Cheap Auto Insurance Quotes in Miami, FL (2021)

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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.

Car Insurance in Miami, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Miami, FL to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$318
$397
$457
$534
$567
Liberty MutualState FarmDirect AutoTravelersMercury
Monthly $

Cheapest Car Insurance in Miami, FL

Here are the cheapest carriers in Miami for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Miami, FL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Miami. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$383
$210
$482
$234
$534
$455
FloridaJacksonvilleTampaOrlandoHialeahMiami
Monthly $

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Miami, FL Driving Facts

florida

Minimum Car Insurance Requirements in FL

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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Bodily injury liability 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.

  • $10,000 property damage liability (PDL) insurance

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.

Miami Car Insurance Rates by Driver Age

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.

Driving History
No Violation$431
Speeding Ticket$471
At-Fault Accident$545
Failure to Stop for Red Light / Stop Sign$461

Miami Car Insurance Rates by Driving and Accident History

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.

Miami Car Insurance Rates by Credit Tier

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.

Miami, FL DMV Information

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.

Public Transportation in Miami, FL

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.

Conclusion: How to get the best and cheapest car insurance in Miami, FL

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.

Find local Miami agents

Dopazo & Associates Inc
10723 SW 104th St, Miami, FL 33176
Filer Insurance Inc
9440 SW 77th Ave, Miami, FL 33156
Morris & Reynolds Insurance
14821 South Dixie Highway, Miami, FL 33176
Butler, Buckley, Deets, Inc.
6161 Blue Lagoon Dr #420, Miami, FL 33126
Optisure Risk Partners, LLC
8000 SW 117th Ave., Miami, FL 33183
Access Insurance Group
8726 NW 26 St, Ste 11-a, Miami, FL 33172
LLJ Risk Advisors LLC
7910 NW 25th St Ste 202 C, Miami, FL 33122
IMAX Insurance Group
10368 W Flagler St, Miami, FL 33174
NEA Insurance Group, LLC
8700 W Flagler St Ste 230, Miami, FL 33174
Corporate Financial Risk Services
9703 S Dixie Hwy Ste 208, Miami, FL 33143

Insurify Insights: How Miami Drivers Measure Up

toyota
Toyota Corolla
Most Popular Car in
Miami, FL
suspended licenses
#74
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Miami drivers measure up to their fellow Florida motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Miami

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.

  • Rank within state: #97
  • Percent of drivers in Miami with an accident: 8.97%
  • Drivers in Miami, FL with an accident in their driving history paid on average 33.62% more than drivers with a clean record

Speeding Miami

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.

  • Rank within state: #133
  • Percent of drivers in Miami with a speeding ticket: 5.16%
  • Drivers in Miami, FL with a speeding ticket in their driving history paid on average 22.32% more than drivers with a clean record

DUI/DWIs Miami

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.

  • Rank within state: #82
  • Percent of drivers in Miami with a DUI: 0.76%
  • Drivers in Miami, FL with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Miami

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.

Rude Miami

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.

  • Rank within state: #41
  • Percent of drivers in Miami with a reckless driving violation: 2.21%
  • Drivers in Miami, FL with a reckless driving violation in their driving history paid on average 16.95% more than drivers with a clean record.

Safest Drivers Miami

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.

  • Rank within state: #14
  • Percent of drivers in Miami with clean record: 85.9%

Failure to Yield the Right of Way Miami

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.

  • Rank within state: #69
  • Percent of drivers in Miami with a failure to yield violation: 0.24%
  • Drivers in Miami, FL with a failure to yield violation in their driving history paid on average 2600% more than drivers with a clean record

Reckless Drivers Miami

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.

  • Rank within state: #56
  • Percent of drivers in Miami with a reckless driving offense: 0.08%

Hybrid/Electric Vehicle Ownership Miami

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.

  • Rank within state: #26
  • Percent of drivers in Miami with a hybrid/electric vehicle: 1.89%

FAQs - Miami, FL Car Insurance

Why is car insurance so expensive in Miami?

Not only are there a lot of accidents on Miami freeways but the state of Florida as a whole has a large number of uninsured drivers. Due to this huge risk, insurance companies often charge more than double the national average for auto insurance.

What kind of auto coverage is required to drive in Miami?

The state is rather relaxed when it comes to the minimum policy features that drivers must purchase before hitting the road. A minimum of $10,000 for both personal injury protection and property damage liability is all that’s required.

How can I find cheap auto coverage in Florida?

Miami drivers are faced with some of the highest auto coverage rates in the nation, so it’s important to maintain a clean driving record and do some research for the best policies in your area. Make sure to visit Insurify for real-time quotes and to explore which discounts you’re eligible for.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.