Cheapest Auto Insurance in Miami, Florida (2025)

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 $189, Miami drivers pay an overall average of $245 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.

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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $88/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $143/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $136/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $154/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $196/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $276/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $430/mo*
Overall rating 4.1 6,048 reviews	Overall rating 4.0 6,437 reviews	Overall rating 4.3 485 reviews	Overall rating 3.9 3,656 reviews	Overall rating 3.3 6,931 reviews	Overall rating 3.4 471 reviews	Overall rating 3.6 1,736 reviews
Value for money 3.9/5	Value for money 3.8/5	Value for money 4.0/5	Value for money 3.6/5	Value for money 3.4/5	Value for money 3.3/5	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 3.3/5	Customer service 3.1/5	Customer service 3.3/5
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 AI-generated from 6048 user reviews Customer service	Special highlight AI-generated from 6437 user reviews Teen drivers	Special highlight AI-generated from 485 user reviews Usage-based savings	Special highlight AI-generated from 3656 user reviews Accident forgiveness	Special highlight AI-generated from 6931 user reviews Competitive rates	Special highlight AI-generated from 471 user reviews High-risk drivers	Special highlight AI-generated from 1736 user reviews Numerous discounts

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

Teens

Compare Quotes

User Reviews	4.1 6,048 reviews
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.	$102/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.	$126/mo

Hide Details

Driver Reviews

4.1

Best choiceBased on 11,284 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 (6,048)

Audrey

Verified Review

Old Customer

Reviewed in Michigan on July 2025

State Farm is excellent.

Roseann

Verified Review

Excellent

Reviewed in Wisconsin on July 2025

I've checked several insurance companies and State Farm always comes out on top.

Alice

Verified Review

State Farm Cares

Reviewed in New Jersey on July 2025

All good... the staff is great and they care about your issues.

Previous

1234…25

NextSee all State Farm reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

Seniors

Compare Quotes

User Reviews	4.0 6,437 reviews
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.	9.2 /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.	$176/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.	$194/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 12,003 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 (6,437)

Jon

Verified Review

I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.

Reviewed in Washington on July 2025

I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.

Richard

Verified Review

Pricing Information

Reviewed in Florida on July 2025

They quoted me one price, but when I called them back, they gave me another, higher price.

Jacq

Verified Review

My policy is expensive and customer service is lacking

Reviewed in New Jersey on July 2025

I find my policy to be expensive, and when I need help, I have to call multiple times to get my issue resolved. Overall, I'm unsatisfied with the service.

Previous

1234…25

NextSee all GEICO reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

629

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

Drivers with an Accident

Compare Quotes

User Reviews	3.9 3,656 reviews
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.	$179/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.	$219/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 6,865 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 (3,656)

Patricia

Verified Review

Not satisfied

Reviewed in Alabama on July 2025

Their prices have become unreachable, and the service at the office I use has declined significantly. The office personnel don't speak English very well, so I rarely contact them for anything.

William

Verified Review

Service good, cost too high

Reviewed in New Hampshire on July 2025

Very good customer service by George, but the car insurance quote was too high.

Caryl

Verified Review

Loved Allstate

Reviewed in Delaware on July 2025

The best. Wish I could use them in Delaware.

Previous

1234…25

NextSee all Allstate reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

643

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.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

Enter your ZIP codeGet My Quotes

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 $200. State Farm offers the cheapest liability-only policies in Miami, at $102 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, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$102
Mile Auto	$149
GEICO	$176
Allstate	$179
Direct Auto	$200
Progressive	$211
Travelers	$213
Mercury	$215
Infinity	$250
Foremost	$264
Root	$264
Bristol West	$277
GAINSCO	$302
The General	$316

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 $290 per month for full coverage. State Farm offers the cheapest full-coverage policies in Miami, at $126 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, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$126
GEICO	$194
Mile Auto	$197
Allstate	$219
Travelers	$259
Mercury	$279
Progressive	$297
National General	$314
Direct Auto	$345
Infinity	$355
Bristol West	$375
The General	$398
Foremost	$407
Root	$430
GAINSCO	$465

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.

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.

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 $245, people with an incident on their motor vehicle records pay an average of $276 per month.

Find Car Insurance in Miami

Enter your ZIP codeGet My Quotes

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 $280 per month. The cheapest insurer for drivers with a speeding ticket in Miami is State Farm, with a cost of $119 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, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
State Farm	$119	$147
Mile Auto	$168	$223
Allstate	$210	$258
GEICO	$214	$236
Direct Auto	$238	$410
Progressive	$241	$339
Travelers	$254	$309
Mercury	$276	$358
Infinity	$304	$432
Foremost	$318	$491
Root	$331	$540
Bristol West	$331	$448
GAINSCO	$340	$524
The General	$395	$497

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 $309 per month. The cheapest insurer for drivers with an at-fault accident in Miami is State Farm, with a cost of $128 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, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
State Farm	$128	$158
Mile Auto	$190	$251
GEICO	$209	$230
Allstate	$225	$275
Direct Auto	$260	$449
Progressive	$266	$375
Travelers	$271	$329
Mercury	$300	$389
Infinity	$311	$442
Root	$334	$544
Foremost	$339	$522
Bristol West	$351	$476
GAINSCO	$371	$571
The General	$416	$524

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: State Farm

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 $299 per month. The cheapest insurer for drivers with a DUI in Miami is State Farm, with a rate of $137 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, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
State Farm	$137	$169
Mile Auto	$200	$264
GEICO	$236	$260
Allstate	$240	$294
Progressive	$258	$363
Direct Auto	$268	$463
Travelers	$286	$347
Mercury	$294	$381
Infinity	$335	$476
Foremost	$354	$546
Root	$354	$577
Bristol West	$371	$503
GAINSCO	$405	$624
The General	$424	$534

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 $175 for liability coverage in Miami. The cheapest insurance for senior drivers in Miami costs $81 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, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
State Farm	$81	$100
Mile Auto	$116	$153
GEICO	$141	$155
Allstate	$147	$180
Direct Auto	$159	$275
Travelers	$170	$207
Mercury	$180	$233
Progressive	$184	$260
Infinity	$189	$269
Root	$226	$368
Foremost	$227	$350
Bristol West	$229	$310
GAINSCO	$255	$392
The General	$258	$325

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: State Farm

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 $344 per month for liability coverage. The cheapest insurer for teen drivers in Miami is State Farm, with a monthly cost of $186.

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, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
State Farm	$186	$230
Mile Auto	$296	$391
GEICO	$303	$334
Allstate	$339	$415
Progressive	$363	$511
Direct Auto	$380	$656
Mercury	$388	$503
Travelers	$406	$494
Root	$441	$718
Infinity	$447	$634
Bristol West	$479	$649
Foremost	$484	$747
The General	$521	$657
GAINSCO	$545	$840

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.

Is car insurance more expensive in Miami?

The average cost of full-coverage car insurance in the U.S. is $193 per month. However, Miami residents encounter a remarkably high average monthly premium of $290 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 $210 for full coverage, while Tampa drivers tend to face higher expenses, with an average of $292.

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	$260	$185
Fort Myers	$210	$145
Jacksonville	$225	$150
Lakeland	$205	$151
Ocala	$198	$138
Orlando	$233	$169
Pompano Beach	$255	$185
Tampa	$292	$214

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