Buy Cheap Miami, FL Auto Insurance (2021)

Miami, FL auto insurance rates average $590 a month. Minimum auto insurance requirements in Miami, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Miami, FL, compare Miami auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Miami, FL after a DUI are $8,441/year
  • Average auto insurance rates in Miami, FL for teens drivers are $12,685/year
  • Average auto insurance rates in Miami, FL are $590/month

Finding affordable Miami, Florida auto insurance can be challenging, but everything you need to know to buy cheap Miami, FL auto insurance with confidence is right here. Auto insurance rates in Miami are affected by local factors as well as personal ones like your driving record.

See how Miami, FL car insurance rates compare to Tallahassee auto insurance rates, Orlando auto insurance rates, and Fort Lauderdale auto insurance rates before you read more about the cost of auto insurance in Miami.

Don’t buy Miami, FL auto insurance until you’ve compared rates. Get free Miami, Florida auto insurance quotes when you enter your ZIP code above.

Miami, FL Minimum Auto Insurance Requirements

The required auto insurance in Miami, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Miami, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Miami, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Miami, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Miami, FL. Take a look at Miami, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Miami, Florida

Insurance Company Poor Fair Good
Allstate $16,473 $10,123 $8,023
GEICO $6,764 $4,043 $3,004
Liberty Mutual $11,280 $8,192 $6,582
Nationwide $8,699 $6,253 $5,601
Progressive $10,197 $7,212 $5,949
State Farm $8,311 $5,361 $4,350
USAA $6,684 $3,221 $2,327

Buy Cheap Miami, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Miami, Florida auto insurance rates? Find out how car insurance rates in Miami, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Miami, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $7,757 $7,098 $6,567 $6,498 $24,491 $25,524 $7,243 $7,139
GEICO $3,617 $3,631 $3,379 $3,379 $6,552 $8,229 $3,994 $4,046
Liberty Mutual $5,915 $5,915 $5,394 $5,394 $12,853 $19,967 $5,915 $8,124
Nationwide $4,811 $4,729 $4,259 $4,422 $11,580 $14,233 $5,292 $5,484
Progressive $5,229 $4,963 $4,418 $4,744 $14,588 $15,820 $6,427 $6,100
State Farm $3,981 $3,981 $3,565 $3,565 $10,730 $13,180 $4,446 $4,612
USAA $2,352 $2,323 $2,171 $2,174 $8,002 $9,372 $2,978 $3,247

Buy Cheap Miami, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Miami can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Miami, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Miami, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $24,491 $25,524
GEICO $6,552 $8,229
Liberty Mutual $12,853 $19,967
Nationwide $11,580 $14,233
Progressive $14,588 $15,820
State Farm $10,730 $13,180
USAA $8,002 $9,372

Buy Cheap Miami, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Miami, Florida by comparing Miami senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Miami, FL here.

Annual Auto Insurance Rates for Senior Drivers in Miami, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $6,567 $6,498
GEICO $3,379 $3,379
Liberty Mutual $5,394 $5,394
Nationwide $4,259 $4,422
Progressive $4,418 $4,744
State Farm $3,565 $3,565
USAA $2,171 $2,174

Find Cheap Auto Insurance Rates in Miami, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Miami, Florida auto insurance. Compare Miami, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Miami, Florida

Insurance Company Low Medium High
Allstate $9,137 $12,088 $13,394
GEICO $3,877 $4,750 $5,184
Liberty Mutual $8,051 $8,866 $9,137
Nationwide $5,516 $7,103 $7,935
Progressive $6,683 $7,945 $8,730
State Farm $5,348 $6,118 $6,556
USAA $3,517 $4,225 $4,490

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Find Cheap Miami, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Miami. Compare auto insurance rates in Miami, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Miami, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $11,212 $11,867
GEICO $4,581 $4,626
Liberty Mutual $8,394 $8,975
Nationwide $6,851 $6,851
Progressive $7,786 $7,786
State Farm $5,767 $6,248
USAA $4,030 $4,124

Find Cheap Miami, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Miami, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Miami, FL to see how much where you live in Miami affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Miami, Florida

ZIP Code Average Annual Rates
33122 $5,421
33125 $5,785
33126 $5,533
33127 $5,718
33128 $5,629
33129 $5,306
33130 $5,775
33131 $5,191
33132 $5,246
33133 $5,281
33134 $5,305
33135 $5,785
33136 $5,775
33137 $5,179
33138 $5,108
33139 $4,580
33145 $5,526
33177 $5,245
33178 $5,005
33179 $5,237
33181 $5,133
33182 $5,229
33184 $5,424
33185 $5,127
33186 $5,037
33187 $5,095
33189 $5,159
33190 $5,234
33193 $5,166
33194 $5,326
33199 $5,443

Find Cheap Miami, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Miami, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Miami, FL, take a look at the average cost for various violations versus rates for a clean driving record in Miami.

Annual Miami, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,008 $12,093 $13,040 $11,018
GEICO $3,167 $4,084 $6,143 $5,020
Liberty Mutual $6,264 $8,139 $11,784 $8,552
Nationwide $5,830 $6,421 $8,668 $6,485
Progressive $6,123 $9,098 $7,666 $8,256
State Farm $5,470 $6,545 $6,008 $6,008
USAA $3,218 $3,942 $5,781 $3,367

Find Cheap Miami, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Miami, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Miami for less when you shop around and compare rates from multiple Miami, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Miami, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $13,040
GEICO $6,143
Liberty Mutual $11,784
Nationwide $8,668
Progressive $7,666
State Farm $6,008
USAA $5,781

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Winners by Category: Where to Buy Cheap Auto Insurance in Miami, FL

Compare rates from the cheapest auto insurance companies in Miami, FL for your needs. Take a look at how Miami, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Miami, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Find Cheap Miami, Florida Auto Insurance Companies

If you’re looking for the cheapest Miami, FL auto insurance companies overall, you can compare them here. Find the best price for Miami, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Miami, Florida

Insurance Company Average Annual Rates
Allstate $11,540
GEICO $4,603
Liberty Mutual $8,685
Nationwide $6,851
Progressive $7,786
State Farm $6,008
USAA $4,077

What affects Miami, Florida auto insurance rates?

Local factors affect auto insurance rates in Miami, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Miami auto insurance rates.

Auto Theft in Miami

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Miami, FL auto theft show a total of 1,644 vehicle thefts annually.

Commute Times in Miami

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Miami, FL is 29.8 minutes according to City-Data.

Traffic in Miami

How is traffic in Miami, Florida? Inrix data shows that Miami, FL traffic makes it the 60th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Miami, FL

You can buy cheap Miami, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Miami, Florida auto insurance quotes from top companies.

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