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Cheap Auto Insurance Quotes in Miami, FL (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Shawn Powers

Last Updated February 4, 2022

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Driving in Miami is possibly unlike any other experience you’ve had on the road, as motorists often do things without notice. Changing lanes without using a turn signal is common, and pedestrians should be careful, as not everyone is so quick to yield. However, despite its traffic and plethora of freeways, Miami roads are organized in a grid system that can be learned over time. While you’re getting to know your way around, remember that it’s smart to enroll in a comprehensive auto insurance policy in case of an accident.

Quick Facts

  • The average cost of car insurance in Miami is $396 per month, or $4752 annually.
  • Car insurance in Miami is $149 more than the average cost of car insurance in Florida.
  • The cheapest car insurance provider in Miami on average is AssuranceAmericaEconomy, but you should always compare quotes to find your best personal rate.

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 Companies

Liberty Mutual
$318
State Farm
$397
Direct Auto
$457
Travelers
$534
Mercury
$567

Cheapest Car Insurance in Miami, FL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in MiamiQuotes
Liberty Mutual$318 /mo
State Farm$397 /mo
Direct Auto$457 /mo
Travelers$534 /mo
Mercury$567 /mo

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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 company reviews. The following are the top rated companies that offer car insurance in Miami. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$576 /mo
Safeco86$417 /mo
Liberty Mutual82$476 /mo
Mercury81$449 /mo
Travelers80$405 /mo

Average Car Insurance Cost

Florida Cities
Jacksonville$210/mo
Tampa$482/mo
Orlando$234/mo
Hialeah$534/mo
Miami$455/mo
Florida$383/mo
Jacksonville
$210
Orlando
$234
Average for FL
$383
Miami
$455
Tampa
$482
Hialeah
$534
Click here to learn about car insurance quotes and save on your current policy.

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

Personal injury protection coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law. Note that while PIP is required in Florida, bodily injury liability is not required by Florida law unless the person has been involved in an at-fault accident or committed certain violations, such as a DUI.

  • $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.

Driver's AgeAvg. Monthly Cost
teens$917
20s$492
30s$416
40s$440
50s$385
60s$361
70s$352
80s$372

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.

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

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.

Credit TierAvg. Monthly Cost
Excellent$387
Good$434
Average$458
Poor$497

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
View more

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.

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.

FAQs - Miami, FL Car Insurance

  • 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.
  • 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.
  • 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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Miami Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Miami, Florida below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Miami drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Corolla

Most Popular Car in Miami

#133

City with the Most Speeding Tickets Rank in Florida

#174

City with the Most Moving Violations Rank in Florida

#82

City with the Most DUIs Rank in Florida

#69

City with the Most Suspended Licenses in Florida

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Miami drivers rank 97 in the number of car accidents per driver across all cities in Florida.

    • 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 pay on average 33.62% more than drivers with a clean record
  • 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 pay on average 22.32% more than drivers with a clean record
  • 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 pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Miami is the Toyota Corolla.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Miami drivers rank 41 in rude driving infractions.

    • 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 pay on average 16.95% more than drivers with a clean record.
  • 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%
  • 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 pay on average 2600% more than drivers with a clean record
  • 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%
  • 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%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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