120+ more*Quotes generated for Insurify users in and around Miami, Florida within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Miami, Florida within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
State Farm is Miami’s cheapest car insurance company.
Miami’s average car insurance rate of $238 per month runs 30% higher than Florida’s state average.
Miami-Dade County, where Miami is located, has the highest vehicle theft rate in Florida.
Miami drivers pay an average of $195 per month for state-minimum insurance and $280 for full coverage, according to Insurify data. That’s higher than Jacksonville’s $186 monthly average but slightly below Fort Lauderdale’s.
Miami’s extreme population density and high vehicle theft rate push up the city’s auto insurance rates.
The following table compares the average monthly car insurance costs in Miami to Florida’s statewide average.
Car Insurance Costs in Miami vs. Florida | Average Monthly Quote |
|---|---|
| Miami average | $238 |
| Florida average | $188 |
State Farm offers the cheapest liability-only car insurance in Miami, with an average rate of $101 per month. State Farm has the most affordable rates for drivers seeking the financial protection of a full-coverage policy. Its average full-coverage rate is $164 per month.
Rates start as low as $101/mo. for minimum coverage
Miami’s coastal location creates some unique driving challenges. For example, sunny day flooding pushes saltwater onto Miami streets.[1] Local governments in South Florida warn drivers to rinse their vehicles with fresh water after driving through tidal surges to limit corrosion.
If your car floods, it’s often a total loss, which makes comprehensive coverage an important insurance option in Miami compared to Florida’s inland cities.
Construction zones are just part of driving in Miami. In 2026, drivers have already experienced lane closures from bridge repairs on the northbound Palmetto Expressway ramp to Interstate 75. Also, Port Boulevard is in the middle of an eight-month rebuild between Biscayne and the port.
Vehicle thefts in Miami-Dade County dropped sharply in early 2025. The county recorded 3,295 thefts in the first half of 2025, down 28% from 4,602 in the same period of 2024, according to the National Insurance Crime Bureau. That tracks closely with Florida’s statewide 30% drop.
But Miami-Dade still ranked No. 1 in Florida and No. 17 nationally by theft volume in 2025. Miami also remains a documented hub for organized luxury-vehicle theft rings.[2] Because insurers price policies based on local risk, Miami’s high theft volume keeps insurance coverage expensive.
Miami is one of the most expensive Florida metros for car insurance. At an average of $195 per month for liability coverage, Miami’s car insurance rates run about 26% higher than Jacksonville’s and 14% higher than Orlando’s.
One of the biggest reasons is density. Miami has more than 12,000 people per square mile — several times the density of Jacksonville, Orlando, or Tampa, according to the U.S. Census Bureau. More cars in tighter spaces means more crashes, more claims, and more pressure on Miami car insurance costs.
Here’s how Miami’s average monthly rates compare to other Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $168 |
| Clearwater | $174 |
| Davenport | $187 |
| Daytona Beach | $175 |
| Fort Lauderdale | $217 |
| Fort Myers | $178 |
| Gainesville | $156 |
| Hollywood | $217 |
| Jacksonville | $186 |
| Jupiter | $163 |
| Lakeland | $175 |
| Melbourne | $160 |
| Miami | $238 |
| Naples | $161 |
| Ocala | $169 |
| Orlando | $207 |
| Palm Bay | $169 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $221 |
| Riverview | $217 |
| Saint Petersburg | $184 |
| Sarasota | $157 |
| Spring Hill | $197 |
| Tallahassee | $166 |
| Tampa | $239 |
| West Palm Beach | $223 |
| Winter Haven | $180 |
Miami ranked seventh in the U.S. for hours lost to traffic in 2025, with the average driver losing 72 hours.[3] More time in traffic means more chances for fender-benders, and insurers price that exposure into every Miami premium.
Interstate 95 near the Broward County line is one of the region’s busiest stretches, with the Dolphin Expressway near Red Road close behind, according to data from the Florida Department of Transportation’s 2025 Annual Average Daily Traffic Report.
