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: Nov 16, 2020

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Here's what you should know...

  • Florida is a no-fault state so it has special insurance requirements
  • Miami drivers benefit from full coverage plans due to their increased risk of collision
  • Drivers in Miami pay an average of $2,838 annually in insurance premiums

Florida drivers in the Miami area needs to find car insurance that doesn’t just meet state requirements, but also protects them against the increased risk of accident posing in a city presents. With our free ZIP code search, we can compare the best Miami car insurance companies for you! When drivers in Miami have car collisions, the insurance companies don’t require that someone be found to be the cause of the accident before the people hurt in the car collision can receive payment for their injuries.

As a matter of fact, Miami car insurance companies don’t pay the medical bills at all for third party injuries.

The reason is that Florida is a no-fault state and drivers are required to purchase Personal Injury Protection (PIP) insurance.

Find PIP insurance available in Miami now using our FREE ZIP code search!

When car collisions occur in Miami, if there are any injuries to the drivers, these people will file claims with their own insurance companies for their PIP insurance coverage. PIP insurance covers medical expenses for a number of people:

  •  The policyholder is covered.
  •  Passengers of the policyholder’s car who were hurt in the collision are covered.
  •  Other drivers given special permission to drive the vehicle are covered.
  •  The policyholder(s) and their family members hurt while riding in someone else’s vehicle or walking on the streets also have coverage.

In order for residents of Miami to be able to pay for their own repairs, they will need to purchase their Florida car insurance with minimum liability coverage. PIP insurance must amount to at least $10,000 and property damage liability must also be at least $10,000.

Because lawsuits are not completely prohibited in Miami, drivers in this city also need to purchase limited amounts of liability coverage for bodily injuries. The other drivers’ PIP insurance will pay for their medical expenses up to the limits that these drivers set. In the event that these limits aren’t enough to cover the full recovery period, these drivers may be able to sue the other driver. Liability limits are $10,000 for bodily injuries to one person and $20,000 for bodily injuries to more than one person.

Average Miami Car Insurance Rates

Average Miami car insurance rates are extremely high.

The average for the country is $1,414, but in Miami, drivers pay a whopping $2,383 for the average insurance policy.

This is the biggest reason people have to ask for more than one Miami car insurance company for a quote.

After people have received their quotes and they choose the Miami car insurance companies that they would like to pursue for their auto insurance coverage, they must inquire about the several reasons these companies offer discounts to their clients. These discounts are what will bring the prices down considerably after people have received their auto insurance quotes.

Monthly Miami, FL Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Miami, FL auto insurance rates by ZIP Code below:

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Miami, FL Car Insurance Rates by Company vs. City Average

The cheapest Miami, FL car insurance providers can be found below. You also might be wondering, “How do those Miami, FL rates compare against the average Florida car insurance company rates?” We uncover that too.

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The Cheapest Miami, FL Car Insurance Rates by Credit Score

Your credit score will play a major role in your Miami, FL car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Miami, Florida car insurance costs by credit score below.

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Miami, FL Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Miami, FL against other top US metro areas’ auto insurance costs.

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The Cheapest Miami, FL Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Miami, FL car insurance costs. Find the cheapest Miami, Florida car insurance costs by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Miami, FL

Age is a significant factor for Miami, FL car insurance rates. Young drivers are often considered high-risk. This {CITY, STATE} does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Miami, FL.

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Miami, FL Car Insurance Rates by Company and Age

Miami, FL car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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The Cheapest Miami, FL Car Insurance Rates by Driving Record

Your driving record will affect your Miami, FL car insurance costs. For example, a Miami, Florida DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Miami, Florida car insurance costs by driving record.

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Factors Affecting Car Insurance Rates in Miami, FL

Controlling these risk factors will ensure you have the cheapest Miami, Florida car insurance. Factors affecting car insurance rates in Miami, FL may include your commute, coverage level, tickets, DUIs, and credit.

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Free Car Insurance Comparison

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

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Miami Car Insurance Laws

Drivers of four-wheel vehicles, as well as two-wheel vehicles (motorcycles and the like), are required to purchase the minimum liability coverage for Florida listed above. They must continue to have this coverage throughout the year.

Some people are only in Miami for part of the year. It is a popular place for those who live in the colder northern states, with their home state car insurance rates, to escape to take part in the warmer climate.

