Cheapest Auto Insurance in Miami, Florida (2025)
State Farm offers the cheapest car insurance in Miami, with minimum-coverage policies as low as $96 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
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.
Table of contents
On average, drivers in Miami, Florida, pay more for car insurance than other Florida drivers. While the average monthly rate for full-coverage car insurance in Florida is $190, Miami drivers pay an overall average of $269 per month. Your location, even down to the ZIP code, plays a significant role in determining insurance costs.
Miami-Dade County reported more than 31,000 car crashes between January and July 2023, and Miami is susceptible to flooding, storm surges, and hurricane-force winds.[1] [2] Miami’s weather and accident rates contribute to more filed claims in the area and, thus, higher-than-average rates.
Here’s how you can find affordable car insurance in Miami and what you need to know during the insurance-shopping process.
Quick Facts
State Farm offers the cheapest liability coverage in Miami.
Florida’s minimum car insurance requirements are much lower than other states’ requirements — drivers only need personal injury protection (PIP) and property damage liability coverages.[3]
Miami’s extreme weather can cause property damage to vehicles and houses, which can increase car insurance costs in the area.[2]
Cheapest car insurance companies in Miami
When searching for the best car insurance companies in Miami, it’s crucial to carefully assess your unique needs, budget, and circumstances. The cheapest car insurance company for you can vary based on factors such as your driving record, the type of vehicle you own, and your coverage preferences.
Insurify identified the most affordable car insurance companies in Miami and highlighted their standout features.
 |  |  |  |  |  |  |
|---|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $79/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $81/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $134/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $138/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $228/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $289/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $440/mo* |
Overall rating 4.1 | Overall rating 4.0 | Overall rating 4.3 | Overall rating 3.9 | Overall rating 3.3 | Overall rating 3.5 | Overall rating 3.6 |
Value for money 3.9/5 | Value for money 3.8/5 | Value for money 4.1/5 | Value for money 3.6/5 | Value for money 3.4/5 | Value for money 3.2/5 | Value for money 3.4/5 |
Customer service 4.1/5 | Customer service 3.9/5 | Customer service 4.1/5 | Customer service 3.8/5 | Customer service 3.4/5 | Customer service 3.2/5 | Customer service 3.4/5 |
Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 4.4/5 | Claims handling 3.9/5 | Claims handling 3.5/5 | Claims handling 3.3/5 | Claims handling 3.6/5 |
Special highlight Customer serviceAI-generated from 6019 user reviews | Special highlight Teen driversAI-generated from 6421 user reviews | Special highlight Usage-based savingsAI-generated from 484 user reviews | Special highlight Accident forgivenessAI-generated from 3642 user reviews | Special highlight Competitive ratesAI-generated from 6892 user reviews | Special highlight High-risk driversAI-generated from 469 user reviews | Special highlight Numerous discountsAI-generated from 1729 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for teens: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $124/mo |
4.1
Best choiceBased on 11,201 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,019)
Jim
June 11, 2025
Verified Review
Question answered
Great coverage with good discounts, except for windshield chip repair.
Jessica
June 9, 2025
Verified Review
No Money Saved
The cost continues to rise, even though I joined them in the first place in an attempt to save money, and I've done the opposite. All they want to do is sell me on everything rather than take care of the needs I'm asking to have addressed. They responded quickly when I had a new car to add to the policy, but as soon as I told them I did not want full coverage on the new car, I have yet to hear back from them, even after a follow-up message. They are apparently only seeking sales and not interested in taking care of their customers.
Vicki
June 9, 2025
Verified Review
State Farm
Good insurance, just too high for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers liability and full-coverage insurance. It also provides additional coverages, such as medical payments, uninsured/underinsured motorists, rental car reimbursement, and roadside assistance that can give parents of teens peace of mind.
