Compare Miami, IN Car Insurance Rates (2021)

Car insurance in Miami, IN averages $275 a month. Miami, Indiana car insurance requirements are 25/50/25, 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, IN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Miami, IN after a DUI are $3,903/year
  • The cheapest car insurance company in Miami for teen drivers is USAA
  • The cheapest car insurance company in Miami is USAA

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

You’ll find Miami car insurance rates, the cheapest Miami, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Miami, Indiana car insurance rates to Fort Wayne car insurance rates, Indianapolis car insurance rates, and Bloomington car insurance rates.

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

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

How do age, gender, and marital status affect Miami, IN car insurance rates? Every Miami, Indiana 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, Indiana

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 $2,707 $2,781 $2,365 $2,591 $8,204 $10,327 $2,766 $3,012
American Family $2,207 $2,207 $1,982 $1,982 $6,087 $8,808 $2,207 $2,702
Farmers $1,599 $1,581 $1,367 $1,534 $8,563 $9,149 $2,108 $2,278
GEICO $1,335 $1,331 $1,253 $1,299 $3,918 $3,642 $1,527 $1,347
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,630 $1,668 $1,428 $1,526 $4,739 $6,162 $1,910 $2,091
Progressive $1,645 $1,556 $1,487 $1,500 $9,619 $10,800 $2,061 $2,104
State Farm $1,417 $1,417 $1,258 $1,258 $4,224 $5,421 $1,565 $1,739
Travelers $1,258 $1,280 $1,177 $1,177 $7,775 $12,289 $1,330 $1,542
USAA $986 $973 $916 $926 $2,721 $3,047 $1,335 $1,432

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Miami, IN

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

Minimum Required Car Insurance Coverage in Miami, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Miami, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Miami, IN. 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, Indiana

Insurance Company Poor Fair Good
Allstate $5,401 $4,001 $3,631
American Family $4,820 $3,129 $2,619
Farmers $4,107 $3,354 $3,106
GEICO $2,351 $1,956 $1,562
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $3,010 $2,544 $2,379
Progressive $4,243 $3,756 $3,540
State Farm $3,333 $1,988 $1,541
Travelers $3,874 $3,282 $3,280
USAA $2,079 $1,372 $1,175

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

Annual Miami, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,472 $5,091 $4,689 $4,125
American Family $2,427 $3,874 $4,898 $2,891
Farmers $3,149 $3,680 $3,783 $3,477
GEICO $1,287 $2,018 $2,739 $1,781
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,273 $2,932 $2,811 $2,561
Progressive $2,891 $5,038 $3,448 $4,009
State Farm $2,235 $2,445 $2,235 $2,235
Travelers $2,955 $3,652 $4,138 $3,170
USAA $1,166 $1,656 $1,899 $1,446

Cheapest Miami, IN Car Insurance for Teen Drivers

Teen car insurance in Miami, IN 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, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,204 $10,327
American Family $6,087 $8,808
Farmers $8,563 $9,149
GEICO $3,918 $3,642
Liberty Mutual $8,754 $13,230
Nationwide $4,739 $6,162
Progressive $9,619 $10,800
State Farm $4,224 $5,421
Travelers $7,775 $12,289
USAA $2,721 $3,047

Cheapest Miami, IN Car Insurance for Seniors

Take a look at Miami, IN 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, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,365 $2,591
American Family $1,982 $1,982
Farmers $1,367 $1,534
GEICO $1,253 $1,299
Liberty Mutual $3,662 $3,662
Nationwide $1,428 $1,526
Progressive $1,487 $1,500
State Farm $1,258 $1,258
Travelers $1,177 $1,177
USAA $916 $926

Cheapest Miami, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Miami, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,689
American Family $4,898
Farmers $3,783
GEICO $2,739
Liberty Mutual $8,386
Nationwide $2,811
Progressive $3,448
State Farm $2,235
Travelers $4,138
USAA $1,899

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Miami, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Miami, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,344 $4,344
American Family $3,480 $3,566
Farmers $3,522 $3,522
GEICO $1,922 $1,991
Liberty Mutual $5,687 $5,998
Nationwide $2,644 $2,644
Progressive $3,846 $3,846
State Farm $2,222 $2,352
Travelers $3,478 $3,478
USAA $1,521 $1,563

The Best Cheap Car Insurance Companies in Miami, IN

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

Average Annual Car Insurance Rates by Company in Miami, Indiana

Insurance Company Average Annual Rates
Allstate $4,344
American Family $3,523
Farmers $3,522
GEICO $1,956
Liberty Mutual $5,842
Nationwide $2,644
Progressive $3,846
State Farm $2,287
Travelers $3,478
USAA $1,542

Category Winners: Cheapest Car Insurance in Miami, Indiana

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

Best Annual Car Insurance Rates by Company in Miami, Indiana

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Miami, IN 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, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Miami, Indiana

Insurance Company Low Medium High
Allstate $4,150 $4,329 $4,554
American Family $3,477 $3,639 $3,452
Farmers $3,409 $3,517 $3,641
GEICO $1,833 $1,951 $2,086
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $2,690 $2,623 $2,619
Progressive $3,660 $3,794 $4,086
State Farm $2,182 $2,286 $2,393
Travelers $3,414 $3,511 $3,511
USAA $1,488 $1,538 $1,600

What affects car insurance rates in Miami, Indiana?

What factors can have an impact on Miami, IN 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, Indiana.

Traffic in Miami

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

Compare Car Insurance Quotes in Miami, IN

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State