People such as these who will be in the state for at least 90 days have to meet the same car insurance requirements as those who live in the city full-time.

Bodily injury liability coverage is sometimes required for certain drivers in Miami. One of these groups that must be able to demonstrate that they have purchased this liability insurance is drivers in Miami who have not previously purchased this coverage who eventually cause an accident.

In Miami, drivers have PIP insurance to immediately pay for their medical expenses and their lost wages if they need to miss work. This eliminates the need for people to sue each other, but there are times when Miami drivers may initiate lawsuits and when they may not.

Drivers aren’t allowed to sue the at-fault driver for payment for their pain and suffering or for their emotional distress. On the other hand, lawsuits will be allowed under these circumstances:

  •  A death occurred due to the car collision.
  •  A loss of a body part resulted from the car crash.
  •  A permanent physical injury occurred because of the accident.

Miami Car Insurance Companies

When choosing from the best car insurance companies which provide coverage in Miami, drivers have to decide between nationally known companies and local Miami car insurance companies. People will often choose the bigger and better-known companies because they have a wider range of policies to offer their clients than local, smaller insurance companies.

In order to find out whether the larger car insurance companies offer more extensive coverage than local companies, Miami drivers only need to do a comparison quote search on this comparison website. They will be able to specify exactly the amount and types of car insurance coverage that they would like to purchase, and they will receive several quotes from many different Miami car insurance companies.

It’s a highly convenient way of finding the right amount of coverage and the right type of coverage, because Miami drivers don’t have to call each insurance company on their own or solicit a quote from each Miami car insurance company individually. The comparison website does everything at once and quickly returns the quotes to their clients in minutes.

Free Car Insurance Comparison

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

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Miami Car Insurance Agencies

Miami car insurance agencies are those independent agencies that represent a larger company. That is why Miami drivers can take advantage of purchasing their policies from a local branch of a nationally known car insurance company. These smaller agencies offer the same products that can be found anywhere in the country, even though they are owned and operated independently of each other.

Because these Miami car insurance agencies are independently owned and operated, there may be some differences between the quotes that will be offered to Miami drivers. Even though these Miami car insurance agencies will have the same name attached to them, Miami drivers still need to receive separate quotes from each one of them. For example, one Allstate agency may quote a price that is much different from another Allstate agency because they are, essentially, different businesses.

Free Car Insurance Comparison

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

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Miami Driving and Car Insurance Statistics

Male drivers, statistically, are causing most of the car collisions in Miami. They are slightly less than 50 percent of the population of Miami, 49.70 percent, and they cause 81.20 percent of the car crashes. These drivers need to look for ways that they can qualify for any discounts, because Miami car insurance companies will see them as a high risk.

One thing that male drivers in Miami can do is ask for a high car insurance deductible. The amount of the deductible will be the amount of money that the policyholder will need to pay for repair bills, for example, before the Miami insurance company begins to take over the payments. A male driver who agrees to pay more before the insurance company will need to do so lowers the risk for the insurance company.

As people raise their deductibles from the typical $200 to $500, Miami car insurance companies reduce their rates by up to 30 percent. Increasing the deductible to an even higher level, $1,000, gives Miami drivers up to a 40 percent break on their auto insurance premiums. Before setting a deductible this high, Miami drivers need to make sure that they have sufficient funds set aside to cover the deductible in case of an accident.

Female drivers will have an easier time purchasing their Miami car insurance.

They are 50.30 percent of the population of Miami drivers, and they only cause 18.80 percent of the car collisions. For this reason, many insurance companies will only insure women. Other Miami companies offer women-only policies where these drivers will receive the best car insurance rates.

Miami Car Insurance Quotes

As people compare car insurance quotes they receive from Miami car insurance companies, they will need to be prepared to compare the coverage they are currently receiving to what they can purchase from another company. A wise idea is to have their policies in front of them when they contact these companies with information such as ages of everyone to be named on the policy, their drivers’ license numbers, their driving histories and any claims that were filed in the past.

This whole process will be extremely easy. Gathering the above information isn’t going to be difficult and receiving several quotes will be easy when using the comparison website. Miami drivers can begin this process immediately by entering their information into the comparison website’s information fields.

Be sure to try our car insurance comparison tool to find the best Miami car insurance today! Enter your ZIP code below now!