Compare Miramar, FL Car Insurance Rates (2021)

The cheapest Miramar, FL car insurance is offered by State Farm, although every driver will have different rates. Auto insurance in Miramar must meet the state minimum requirements of $10,000 in personal injury protection and $10,000 in personal damage liability. Since Florida is a no-fault state, drivers aren’t required to carry liability insurance but should consider adding additional coverages like collision and comprehensive to be more fully insured.

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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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Founder & CFP®

UPDATED: Mar 20, 2021

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Here's what you need to know...

  • State Farm offers the cheapest car insurance to all drivers in Miramar, FL
  • Miramar is part of the larger Miami area with higher car insurance rates and traffic
  • Car insurance in Miramar, FL is higher than average

Miramar, FL car insurance rates are higher than the national average. In fact, Florida car insurance, in general, is much more expensive than the national average.

However, you can still find affordable Miramar, FL car insurance if you know where to look. Shop around and compare multiple companies to see who can offer you the best rates.

Enter your ZIP code now to compare free Miramar, FL car insurance quotes today.

What is the cheapest car insurance company in Miramar, FL?

Although USAA actually offers the cheapest car insurance in Miramar, it only offers coverage to the military, veterans, and their families. State Farm offers on average the cheapest coverage to all drivers in Miramar.

The top Miramar, FL car insurance companies listed from cheapest annual rates to most expensive are:

  • USAA – $3,510.67
  • State Farm – $4,415.90
  • GEICO – $4,832.21
  • Nationwide – $5,679.83
  • Progressive – $6,721.85
  • Liberty Mutual – $6,762.84
  • Allstate – $8,645.83

Your car insurance rates are affected by many different factors, including your age, driving record, and even your credit score.

Where you live can also affect your rates. Living in a big city brings more traffic and theft, causing your auto insurance rates to be higher. For example, although car insurance in Miramar is expensive, Miami car insurance rates are even higher.

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What car insurance coverage is required in Miramar, FL?

Most states require that drivers carry at least a minimum amount of auto insurance. Florida is no different.

The minimum amount of auto insurance required in Florida is:

  • $10,000 in personal injury protection (PIP) coverage
  • $10,000 for property damage liability (PDL)

What’s unusual is that Florida doesn’t require you to carry bodily injury coverage. That’s because Florida is a no-fault state. This means that if you are in an accident, your auto insurance pays for damages and injuries, regardless of who is at fault.

If you do decide to carry bodily injury, you must carry $10,000 for one person and $20,000 for two or more people.

You can see this is not a lot of coverage. If you were in a serious accident, you could be left paying thousands of dollars out of pocket for damages and injuries.

Consider adding coverage to pay for damages to your car from collisions or acts of nature. For example, comprehensive coverage would pay for damages from the Miramar, FL weather like hurricanes.

What affects car insurance rates in Miramar, FL?

It might surprise you to learn that traffic can affect your car insurance rates. If you live in an area with a lot of traffic, you have a greater chance of being in an accident.

INRIX doesn’t have data for Miramar, but it does rank nearby Miami as the ninth most congested city in the U.S., and the 60th most congested city in the world.

City-Data reports that most drivers in Miramar, FL commute around 25 minutes, although a significant number commute an hour or more.

Theft can also raise your auto insurance rates. According to the FBI, there were 260 motor vehicle thefts in Miramar in one year. In that same timeframe, there were 1,835 thefts in Miami.

Miramar, FL Car Insurance: The Bottom Line

Car insurance in Miramar is more expensive than the state and national averages. Before you buy Miramar, FL car insurance, shop around to find the best coverage at the cheapest price.

Enter your ZIP code to compare Miramar, FL car insurance rates from multiple companies for free.

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