Key Biscayne, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Key Biscayne, FL. Compare credit history car insurance rates in Key Biscayne from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Key Biscayne, Florida

Insurance Company Poor Fair Good
Allstate $14,583 $9,196 $7,422
GEICO $6,764 $4,043 $3,004
Liberty Mutual $12,305 $8,916 $7,150
Nationwide $8,942 $6,416 $5,742
Progressive $9,021 $6,421 $5,331
State Farm $5,947 $3,876 $3,167
USAA $6,624 $3,186 $2,301

Cheapest Key Biscayne, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Key Biscayne, FL to rates for a clean record with top companies.

Annual Key Biscayne, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,922 $10,776 $11,968 $9,937
GEICO $3,167 $4,084 $6,143 $5,020
Liberty Mutual $6,772 $8,849 $12,899 $9,309
Nationwide $5,978 $6,591 $8,909 $6,654
Progressive $5,443 $8,101 $6,807 $7,344
State Farm $3,953 $4,707 $4,330 $4,330
USAA $3,193 $3,904 $5,711 $3,340

Cheapest Key Biscayne, FL Car Insurance for Teen Drivers

Teen car insurance in Key Biscayne, FL can be expensive. Take a look at rates from the top car insurance companies in Key Biscayne for teenagers.

Annual Car Insurance Rates for Teen Drivers in Key Biscayne, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,569 $24,399
GEICO $6,552 $8,229
Liberty Mutual $14,029 $21,831
Nationwide $11,895 $14,588
Progressive $13,067 $14,250
State Farm $7,743 $9,806
USAA $7,894 $9,260

Cheapest Key Biscayne, FL Car Insurance for Seniors

Take a look at Key Biscayne, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Key Biscayne, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,541 $5,613
GEICO $3,379 $3,379
Liberty Mutual $5,847 $5,847
Nationwide $4,379 $4,544
Progressive $3,916 $4,205
State Farm $2,530 $2,530
USAA $2,151 $2,158

Cheapest Key Biscayne, FL Car Insurance Rates After a DUI

A DUI in Key Biscayne, FL increases car insurance rates. Compare Key Biscayne, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Key Biscayne, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,968
GEICO $6,143
Liberty Mutual $12,899
Nationwide $8,909
Progressive $6,807
State Farm $4,330
USAA $5,711

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Cheapest Key Biscayne, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Key Biscayne, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Key Biscayne, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,104 $10,697
GEICO $4,581 $4,626
Liberty Mutual $9,138 $9,776
Nationwide $7,033 $7,033
Progressive $6,924 $6,924
State Farm $4,173 $4,488
USAA $3,990 $4,084

The Best Cheap Car Insurance Companies in Key Biscayne, FL

Take a look at a side-by-side comparison of the top car insurance companies in Key Biscayne, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Key Biscayne, Florida

Insurance Company Average Annual Rates
Allstate $10,401
GEICO $4,603
Liberty Mutual $9,457
Nationwide $7,033
Progressive $6,924
State Farm $4,330
USAA $4,037

Category Winners: Cheapest Car Insurance in Key Biscayne, Florida

Find the cheapest car insurance companies in Key Biscayne, FL for each category right here.

Best Annual Car Insurance Rates by Company in Key Biscayne, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Key Biscayne, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Key Biscayne car insurance rates. Find the cheapest Key Biscayne, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Key Biscayne, Florida

Insurance Company Low Medium High
Allstate $7,949 $10,960 $12,293
GEICO $3,877 $4,750 $5,184
Liberty Mutual $8,817 $9,685 $9,870
Nationwide $5,665 $7,291 $8,143
Progressive $5,886 $7,074 $7,813
State Farm $3,764 $4,421 $4,805
USAA $3,493 $4,180 $4,438

What affects car insurance rates in Key Biscayne, Florida?

What factors can have an impact on Key Biscayne, FL car insurance? There are several reasons why Key Biscayne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Key Biscayne, Florida.

Car Theft in Key Biscayne

High levels of vehicle theft can make car insurance more expensive. Key Biscayne, FL car theft statistics from the FBI indicate 10 vehicle thefts a year.

Commute Time in Key Biscayne

The more time you spend in your car the higher the risk of an accident. The average commute length in Key Biscayne, FL is 26.4 minutes according to City-Data.

Compare Car Insurance Quotes in Key Biscayne, FL

Ready to find affordable Key Biscayne, Florida car insurance today? Enter your ZIP code for fast, free Key Biscayne, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State