Pros
Various discounts to help teens save
Wide selection of coverage options
Cons
No gap insurance
Holds a low average rating on Trustpilot
Best insurer for seniors: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $99/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $127/mo |
4.0
Best choiceBased on 11,939 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,421)
William
June 10, 2025
Verified Review
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
Peter
June 8, 2025
Verified Review
Average Insurance. Constant Price Hikes.
Beware of the constant price hikes despite having no accidents or tickets for 40 years.
Philip
June 5, 2025
Verified Review
High Price for Full Coverage
They are good but offer no rate deductions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO can help ensure senior drivers feel well taken care of by offering car insurance with affordable rates and personalized service. With 85 years of experience in the industry, GEICO provides seniors with the peace of mind they deserve. It offers free quotes and opportunities for car insurance savings through various discounts.
Pros
Highly rated mobile app
Bundling discounts available
Cons
No gap insurance
Low Trustpilot rating
Best insurer for drivers with an accident: Allstate
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $169/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $215/mo |
3.9
A solid optionBased on 6,815 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,642)
Chrystal
June 11, 2025
Verified Review
Allstate - ehh
The agency is fine to work with. However, the rates continue to rise despite the fact I've never had a claim with them.
Carl
June 9, 2025
Verified Review
Water Damage, Master Bedroom Lost Ceiling, Walls, Trim, Furniture
When you have a claim, it should be paid according to the cost to repair the damage. No BS. Claim adjusters are not there to assist you; they're there to scam you out of money for the actual repair cost.
Jenna
June 8, 2025
Verified Review
Car Insurance
The company has been good to me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
849NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate car insurance is especially beneficial for drivers facing high insurance rates following an accident. It offers easy access to knowledgeable agents and innovative tools like Drivewise, which can help safe drivers save money on their premiums.
Pros
Offers various discounts
Offers coverage for hybrids and classic cars
Cons
Higher average rates than other insurers
Low Trustpilot rating
How to get the cheapest car insurance in Miami
Getting affordable car insurance requires a little research on your part. Consider your budget, coverage needs, and vehicle type while you search for car insurance quotes. While you’re shopping for the most affordable rates in Miami, keep these helpful tips in mind:
Drive responsibly. Practice safe driving habits, comply with traffic laws, and steer clear of accidents and violations to maintain a clean driving record, as this can lower your insurance rates.
Bundle insurance policies. Consider bundling your car insurance with other policies, like renters insurance or homeowners insurance, to potentially qualify for discounts on multiple policies.
Ask about discounts. Don’t forget to inquire about available discounts, such as those for good driving habits, safety features, or good grades if there’s a teenager in your household.
Compare multiple quotes. Take the time to shop around and compare car insurance quotes in Miami from various insurance companies, leveraging platforms like Insurify to find a car insurance rate that suits your specific needs.
Find Cheap Car Insurance in Miami
Compare rates from 120+ top-rated insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Miami: State Farm
Liability-only policies are the bare-minimum required coverages that Florida sets for all drivers, and they cover damages you cause to others in an accident. Liability insurance is typically cheaper than other policies because it’s the least amount of insurance you can legally buy. However, insurance companies still offer different rates to drivers for the same liability insurance policy, so it’s important to compare quotes among different insurers.
The average monthly cost of a liability-only policy in Miami is $208. State Farm offers the cheapest liability-only policies in Miami, at $96 per month.
Here are the cheapest car insurance companies in Miami for liability-only insurance.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $96 |
| GEICO | $99 |
| Mile Auto | $157 |
| Allstate | $169 |
| Travelers | $199 |
| Direct Auto | $219 |
| Mercury | $226 |
| Root | $238 |
| Progressive | $254 |
| Infinity | $272 |
| Foremost | $291 |
| GAINSCO | $321 |
| Bristol West | $329 |
| National General | $372 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Miami: State Farm
Full-coverage car insurance provides protection beyond liability to include comprehensive coverage and collision coverage. This type of insurance is especially beneficial for drivers with valuable vehicles, people living in areas prone to accidents or theft, or anyone who wants extensive coverage for personal and third-party damages.