Florida drivers must be aware of the Super Speeder law that took effect on July 1, 2025. It adds criminal penalties for anyone caught driving 50 mph or more over the limit.[4]
A few factors work against Miami drivers and the cost of Florida car insurance. Roughly 5% of Miami-Dade drivers don’t have insurance coverage as of March 2026, leaving insured drivers to absorb the cost. The county has the highest vehicle theft rate in Florida. Hurricane exposure, rising sea levels, and King Tide flooding increase comprehensive claims even in calm weather.
Additionally, Miami’s population density is more than 30 times the state average, increasing the likelihood of crashes.
State Farm offers the cheapest liability-only car insurance in Miami, with an average rate of $101 per month.
Florida’s minimum insurance requirements mandate coverage limits of $10,000 for personal injury protection and $10,000 for property damage liability. These low limits make state-minimum coverage cheap, but it also leaves drivers thinly protected after a serious crash.
The table below shows the cheapest liability-only auto insurance quotes in Miami.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $101 |
| Progressive | $102 |
| Clearcover | $107 |
| Mile Auto | $109 |
| GEICO | $115 |
| Embark | $132 |
| Dairyland | $136 |
| Direct Auto | $151 |
| GAINSCO | $151 |
| Mercury | $154 |
| The General | $161 |
| Bristol West | $171 |
| Allstate | $177 |
| AssuranceAmerica | $177 |
| National General | $183 |
| Insurify Car | $196 |
| Root | $201 |
| Travelers | $209 |
| Hugo | $256 |
| Mendota | $283 |
| First Acceptance | $289 |
| Liberty Mutual | $290 |
Get a quote and buy a policy in minutes. Pay for one week.
The cheapest full coverage in Miami is from State Farm. Miami drivers pay a monthly average of $280, which is higher than most Florida cities.
Hurricane winds, saltwater flooding, and vehicle theft are the big risks in the area, and full coverage is what pays for them — liability-only insurance doesn’t.
The table below shows full coverage quotes from top insurers in Miami.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $164 |
| Progressive | $182 |
| Mile Auto | $205 |
| Mercury | $229 |
| GEICO | $238 |
| National General | $241 |
| Direct Auto | $256 |
| Clearcover | $267 |
| Bristol West | $269 |
| Allstate | $284 |
| The General | $308 |
| AssuranceAmerica | $322 |
| Embark | $326 |
| Travelers | $338 |
| GAINSCO | $362 |
| Root | $362 |
| Liberty Mutual | $379 |
| Dairyland | $404 |
| First Acceptance | $422 |
| Mendota | $447 |
*Quotes generated for Insurify users in and around Miami, Florida within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Miami, Florida within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Florida adds three points to your license for speeding. If you accumulate 12 points in 12 months, the state suspends your license for 30 days.[5]
For the 2.58% of Miami drivers with a speeding ticket on their record, State Farm is the best car insurance for cheap coverage.
See the cheapest insurance rates for drivers with a speeding ticket in Miami below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $119 |
| State Farm | $124 |
| Mile Auto | $127 |
| Clearcover | $132 |
| GEICO | $146 |
| Embark | $154 |
| Dairyland | $163 |
| GAINSCO | $175 |
| Direct Auto | $184 |
| Mercury | $206 |
| Bristol West | $208 |
| The General | $209 |
| AssuranceAmerica | $218 |
| National General | $220 |
| Allstate | $222 |
| Insurify Car | $229 |
| Root | $231 |
| Travelers | $262 |
| Hugo | $298 |
| Mendota | $330 |
| First Acceptance | $337 |
| Liberty Mutual | $357 |
About 3.81% of Miami drivers have an at-fault accident on their record, according to Insurify data. For those drivers, Florida’s no-fault label is misleading. Personal injury protection (PIP) pays your own injury-related costs regardless of who caused the crash, but vehicle damage still ends up against the at-fault driver’s liability coverage.
If you’ve caused a crash, State Farm offers the most affordable insurance premiums.
