Buy Cheap Miami Gardens, FL Auto Insurance (2021)

Miami Gardens, FL auto insurance rates average $581 a month. Minimum auto insurance requirements in Miami Gardens, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Miami Gardens, FL, compare Miami Gardens 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 Gardens, FL after a DUI are $8,334/year
  • The most expensive auto insurance company in Miami Gardens is Allstate
  • Average auto insurance rates in Miami Gardens, FL for teens drivers are $12,505/year

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

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

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

Miami Gardens, FL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Miami Gardens, 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 Gardens, FL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Miami Gardens, Florida

Insurance Company Poor Fair Good
Allstate $15,178 $9,371 $7,454
GEICO $6,764 $4,043 $3,004
Liberty Mutual $10,650 $7,747 $6,233
Nationwide $8,942 $6,416 $5,742
Progressive $10,656 $7,520 $6,186
State Farm $7,832 $5,060 $4,109
USAA $7,378 $3,566 $2,573

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Miami Gardens, 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 $6,999 $6,472 $5,979 $5,951 $22,761 $24,051 $6,594 $6,531
GEICO $3,617 $3,631 $3,379 $3,379 $6,552 $8,229 $3,994 $4,046
Liberty Mutual $5,605 $5,605 $5,115 $5,115 $12,131 $18,822 $5,605 $7,681
Nationwide $4,946 $4,855 $4,379 $4,544 $11,895 $14,588 $5,436 $5,622
Progressive $5,483 $5,202 $4,618 $4,964 $15,159 $16,415 $6,742 $6,384
State Farm $3,765 $3,765 $3,374 $3,374 $10,102 $12,395 $4,200 $4,361
USAA $2,579 $2,542 $2,394 $2,388 $8,937 $10,399 $3,262 $3,546

Buy Cheap Miami Gardens, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Miami Gardens, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,761 $24,051
GEICO $6,552 $8,229
Liberty Mutual $12,131 $18,822
Nationwide $11,895 $14,588
Progressive $15,159 $16,415
State Farm $10,102 $12,395
USAA $8,937 $10,399

Buy Cheap Miami Gardens, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Miami Gardens, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,979 $5,951
GEICO $3,379 $3,379
Liberty Mutual $5,115 $5,115
Nationwide $4,379 $4,544
Progressive $4,618 $4,964
State Farm $3,374 $3,374
USAA $2,394 $2,388

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

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

Annual Auto Insurance Rates by Coverage Level in Miami Gardens, Florida

Insurance Company Low Medium High
Allstate $8,216 $11,227 $12,559
GEICO $3,877 $4,750 $5,184
Liberty Mutual $7,575 $8,361 $8,694
Nationwide $5,665 $7,291 $8,143
Progressive $6,972 $8,285 $9,105
State Farm $5,058 $5,767 $6,176
USAA $3,828 $4,686 $5,004

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Find Cheap Miami Gardens, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Miami Gardens, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,365 $10,970
GEICO $4,581 $4,626
Liberty Mutual $7,936 $8,483
Nationwide $7,033 $7,033
Progressive $8,121 $8,121
State Farm $5,441 $5,893
USAA $4,454 $4,558

Find Cheap Miami Gardens, FL Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Miami Gardens, Florida

ZIP Code Average Annual Rates
33054 $5,432
33055 $5,251
33056 $5,247

Find Cheap Miami Gardens, FL Auto Insurance Rates by Driving Record

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

Annual Miami Gardens, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,227 $11,148 $12,108 $10,187
GEICO $3,167 $4,084 $6,143 $5,020
Liberty Mutual $5,955 $7,703 $11,095 $8,086
Nationwide $5,978 $6,591 $8,909 $6,654
Progressive $6,400 $9,477 $7,999 $8,607
State Farm $5,162 $6,172 $5,667 $5,667
USAA $3,540 $4,358 $6,417 $3,709

Find Cheap Miami Gardens, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Miami Gardens, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,108
GEICO $6,143
Liberty Mutual $11,095
Nationwide $8,909
Progressive $7,999
State Farm $5,667
USAA $6,417

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

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

Best Annual Auto Insurance Rates by Company in Miami Gardens, Florida

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

Find Cheap Miami Gardens, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Miami Gardens, Florida

Insurance Company Average Annual Rates
Allstate $10,667
GEICO $4,603
Liberty Mutual $8,210
Nationwide $7,033
Progressive $8,121
State Farm $5,667
USAA $4,506

What affects Miami Gardens, Florida auto insurance rates?

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

Auto Theft in Miami Gardens

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Miami Gardens, FL auto theft show a total of 466 vehicle thefts annually.

Commute Times in Miami Gardens

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Miami Gardens, FL is 32.7 minutes according to City-Data.

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Compare Auto Insurance Quotes in Miami Gardens, FL

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

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