On average, Miami drivers pay $330 per month for full coverage. State Farm offers the cheapest full-coverage policies in Miami, at $124 per month.
The table below shows the cheapest car insurance companies for full coverage in Miami.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $124 |
| GEICO | $127 |
| Mile Auto | $202 |
| Allstate | $215 |
| Travelers | $255 |
| Mercury | $290 |
| Root | $365 |
| Progressive | $381 |
| Infinity | $381 |
| National General | $383 |
| Direct Auto | $417 |
| Foremost | $439 |
| Bristol West | $460 |
| GAINSCO | $485 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Miami, Florida
Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $73/mo for full coverage in Miami and other Florida cities.
*Quotes generated for Insurify users in and around Miami, Florida within the last 10 days. Last updated on June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2025. 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 June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Like many other states, Florida requires a minimum amount of car insurance for every driver. Drivers must purchase personal injury protection and property damage liability coverages to legally drive.
PIP offers coverage for 80% of medical expenses, up to $10,000, for covered injuries, regardless of fault. And property damage liability pays for damages the insured driver causes. It’s important to maintain continuous coverage, even during periods when the vehicle isn’t in use.
Here are the coverages and minimum policy limits Florida drivers must have:[3]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 |
| Property damage liability | $10,000 |
Note that Florida’s car insurance minimums are extremely low — many other states also require bodily injury liability. If you drive with liability-only insurance, it’s possible that an accident’s damages and injuries exceed these coverage limits. In that case, you’d pay out of pocket for excessive costs.
Drivers should consider these additional coverage options that can provide extra protection:
Collision coverage
Collision coverage pays for vehicle damages from collisions with other vehicles or objects such as trees, fences, and light poles, regardless of fault.
Comprehensive coverage
Comprehensive insurance covers theft and damages resulting from incidents other than collisions, such as fire, vandalism, falling objects, and weather hazards, including floods and hurricanes.
Gap coverage
Gap insurance covers the financial gap between your auto loan balance and insurance settlement in the event of a total loss, which is particularly useful if you financed or leased a vehicle.
Glass coverage
Glass coverage is a great option for protection from windshield and glass damage. In Florida, glass coverage has no deductible for windshield replacement, and some policies offer no-deductible coverage for side windows, rear windows, and glass sunroofs.
)
Learn More: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
Finding the cheapest car insurance in Miami becomes incredibly important for drivers who have a track record of incidents, such as speeding tickets, driving under the influence (DUI) convictions, at-fault accidents, or other moving violations.
“Insurance companies assess your driving history, including any traffic violations, accidents, or claims you have made in the past,” says Mariano Demarin, president of Home Port Insurance Group. “If you have a history of accidents, speeding tickets, or other violations, insurance companies perceive you as a higher risk and may charge higher premiums as a result. Overall, it’s crucial to maintain a safe driving record to potentially qualify for more favorable car insurance rates.”
While the overall monthly average for Miami drivers with a clean record is $269, people with an incident on their motor vehicle records pay an average of $307 per month.
Find Car Insurance in Miami
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
When you receive a speeding ticket, brace yourself for potential car insurance rate increases for several years. Speeding violations indicate a higher risk of accidents and claims. Consequently, insurance premiums are likely to spike as a result of a speeding ticket on your record.[4]
If you get a speeding ticket in Miami, you can expect your premiums to average around $320 per month. The cheapest insurer for drivers with a speeding ticket in Miami is State Farm, with a cost of $114 per month.
