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.
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.
| Companies | Quotes |
|---|---|
Liberty Mutual |
$318 /mo |
State Farm |
$397 /mo |
Direct Auto |
$457 /mo |
Travelers |
$534 /mo |
Mercury |
$567 /mo |
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.
| Companies | Score | Quotes |
|---|---|---|
American Family |
89
|
$575 /mo |
Safeco |
86
|
$417 /mo |
|
Liberty Mutual |
82
|
$476 /mo |
|
Mercury |
81
|
$449 /mo |
|
Travelers |
80
|
$405 /mo |
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.
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:
Miami, FL
Suspended Licenses Rank
FAQs - Miami, FL Car Insurance
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