Compare Miramar Beach, FL Car Insurance Rates (2021)

Car insurance in Miramar Beach, FL averages $300 a month. Miramar Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Miramar Beach car insurance rates, compare quotes from the top car insurance companies in Miramar 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

  • The cheapest car insurance company in Miramar Beach is USAA
  • The cheapest car insurance company in Miramar Beach for teen drivers is USAA
  • Average car insurance rates in Miramar Beach, FL are $3,597/year

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

You’ll find Miramar Beach car insurance rates, the cheapest Miramar Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Miramar Beach, Florida car insurance rates to Hialeah car insurance rates, Cape Coral car insurance rates, and Tallahassee car insurance rates.

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

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

How do age, gender, and marital status affect Miramar Beach, FL car insurance rates? Every Miramar 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 Miramar 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 $3,676 $3,548 $3,198 $3,271 $12,757 $13,874 $3,778 $3,870
GEICO $2,286 $2,299 $2,138 $2,138 $4,090 $5,166 $2,523 $2,571
Liberty Mutual $2,968 $2,968 $2,725 $2,725 $6,197 $9,506 $2,968 $3,993
Nationwide $2,269 $2,254 $2,028 $2,105 $5,349 $6,638 $2,497 $2,618
Progressive $2,839 $2,701 $2,466 $2,633 $7,957 $8,766 $3,422 $3,357
State Farm $1,624 $1,624 $1,472 $1,472 $4,615 $5,910 $1,791 $1,936
USAA $1,169 $1,153 $1,084 $1,083 $3,837 $4,491 $1,464 $1,589

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Minimum Car Insurance in Miramar Beach, FL

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,309 $5,321 $4,360
GEICO $4,214 $2,561 $1,930
Liberty Mutual $5,464 $4,027 $3,278
Nationwide $4,015 $2,960 $2,684
Progressive $5,557 $3,944 $3,302
State Farm $3,449 $2,305 $1,913
USAA $3,217 $1,579 $1,155

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

Annual Miramar Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,177 $6,164 $6,896 $5,750
GEICO $2,031 $2,587 $3,835 $3,154
Liberty Mutual $3,151 $4,009 $5,670 $4,196
Nationwide $2,778 $3,025 $4,011 $3,065
Progressive $3,385 $4,977 $4,186 $4,523
State Farm $2,347 $2,764 $2,556 $2,556
USAA $1,571 $1,918 $2,802 $1,643

Cheapest Miramar Beach, FL Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,757 $13,874
GEICO $4,090 $5,166
Liberty Mutual $6,197 $9,506
Nationwide $5,349 $6,638
Progressive $7,957 $8,766
State Farm $4,615 $5,910
USAA $3,837 $4,491

Cheapest Miramar Beach, FL Car Insurance for Seniors

Take a look at Miramar 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 Miramar Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,198 $3,271
GEICO $2,138 $2,138
Liberty Mutual $2,725 $2,725
Nationwide $2,028 $2,105
Progressive $2,466 $2,633
State Farm $1,472 $1,472
USAA $1,084 $1,083

Cheapest Miramar Beach, FL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,896
GEICO $3,835
Liberty Mutual $5,670
Nationwide $4,011
Progressive $4,186
State Farm $2,556
USAA $2,802

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Cheapest Miramar Beach, FL Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,822 $6,171
GEICO $2,887 $2,916
Liberty Mutual $4,121 $4,391
Nationwide $3,220 $3,220
Progressive $4,268 $4,268
State Farm $2,473 $2,638
USAA $1,961 $2,006

The Best Cheap Car Insurance Companies in Miramar Beach, FL

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

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

Insurance Company Average Annual Rates
Allstate $5,997
GEICO $2,902
Liberty Mutual $4,256
Nationwide $3,220
Progressive $4,268
State Farm $2,556
USAA $1,984

Category Winners: Cheapest Car Insurance in Miramar Beach, Florida

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

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

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

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Cheapest Miramar Beach, FL Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,884 $6,248 $6,858
GEICO $2,482 $2,984 $3,238
Liberty Mutual $3,941 $4,315 $4,512
Nationwide $2,603 $3,337 $3,719
Progressive $3,729 $4,348 $4,726
State Farm $2,202 $2,610 $2,856
USAA $1,754 $2,043 $2,154

What affects car insurance rates in Miramar Beach, Florida?

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

Commute Time in Miramar Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Miramar Beach, FL is 21.7 minutes according to City-Data.

Compare Car Insurance Quotes in Miramar Beach, FL

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

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Average Monthly Car Insurance Rates by State