Here is a list of cheap car insurance companies for drivers with a speeding ticket in Miami.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $114 | $147 |
| GEICO | $118 | $151 |
| Mile Auto | $182 | $234 |
| Allstate | $203 | $258 |
| Travelers | $242 | $310 |
| Direct Auto | $265 | $505 |
| Mercury | $295 | $378 |
| Progressive | $306 | $459 |
| Root | $310 | $475 |
| Infinity | $337 | $472 |
| Foremost | $371 | $559 |
| Bristol West | $401 | $561 |
| GAINSCO | $409 | $618 |
| National General | $447 | $460 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Your car insurance rates can also skyrocket following an at-fault accident. Insurance companies worry that drivers with at-fault accidents on their records are more likely to file future claims, which leads to higher rates to help balance out that risk.[4] During the first half of 2023, Miami-Dade County reported 196,000 car crashes, which is much more than neighboring Broward and Monroe counties combined.[1]
The overall average cost of car insurance for Miami drivers with an at-fault accident is $347 per month. The cheapest insurer for drivers with an at-fault accident in Miami is State Farm, with a cost of $122 per month.
If you’re seeking the cheapest average car insurance companies for Miami drivers with an at-fault accident on their record, consult the table below.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $122 | $157 |
| GEICO | $128 | $164 |
| Mile Auto | $203 | $261 |
| Allstate | $216 | $274 |
| Travelers | $256 | $328 |
| Direct Auto | $288 | $548 |
| Mercury | $317 | $407 |
| Root | $319 | $489 |
| Progressive | $333 | $499 |
| Infinity | $342 | $479 |
| Foremost | $392 | $591 |
| GAINSCO | $398 | $602 |
| Bristol West | $422 | $590 |
| National General | $470 | $484 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: GEICO
Getting a DUI can lead to a substantial increase in your car insurance rates, as car insurance companies view DUI convictions as a major red flag, signifying a high-risk driver prone to accidents and claims.
It’s important to prioritize responsible and sober driving to avoid DUIs and keep your insurance costs in check — and to keep yourself and other drivers safe on the road. If you have a DUI conviction in Florida, the state may require you to buy FR-44 insurance, which raises your liability requirements for at least three years.[5]
The overall average cost of car insurance with a DUI in Miami is $400 per month. The cheapest insurer for drivers with a DUI in Miami is GEICO, with a rate of $147 per month.
If you’re looking for the cheapest car insurance companies in Miami for drivers with a DUI on their record, check out the table below.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| GEICO | $147 | $189 |
| State Farm | $148 | $192 |
| Mile Auto | $243 | $312 |
| Allstate | $261 | $333 |
| Travelers | $308 | $394 |
| Mercury | $338 | $434 |
| Direct Auto | $339 | $645 |
| Root | $368 | $565 |
| Progressive | $393 | $589 |
| Infinity | $421 | $589 |
| Foremost | $450 | $679 |
| GAINSCO | $497 | $750 |
| Bristol West | $509 | $712 |
| National General | $575 | $592 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Generally, as drivers accumulate experience and enter their mid-30s, rates tend to decline. However, there is a shift around the age of 70, as premiums may see a slight rise due to considerations like potential health concerns and increased likelihood of accidents.[6]
Rates for senior drivers average $174 for liability coverage in Miami. The cheapest insurance for senior drivers in Miami costs $74 per month, from State Farm. The table below shows the insurers with the cheapest quotes for senior drivers in Miami.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $74 | $96 |
| GEICO | $83 | $106 |
| Mile Auto | $119 | $153 |
| Allstate | $135 | $172 |
| Travelers | $155 | $199 |
| Direct Auto | $170 | $324 |
| Progressive | $183 | $275 |
| Mercury | $184 | $236 |
| Root | $203 | $311 |
| Infinity | $207 | $289 |
| Foremost | $236 | $355 |
| GAINSCO | $265 | $400 |
| Bristol West | $266 | $371 |
| National General | $283 | $291 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: GEICO
Car insurance rates for teenagers and young adults are often considerably higher than those for older drivers, primarily due to their lack of experience and increased risk factors.[7] One effective method of securing affordable car insurance as a teenager is to remain on a parent’s insurance policy, as it typically offers more favorable rates.
Additionally, opting for a safe and reliable vehicle equipped with excellent safety features and maintaining good academic performance to qualify for good student or student away at school discounts can help teens get their hands on affordable insurance rates.
Rates for teen drivers in Miami cost an average of $356 per month for liability coverage. The cheapest insurer for teen drivers in Miami is GEICO, with a monthly cost of $169.
