Cheap Auto Insurance Quotes in Miami, FL (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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

Car Insurance in Miami, FL

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

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Cheapest Car Insurance in Miami, FL

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

Best Car Insurance in Miami, FL

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

Average Car Insurance Cost

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Miami, FL Driving Facts

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

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

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

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

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000.  In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.

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

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

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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
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 Driving and Accident History

Although it can be tough, it’s advised that you maintain a clean driving record in Miami to keep your insurance rates low. Drivers with no violations to their names pay an average of $430, but prices increase to $460 after failing to stop at an intersection. A speeding ticket further raises rates to around $470, and if you’re found to be at fault after an accident, get ready to be charged an average of $544 for your coverage.

Miami Car Insurance Rates by Credit Tier

Motorists trying to save money have a vested interest in working to raise their credit score, as this data directly impacts their car insurance rates. Those with poor credit tend to pay an average of $496, while those in the average tier pay about $40 less. Boosting your score to a good rating results in a premium of roughly $433, and individuals with excellent credit save the most money, with an average rate of $386 a month.

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

Miami, FL DMV Information

Miami-Dade County is one of the easier metropolitan areas to navigate when it comes to DMV services, as there are more than a handful of office locations throughout the city and its outlying suburbs. Most are open Monday through Friday from 8 a.m. to 5 p.m., along with dozens of smaller locations that provide a limited number of services.

Public Transportation in Miami, FL

If getting around Miami by car isn’t your cup of tea, the city offers a number of other affordable and easy options. While Uber and Lyft are certainly popular, the weather in Miami is so beautiful that many people choose to walk. Electric scooters can be rented easily through an app and are found on sidewalks throughout the city. More traditional options like the bus or Metrorail can also help you get to your destination.

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

Whether you’re heading to Miami for a much-needed vacation or you happen to call this city home, one thing’s for certain: driving in this area can be stressful. Busy freeways coupled with drivers who seem to do whatever they want create a recipe for collisions, so it’s crucial that you stay attentive at all times while behind the wheel.

Even if you have a stellar driving history, you could find yourself paying a lot for car insurance. If you’re looking for the lowest rates in Miami, make sure to compare prices at Insurify. Simply answer a few questions, and you’ll be able to enroll in the policy that best meets your financial and driving needs.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Miami stacks up for the state of Florida:

toyota
Toyota Corolla
Most Popular Car in
Miami, FL
suspended licenses
#87
Cities with Most
Suspended Licenses Rank

FAQs - Miami, FL Car Insurance

Why is car insurance so expensive in Miami?

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

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

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

How can I find cheap auto coverage in Florida?

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