Cheap Auto Insurance Quotes in Miami, FL (2022)

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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• Cheap Car Insurance Florida

• Compare Car Insurance

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!

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 .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Florida

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 be 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 in Florida^[1] are:

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

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.

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.

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• High-risk Car Insurance Florida

• DUI Car Insurance Florida

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.

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Find local Miami agents

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.

For more detailed Florida city level guides, check out these below.

• Average Cost of Car Insurance Rates in Florida

• DUI Car Insurance Rates in Florida

• High-Risk Driver Car Insurance Rates in Florida

• Florida Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Florida

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