Take a look at the table below for some of the lowest average car insurance quotes available for teens in Miami, based on Insurify data.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| GEICO | $169 | $217 |
| State Farm | $173 | $223 |
| Mile Auto | $310 | $398 |
| Allstate | $317 | $403 |
| Travelers | $374 | $479 |
| Root | $375 | $575 |
| Mercury | $410 | $527 |
| Direct Auto | $416 | $792 |
| Progressive | $450 | $674 |
| Infinity | $485 | $679 |
| Foremost | $529 | $798 |
| Bristol West | $567 | $793 |
| GAINSCO | $575 | $868 |
| National General | $732 | $754 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Miami car insurance quotes by credit tier
Florida auto insurance companies can use credit history to generate a credit-based insurance score that they use when determining insurance rates, although it can’t be the only factor insurers use.[8] Credit-based insurance scores play a crucial role in determining premiums, and people with excellent or good credit typically have lower rates due to their lower perceived risk. Conversely, drivers with poor credit may face higher premiums, reflecting their higher perceived risk.
This chart outlines the average monthly quotes for car insurance for Miami drivers with different credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Miami?
The average cost of full-coverage car insurance in the U.S. is $195 per month. However, Miami residents encounter a remarkably high average monthly premium of $330 for comparable coverage.
Car insurance rates can vary significantly based on a number of factors, like weather conditions, crime rates, and traffic volume specific to each city.[7] Compared to Miami, drivers in Fort Myers typically enjoy slightly lower monthly premiums, averaging $219 for full coverage, while Tampa drivers tend to face higher expenses, with an average of $310.
More cities in Miami
Miami stands out as one of the more expensive cities in Florida for car insurance rates. This higher average rate is likely due to the fact that Miami reported more instances of reckless driving than other Florida cities, like Winter Haven.[9] Fraud schemes, severe weather conditions, numerous accident-related court cases, a high volume of uninsured drivers, and higher medical and vehicle repair costs also contribute to Miami’s higher rates.
The following data compares average car insurance quotes in Miami with other major cities across Florida.
City | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Fort Lauderdale | $292 | $192 |
| Fort Myers | $219 | $137 |
| Jacksonville | $233 | $146 |
| Lakeland | $213 | $141 |
| Ocala | $206 | $128 |
| Orlando | $248 | $162 |
| Pompano Beach | $283 | $197 |
| Tampa | $310 | $216 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Miami car insurance FAQs
High-risk drivers in Florida should carefully research car insurance options for the best rates that meet their coverage needs. Additionally, Insurify answers some common questions about Miami car insurance below.
How much is car insurance in Miami?
The average cost of car insurance in Miami is $208 a month for liability-only insurance and $330 a month for full-coverage insurance.
What are the cheapest car insurance companies in Miami?
State Farm has the cheapest car insurance rates in Miami, with rates for liability coverage as low as $96 per month. GEICO and Mile Auto also offer affordable liability insurance in Miami, with rates of $99 and $157, respectively.
What are the best car insurance companies in Miami?
Some of the best car insurance companies in Miami include Allstate, GEICO, and State Farm. While Insurify identified these insurers as the top companies, the best one for you depends on your budget and coverage needs. Make sure you compare quotes from at least three different insurers at the same coverage levels to find the best rate for your unique situation.
Why is auto insurance so expensive in Miami?
Auto insurance is expensive in Miami compared to other Florida cities and the state average because of its accident rates and severe weather events. Miami-Dade County reported more than 31,000 car crashes in the first half of 2023, and the Miami area is susceptible to flooding and storms.[1] [2]
Is Florida a no-fault state?
