Compare Miami Beach, FL Car Insurance Rates (2021)

Car insurance in Miami Beach, FL averages $526 a month. Miami Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Miami Beach car insurance rates, compare quotes from the top car insurance companies in Miami Beach, 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 Miami Beach, FL after a DUI are $7,607/year
  • The cheapest ZIP code in Miami Beach is 33140
  • The cheapest car insurance company in Miami Beach is USAA

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

You’ll find Miami Beach car insurance rates, the cheapest Miami Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Miami Beach, Florida car insurance rates to St. Petersburg car insurance rates, Port St. Lucie car insurance rates, and Tampa car insurance rates.

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

Cheapest Miami Beach, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Miami Beach, FL car insurance rates? Every Miami Beach, 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 Miami Beach, 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 $5,897 $5,511 $5,059 $5,076 $19,686 $20,944 $5,710 $5,712
GEICO $4,116 $4,143 $3,842 $3,842 $7,433 $9,429 $4,554 $4,651
Liberty Mutual $5,252 $5,252 $4,800 $4,800 $11,262 $17,426 $5,252 $7,167
Nationwide $4,473 $4,415 $3,958 $4,117 $10,798 $13,357 $4,932 $5,141
Progressive $4,676 $4,421 $3,970 $4,263 $13,201 $14,364 $5,704 $5,436
State Farm $2,918 $2,918 $2,627 $2,627 $8,063 $10,227 $3,243 $3,442
USAA $2,421 $2,391 $2,236 $2,238 $8,259 $9,667 $3,065 $3,342

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Minimum Car Insurance in Miami Beach, FL

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

Minimum Required Car Insurance Coverage in Miami Beach, 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 Miami Beach, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Miami Beach, Florida

Insurance Company Poor Fair Good
Allstate $12,945 $8,122 $6,531
GEICO $7,660 $4,626 $3,467
Liberty Mutual $9,899 $7,225 $5,830
Nationwide $8,097 $5,846 $5,253
Progressive $9,138 $6,492 $5,382
State Farm $6,186 $4,037 $3,301
USAA $6,885 $3,322 $2,400

Cheapest Miami Beach, 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 Miami Beach, FL to rates for a clean record with top companies.

Annual Miami Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,939 $9,558 $10,506 $8,795
GEICO $3,654 $4,674 $6,962 $5,714
Liberty Mutual $5,542 $7,175 $10,352 $7,535
Nationwide $5,461 $5,999 $8,070 $6,065
Progressive $5,504 $8,195 $6,889 $7,430
State Farm $4,117 $4,899 $4,508 $4,508
USAA $3,315 $4,063 $5,961 $3,470

Cheapest Miami Beach, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Miami Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,686 $20,944
GEICO $7,433 $9,429
Liberty Mutual $11,262 $17,426
Nationwide $10,798 $13,357
Progressive $13,201 $14,364
State Farm $8,063 $10,227
USAA $8,259 $9,667

Cheapest Miami Beach, FL Car Insurance for Seniors

Take a look at Miami Beach, 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 Miami Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,059 $5,076
GEICO $3,842 $3,842
Liberty Mutual $4,800 $4,800
Nationwide $3,958 $4,117
Progressive $3,970 $4,263
State Farm $2,627 $2,627
USAA $2,236 $2,238

Cheapest Miami Beach, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Miami Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,506
GEICO $6,962
Liberty Mutual $10,352
Nationwide $8,070
Progressive $6,889
State Farm $4,508
USAA $5,961

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Cheapest Miami Beach, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Miami Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,936 $9,463
GEICO $5,224 $5,278
Liberty Mutual $7,399 $7,903
Nationwide $6,399 $6,399
Progressive $7,004 $7,004
State Farm $4,344 $4,672
USAA $4,154 $4,251

Cheapest Miami Beach, FL Car Insurance Rates by ZIP Code

Miami Beach car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Miami Beach, FL.

Annual Car Insurance Rates by ZIP Code in Miami Beach, Florida

ZIP Code Average Annual Rates
33140 $4,830
33141 $4,845

The Best Cheap Car Insurance Companies in Miami Beach, FL

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

Average Annual Car Insurance Rates by Company in Miami Beach, Florida

Insurance Company Average Annual Rates
Allstate $9,199
GEICO $5,251
Liberty Mutual $7,651
Nationwide $6,399
Progressive $7,004
State Farm $4,508
USAA $4,202

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Category Winners: Cheapest Car Insurance in Miami Beach, Florida

Find the cheapest car insurance companies in Miami Beach, FL for each category right here.

Best Annual Car Insurance Rates by Company in Miami Beach, Florida

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

Cheapest Miami Beach, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Miami Beach, Florida

Insurance Company Low Medium High
Allstate $7,354 $9,616 $10,627
GEICO $4,443 $5,420 $5,891
Liberty Mutual $7,079 $7,852 $8,022
Nationwide $5,123 $6,639 $7,434
Progressive $5,966 $7,154 $7,893
State Farm $3,930 $4,601 $4,992
USAA $3,607 $4,359 $4,640

What affects car insurance rates in Miami Beach, Florida?

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

Car Theft in Miami Beach

High levels of vehicle theft can make car insurance more expensive. Miami Beach, FL car theft statistics from the FBI indicate 399 vehicle thefts a year.

Commute Time in Miami Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Miami Beach, FL is 27.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Miami Beach, FL

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

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Average Monthly Car Insurance Rates by State