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Cheap Auto Insurance Quotes in Miami, FL (May 2022)
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Driving in Miami is possibly unlike any other experience you’ve had on the road, as motorists often do things without notice. Changing lanes without using a turn signal is common, and pedestrians should be careful, as not everyone is so quick to yield. However, despite its traffic and plethora of freeways, Miami roads are organized in a grid system that can be learned over time. While you’re getting to know your way around, remember that it’s smart to enroll in a comprehensive auto insurance policy in case of an accident.
All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:
Personal injury protection coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law. Note that while PIP is required in Florida, bodily injury liability is not required by Florida law unless the person has been involved in an at-fault accident or committed certain violations, such as a DUI.
The state minimum amount of property damage liability coverag required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.
Packed with tourists and residents, the streets of Miami are always busy, leading to high car insurance rates for many drivers here. If you’re under the age of 20, be prepared to pay an average of $916 for coverage, with rates dropping to almost half this amount once you hit age 20. Most drivers in Miami pay between $371 and $439 during their driving careers, with the lowest rate of $351 awarded to motorists in their 70s.
|Driver's Age||Avg. Monthly Cost|
Although it can be tough, it’s advised that you maintain a clean driving record in Miami to keep your insurance rates low. Drivers with no violations to their names pay an average of $430, but prices increase to $460 after failing to stop at an intersection. A speeding ticket further raises rates to around $470, and if you’re found to be at fault after an accident, get ready to be charged an average of $544 for your coverage.
|Driving History||Avg. Monthly Cost|
|Failure to Stop for Red Light / Stop Sign||$461|
Motorists trying to save money have a vested interest in working to raise their credit score, as this data directly impacts their car insurance rates. Those with poor credit tend to pay an average of $496, while those in the average tier pay about $40 less. Boosting your score to a good rating results in a premium of roughly $433, and individuals with excellent credit save the most money, with an average rate of $386 a month.
|Credit Tier||Avg. Monthly Cost|
Miami-Dade County is one of the easier metropolitan areas to navigate when it comes to DMV services, as there are more than a handful of office locations throughout the city and its outlying suburbs. Most are open Monday through Friday from 8 a.m. to 5 p.m., along with dozens of smaller locations that provide a limited number of services.
If getting around Miami by car isn’t your cup of tea, the city offers a number of other affordable and easy options. While Uber and Lyft are certainly popular, the weather in Miami is so beautiful that many people choose to walk. Electric scooters can be rented easily through an app and are found on sidewalks throughout the city. More traditional options like the bus or Metrorail can also help you get to your destination.
Whether you’re heading to Miami for a much-needed vacation or you happen to call this city home, one thing’s for certain: driving in this area can be stressful. Busy freeways coupled with drivers who seem to do whatever they want create a recipe for collisions, so it’s crucial that you stay attentive at all times while behind the wheel.
Even if you have a stellar driving history, you could find yourself paying a lot for car insurance. If you’re looking for the lowest rates in Miami, make sure to compare prices at Insurify. Simply answer a few questions, and you’ll be able to enroll in the policy that best meets your financial and driving needs.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Miami, Florida below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Miami drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Miami
City with the Most Speeding Tickets Rank in Florida
City with the Most Moving Violations Rank in Florida
City with the Most DUIs Rank in Florida
City with the Most Suspended Licenses in Florida
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Miami drivers rank 97 in the number of car accidents per driver across all cities in Florida.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Miami drivers rank 133 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Miami drivers rank 82 in the number of DUI’s per driver across all cities in Florida.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Miami is the Toyota Corolla.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Miami drivers rank 41 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Miami drivers rank 14 in clean driving records across all cities in Florida.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Miami drivers rank 69 in failure to yield violations per driver across all cities in Florida.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Miami drivers rank 56 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Miami drivers rank 26 in hybrid and electric vehicle ownership across all cities in Florida.
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.