Buy Cheap Miami, IN Auto Insurance (2021)

Miami, IN auto insurance rates average $275 a month. Minimum auto insurance requirements in Miami, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Miami, IN, 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, IN for teens drivers are $6,460/year
  • The most expensive auto insurance company in Miami is Liberty Mutual
  • Average auto insurance rates in Miami, IN after a DUI are $3,903/year

Finding affordable Miami, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Miami, IN 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, IN car insurance rates compare to Fishers auto insurance rates, Bloomington auto insurance rates, and Evansville auto insurance rates before you read more about the cost of auto insurance in Miami.

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

Miami, IN Minimum Auto Insurance Requirements

The required auto insurance in Miami, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Miami, Indiana is outlined here.

Minimum Required Auto Insurance Coverage in Miami, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Miami, IN Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Miami, Indiana

Insurance Company Poor Fair Good
Allstate $5,401 $4,001 $3,631
American Family $4,820 $3,129 $2,619
Farmers $4,107 $3,354 $3,106
GEICO $2,351 $1,956 $1,562
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $3,010 $2,544 $2,379
Progressive $4,243 $3,756 $3,540
State Farm $3,333 $1,988 $1,541
Travelers $3,874 $3,282 $3,280
USAA $2,079 $1,372 $1,175

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

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

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

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 $2,707 $2,781 $2,365 $2,591 $8,204 $10,327 $2,766 $3,012
American Family $2,207 $2,207 $1,982 $1,982 $6,087 $8,808 $2,207 $2,702
Farmers $1,599 $1,581 $1,367 $1,534 $8,563 $9,149 $2,108 $2,278
GEICO $1,335 $1,331 $1,253 $1,299 $3,918 $3,642 $1,527 $1,347
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,630 $1,668 $1,428 $1,526 $4,739 $6,162 $1,910 $2,091
Progressive $1,645 $1,556 $1,487 $1,500 $9,619 $10,800 $2,061 $2,104
State Farm $1,417 $1,417 $1,258 $1,258 $4,224 $5,421 $1,565 $1,739
Travelers $1,258 $1,280 $1,177 $1,177 $7,775 $12,289 $1,330 $1,542
USAA $986 $973 $916 $926 $2,721 $3,047 $1,335 $1,432

Buy Cheap Miami, IN 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, IN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Miami, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,204 $10,327
American Family $6,087 $8,808
Farmers $8,563 $9,149
GEICO $3,918 $3,642
Liberty Mutual $8,754 $13,230
Nationwide $4,739 $6,162
Progressive $9,619 $10,800
State Farm $4,224 $5,421
Travelers $7,775 $12,289
USAA $2,721 $3,047

Buy Cheap Miami, IN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Miami, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,365 $2,591
American Family $1,982 $1,982
Farmers $1,367 $1,534
GEICO $1,253 $1,299
Liberty Mutual $3,662 $3,662
Nationwide $1,428 $1,526
Progressive $1,487 $1,500
State Farm $1,258 $1,258
Travelers $1,177 $1,177
USAA $916 $926

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

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

Annual Auto Insurance Rates by Coverage Level in Miami, Indiana

Insurance Company Low Medium High
Allstate $4,150 $4,329 $4,554
American Family $3,477 $3,639 $3,452
Farmers $3,409 $3,517 $3,641
GEICO $1,833 $1,951 $2,086
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $2,690 $2,623 $2,619
Progressive $3,660 $3,794 $4,086
State Farm $2,182 $2,286 $2,393
Travelers $3,414 $3,511 $3,511
USAA $1,488 $1,538 $1,600

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Find Cheap Miami, IN 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, IN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Miami, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,344 $4,344
American Family $3,480 $3,566
Farmers $3,522 $3,522
GEICO $1,922 $1,991
Liberty Mutual $5,687 $5,998
Nationwide $2,644 $2,644
Progressive $3,846 $3,846
State Farm $2,222 $2,352
Travelers $3,478 $3,478
USAA $1,521 $1,563

Find Cheap Miami, IN Auto Insurance Rates by Driving Record

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

Annual Miami, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,472 $5,091 $4,689 $4,125
American Family $2,427 $3,874 $4,898 $2,891
Farmers $3,149 $3,680 $3,783 $3,477
GEICO $1,287 $2,018 $2,739 $1,781
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,273 $2,932 $2,811 $2,561
Progressive $2,891 $5,038 $3,448 $4,009
State Farm $2,235 $2,445 $2,235 $2,235
Travelers $2,955 $3,652 $4,138 $3,170
USAA $1,166 $1,656 $1,899 $1,446

Find Cheap Miami, IN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Miami, Indiana 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, IN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Miami, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,689
American Family $4,898
Farmers $3,783
GEICO $2,739
Liberty Mutual $8,386
Nationwide $2,811
Progressive $3,448
State Farm $2,235
Travelers $4,138
USAA $1,899

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

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

Best Annual Auto Insurance Rates by Company in Miami, Indiana

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

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Find Cheap Miami, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Miami, Indiana

Insurance Company Average Annual Rates
Allstate $4,344
American Family $3,523
Farmers $3,522
GEICO $1,956
Liberty Mutual $5,842
Nationwide $2,644
Progressive $3,846
State Farm $2,287
Travelers $3,478
USAA $1,542

What affects Miami, Indiana auto insurance rates?

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

Traffic in Miami

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

Compare Auto Insurance Quotes in Miami, IN

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

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