These are the insurers with the cheapest rates for drivers with an at-fault accident in Miami.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $130 |
| State Farm | $132 |
| Mile Auto | $144 |
| GEICO | $149 |
| Clearcover | $149 |
| Embark | $168 |
| Dairyland | $176 |
| GAINSCO | $189 |
| Direct Auto | $202 |
| The General | $217 |
| Bristol West | $222 |
| Mercury | $226 |
| AssuranceAmerica | $230 |
| Allstate | $234 |
| National General | $239 |
| Root | $248 |
| Insurify Car | $249 |
| Travelers | $277 |
| Hugo | $325 |
| Mendota | $359 |
| First Acceptance | $367 |
| Liberty Mutual | $377 |
Miami-Dade averaged five DUI arrests per day in 2025 — 1,897 total for the year. A DUI conviction labels you as high-risk and increases your Florida car insurance requirements for three years. The DUI itself stays on your driving history for 75 years.[6]
State Farm offers the best rates for DUI insurance for the 0.67% of Miami drivers dealing with one.
Check the table below for the cheapest rates for drivers with a DUI in Miami.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $133 |
| State Farm | $139 |
| Clearcover | $141 |
| Mile Auto | $150 |
| GEICO | $157 |
| Embark | $172 |
| Dairyland | $187 |
| Direct Auto | $207 |
| GAINSCO | $207 |
| The General | $214 |
| Mercury | $225 |
| Bristol West | $235 |
| Allstate | $243 |
| AssuranceAmerica | $243 |
| National General | $251 |
| Insurify Car | $255 |
| Root | $276 |
| Travelers | $287 |
| Hugo | $334 |
| Mendota | $369 |
| First Acceptance | $377 |
| Liberty Mutual | $398 |
State Farm offers the cheapest rates when it’s time to add a teen driver to your car insurance policy.
A Florida law that took effect in August 2025 requires teens aged 15 to 17 to complete a six-hour Driver Education Traffic Safety course before they can apply for a license.
The data below shows the cheapest rates for teenage drivers in Miami.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Clearcover | $168 |
| Progressive | $171 |
| State Farm | $188 |
| GEICO | $200 |
| Mile Auto | $216 |
| Embark | $222 |
| Dairyland | $227 |
| GAINSCO | $255 |
| Mercury | $270 |
| The General | $279 |
| Direct Auto | $283 |
| Root | $289 |
| Bristol West | $290 |
| Insurify Car | $330 |
| Allstate | $335 |
| National General | $351 |
| AssuranceAmerica | $354 |
| Travelers | $417 |
| Hugo | $430 |
| Mendota | $476 |
| First Acceptance | $486 |
| Liberty Mutual | $487 |
Shopping through Insurify could cut your bill up to 50%
Despite Florida’s retirement reputation, just 15.9% of Miami residents are 65 or older, compared to 21.8% statewide, according to the U.S. Census Bureau.
Senior drivers in Miami can find cheap coverage with State Farm.
Here are the cheapest rates for senior drivers in Miami.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| Mile Auto | $87 |
| Progressive | $92 |
| GEICO | $93 |
| Clearcover | $96 |
| Dairyland | $118 |
| Embark | $119 |
| Mercury | $125 |
| Direct Auto | $126 |
| GAINSCO | $132 |
| The General | $140 |
| AssuranceAmerica | $142 |
| Bristol West | $146 |
| Allstate | $147 |
| National General | $147 |
| Travelers | $171 |
| Insurify Car | $176 |
| Root | $188 |
| Hugo | $230 |
| Liberty Mutual | $246 |
| Mendota | $255 |
| First Acceptance | $260 |
Check out these answers to frequently asked questions about finding car insurance coverage in Miami.
Miami’s average cost of car insurance is $238 per month. Liability insurance costs in Miami average $195 per month, while full coverage averages $280 per month.
State Farm offers the cheapest liability-only insurance in Miami, at an average of $101 per month. For more protection, look to State Farm for the best pricing on full coverage.
A few Miami-specific forces push premiums up: the county’s high vehicle theft rate, crowded streets, hurricane and King Tide flood exposure, and the number of uninsured drivers. Your age, credit history, driving record, and car also factor in.
A clean record is your best shot at a cheap rate. Get free quotes from a few companies, raise your deductible if you have savings to cover it, and ask your insurance agent what car insurance discounts are available.
Most Miami insurers offer discounts for bundling auto and homeowners insurance, paying in full, having good grades if you’re a student, and using telematics. Nearly 11% of Miami drivers also qualify for a multi-car discount. Every insurer handles discounts differently, so it pays to ask.
Yes, Florida is a no-fault state. Drivers file injury claims for medical expenses through their own PIP coverage first, regardless of who caused the crash.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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