Compare Miami Gardens, FL Car Insurance Rates (2021)

Car insurance in Miami Gardens, FL averages $581 a month. Miami Gardens, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Miami Gardens car insurance rates, compare quotes from the top car insurance companies in Miami Gardens, 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

  • The cheapest ZIP code in Miami Gardens is 33056
  • The cheapest car insurance company in Miami Gardens for teen drivers is GEICO
  • Average car insurance rates in Miami Gardens, FL after a DUI are $8,334/year

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

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

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

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

How do age, gender, and marital status affect Miami Gardens, FL car insurance rates? Every Miami Gardens, 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 Gardens, 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 $6,999 $6,472 $5,979 $5,951 $22,761 $24,051 $6,594 $6,531
GEICO $3,617 $3,631 $3,379 $3,379 $6,552 $8,229 $3,994 $4,046
Liberty Mutual $5,605 $5,605 $5,115 $5,115 $12,131 $18,822 $5,605 $7,681
Nationwide $4,946 $4,855 $4,379 $4,544 $11,895 $14,588 $5,436 $5,622
Progressive $5,483 $5,202 $4,618 $4,964 $15,159 $16,415 $6,742 $6,384
State Farm $3,765 $3,765 $3,374 $3,374 $10,102 $12,395 $4,200 $4,361
USAA $2,579 $2,542 $2,394 $2,388 $8,937 $10,399 $3,262 $3,546

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Minimum Car Insurance in Miami Gardens, FL

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

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

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

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

Insurance Company Poor Fair Good
Allstate $15,178 $9,371 $7,454
GEICO $6,764 $4,043 $3,004
Liberty Mutual $10,650 $7,747 $6,233
Nationwide $8,942 $6,416 $5,742
Progressive $10,656 $7,520 $6,186
State Farm $7,832 $5,060 $4,109
USAA $7,378 $3,566 $2,573

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

Annual Miami Gardens, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,227 $11,148 $12,108 $10,187
GEICO $3,167 $4,084 $6,143 $5,020
Liberty Mutual $5,955 $7,703 $11,095 $8,086
Nationwide $5,978 $6,591 $8,909 $6,654
Progressive $6,400 $9,477 $7,999 $8,607
State Farm $5,162 $6,172 $5,667 $5,667
USAA $3,540 $4,358 $6,417 $3,709

Cheapest Miami Gardens, FL Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,761 $24,051
GEICO $6,552 $8,229
Liberty Mutual $12,131 $18,822
Nationwide $11,895 $14,588
Progressive $15,159 $16,415
State Farm $10,102 $12,395
USAA $8,937 $10,399

Cheapest Miami Gardens, FL Car Insurance for Seniors

Take a look at Miami Gardens, 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 Gardens, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,979 $5,951
GEICO $3,379 $3,379
Liberty Mutual $5,115 $5,115
Nationwide $4,379 $4,544
Progressive $4,618 $4,964
State Farm $3,374 $3,374
USAA $2,394 $2,388

Cheapest Miami Gardens, FL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,108
GEICO $6,143
Liberty Mutual $11,095
Nationwide $8,909
Progressive $7,999
State Farm $5,667
USAA $6,417

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Cheapest Miami Gardens, FL Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,365 $10,970
GEICO $4,581 $4,626
Liberty Mutual $7,936 $8,483
Nationwide $7,033 $7,033
Progressive $8,121 $8,121
State Farm $5,441 $5,893
USAA $4,454 $4,558

Cheapest Miami Gardens, FL Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
33054 $5,432
33055 $5,251
33056 $5,247

The Best Cheap Car Insurance Companies in Miami Gardens, FL

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

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

Insurance Company Average Annual Rates
Allstate $10,667
GEICO $4,603
Liberty Mutual $8,210
Nationwide $7,033
Progressive $8,121
State Farm $5,667
USAA $4,506

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Category Winners: Cheapest Car Insurance in Miami Gardens, Florida

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

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

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

Cheapest Miami Gardens, FL Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $8,216 $11,227 $12,559
GEICO $3,877 $4,750 $5,184
Liberty Mutual $7,575 $8,361 $8,694
Nationwide $5,665 $7,291 $8,143
Progressive $6,972 $8,285 $9,105
State Farm $5,058 $5,767 $6,176
USAA $3,828 $4,686 $5,004

What affects car insurance rates in Miami Gardens, Florida?

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

Car Theft in Miami Gardens

High levels of vehicle theft can make car insurance more expensive. Miami Gardens, FL car theft statistics from the FBI indicate 466 vehicle thefts a year.

Commute Time in Miami Gardens

The more time you spend in your car the higher the risk of an accident. The average commute length in Miami Gardens, FL is 32.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Miami Gardens, FL

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

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Average Monthly Car Insurance Rates by State