Yes. Florida is a no-fault state. This means that drivers file claims with their respective insurance companies for compensation and reimbursement for injuries after an accident.[10]
Methodology
Insurify data scientists analyzed more than 90 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheap Car Insurance Quotes in Florida Starting at $69
June 11, 2025
)
Cheapest Full-Coverage Car Insurance in Florida
June 5, 2025
)
Car Insurance Discounts for Florida Drivers
June 5, 2025
)
Find a Car Insurance Broker in Florida
June 5, 2025
)
Can I Drive in Florida With a Foreign License?
February 10, 2025
)
Best Car Insurance in Florida for Teen Drivers
June 11, 2025
Best Car Insurance in Florida for Senior Drivers
June 11, 2025
)
Best Insurance for Antique and Classic Cars in Florida
June 11, 2025
)
Why Is Car Insurance So Expensive in Florida?
April 24, 2025
)
Uninsured Motorist Coverage in Florida
March 11, 2025
)
Non-Owner Car Insurance in Florida
June 11, 2025
)
How to Get a Florida Driver’s License
February 26, 2025
)
Best Car Insurance in Florida
June 11, 2025
)
Temporary Car Insurance in Florida
June 11, 2025
)
Cheap SR-22 and FR-44 Insurance in Florida
June 11, 2025
)
Rideshare Insurance in Florida
June 11, 2025
)
Car Insurance Requirements in Florida
June 11, 2025
)
High-Risk Car Insurance in Florida Starting at $79
June 11, 2025
)
Compare Cheap Gap Insurance Companies in Florida
June 11, 2025
)
Car Insurance After a DUI in Florida
June 11, 2025
Average Car Insurance Cost in Florida
April 24, 2025
)
Florida Car Insurance for Bad Credit Drivers
June 11, 2025
)
Cheap Car Insurance in West Palm Beach, FL, From $87
June 11, 2025
)
Cheapest Car Insurance in Winter Haven, FL,
June 11, 2025
)
Cheap Car Insurance in Tampa, Florida, From $94
June 11, 2025
)
Best Cheap Car Insurance in Tallahassee, FL, From $60
June 11, 2025
)
Best Cheap Car Insurance in Spring Hill, FL, From $69
June 11, 2025
)
Best Cheap Car Insurance in Sarasota, FL, From $53
June 11, 2025
)
Best Cheap Car Insurance in Saint Petersburg, FL, From $75
June 11, 2025
)
Cheapest Car Insurance in Riverview, Florida
June 11, 2025
)
Best Cheap Car Insurance in Pensacola, FL, From $61
June 11, 2025
)
Cheapest Car Insurance Quotes in Pompano Beach, FL
June 11, 2025
)
Cheap Car Insurance in Panama City, FL, Starting at $54
June 11, 2025
)
Cheap Car Insurance in Palm Bay, FL, Starting at $59
June 11, 2025
)
Best Cheap Car Insurance in Orlando, FL, From $73
June 11, 2025
)
Best Cheap Car Insurance in Ocala, FL, From $60
June 11, 2025
)
Cheap Car Insurance in Naples, FL, Starting at $61
June 11, 2025
)
Best Cheap Car Insurance in Lakeland, FL, From $63
June 11, 2025
)
Best Cheap Car Insurance in Melbourne, FL, From $56
June 11, 2025
Best Cheap Car Insurance in Jupiter, FL, From $65
June 11, 2025
)
Cheap Car Insurance in Jacksonville, FL, Starting at $68
June 11, 2025
)
Best Cheap Car Insurance in Gainesville, FL, From $54
June 11, 2025
)
Best Cheap Car Insurance in Fort Myers, FL, From $64
June 11, 2025
)
Best Cheap Car Insurance in Fort Lauderdale, FL, From $87
June 11, 2025
)
Best Cheap Car Insurance in Daytona Beach, FL, From $64
June 11, 2025
Cheapest Car Insurance Quotes in Davenport, FL,
June 11, 2025
)
)
Sources
- Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard."
- City of Miami. "How does climate change impact City of Miami?."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
- Florida Department of Highway Safety and Motor Vehicles. "Annual Uniform Traffic Citation Report."
- Nolo. "Florida No-Fault Car Insurance Laws."
)
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.