Compare Miami, FL Car Insurance Rates (2021)

Car insurance in Miami, FL averages $590 a month. Miami, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Miami car insurance rates, compare quotes from the top car insurance companies in Miami, FL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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, FL after a DUI are $8,441/year
  • Average car insurance rates in Miami, FL are $7,078/year
  • The cheapest car insurance company in Miami is USAA

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

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

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

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

How do age, gender, and marital status affect Miami, FL car insurance rates? Every Miami, 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, 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 $7,757 $7,098 $6,567 $6,498 $24,491 $25,524 $7,243 $7,139
GEICO $3,617 $3,631 $3,379 $3,379 $6,552 $8,229 $3,994 $4,046
Liberty Mutual $5,915 $5,915 $5,394 $5,394 $12,853 $19,967 $5,915 $8,124
Nationwide $4,811 $4,729 $4,259 $4,422 $11,580 $14,233 $5,292 $5,484
Progressive $5,229 $4,963 $4,418 $4,744 $14,588 $15,820 $6,427 $6,100
State Farm $3,981 $3,981 $3,565 $3,565 $10,730 $13,180 $4,446 $4,612
USAA $2,352 $2,323 $2,171 $2,174 $8,002 $9,372 $2,978 $3,247

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Minimum Car Insurance in Miami, FL

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

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

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

Annual Car Insurance Rates by Credit Score in Miami, Florida

Insurance Company Poor Fair Good
Allstate $16,473 $10,123 $8,023
GEICO $6,764 $4,043 $3,004
Liberty Mutual $11,280 $8,192 $6,582
Nationwide $8,699 $6,253 $5,601
Progressive $10,197 $7,212 $5,949
State Farm $8,311 $5,361 $4,350
USAA $6,684 $3,221 $2,327

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

Annual Miami, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,008 $12,093 $13,040 $11,018
GEICO $3,167 $4,084 $6,143 $5,020
Liberty Mutual $6,264 $8,139 $11,784 $8,552
Nationwide $5,830 $6,421 $8,668 $6,485
Progressive $6,123 $9,098 $7,666 $8,256
State Farm $5,470 $6,545 $6,008 $6,008
USAA $3,218 $3,942 $5,781 $3,367

Cheapest Miami, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Miami, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $24,491 $25,524
GEICO $6,552 $8,229
Liberty Mutual $12,853 $19,967
Nationwide $11,580 $14,233
Progressive $14,588 $15,820
State Farm $10,730 $13,180
USAA $8,002 $9,372

Cheapest Miami, FL Car Insurance for Seniors

Take a look at Miami, 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, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $6,567 $6,498
GEICO $3,379 $3,379
Liberty Mutual $5,394 $5,394
Nationwide $4,259 $4,422
Progressive $4,418 $4,744
State Farm $3,565 $3,565
USAA $2,171 $2,174

Cheapest Miami, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Miami, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $13,040
GEICO $6,143
Liberty Mutual $11,784
Nationwide $8,668
Progressive $7,666
State Farm $6,008
USAA $5,781

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Cheapest Miami, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Miami, 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, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $11,212 $11,867
GEICO $4,581 $4,626
Liberty Mutual $8,394 $8,975
Nationwide $6,851 $6,851
Progressive $7,786 $7,786
State Farm $5,767 $6,248
USAA $4,030 $4,124

Cheapest Miami, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Miami, Florida

ZIP Code Average Annual Rates
33122 $5,421
33125 $5,785
33126 $5,533
33127 $5,718
33128 $5,629
33129 $5,306
33130 $5,775
33131 $5,191
33132 $5,246
33133 $5,281
33134 $5,305
33135 $5,785
33136 $5,775
33137 $5,179
33138 $5,108
33139 $4,580
33145 $5,526
33177 $5,245
33178 $5,005
33179 $5,237
33181 $5,133
33182 $5,229
33184 $5,424
33185 $5,127
33186 $5,037
33187 $5,095
33189 $5,159
33190 $5,234
33193 $5,166
33194 $5,326
33199 $5,443

The Best Cheap Car Insurance Companies in Miami, FL

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

Average Annual Car Insurance Rates by Company in Miami, Florida

Insurance Company Average Annual Rates
Allstate $11,540
GEICO $4,603
Liberty Mutual $8,685
Nationwide $6,851
Progressive $7,786
State Farm $6,008
USAA $4,077

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Category Winners: Cheapest Car Insurance in Miami, Florida

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

Best Annual Car Insurance Rates by Company in Miami, Florida

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

Cheapest Miami, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Miami, Florida

Insurance Company Low Medium High
Allstate $9,137 $12,088 $13,394
GEICO $3,877 $4,750 $5,184
Liberty Mutual $8,051 $8,866 $9,137
Nationwide $5,516 $7,103 $7,935
Progressive $6,683 $7,945 $8,730
State Farm $5,348 $6,118 $6,556
USAA $3,517 $4,225 $4,490

What affects car insurance rates in Miami, Florida?

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

Car Theft in Miami

High levels of vehicle theft can make car insurance more expensive. Miami, FL car theft statistics from the FBI indicate 1,644 vehicle thefts a year.

Commute Time in Miami

The more time you spend in your car the higher the risk of an accident. The average commute length in Miami, FL is 29.8 minutes according to City-Data.

Traffic in Miami

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Miami, FL traffic data from INRIX ranks Miami as the 60th-most congested in the world.

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Compare Car Insurance Quotes in Miami, FL

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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