Buy Cheap Miramar Beach, FL Auto Insurance (2021)

Miramar Beach, FL auto insurance rates average $300 a month. Minimum auto insurance requirements in Miramar Beach, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Miramar Beach, FL, compare Miramar Beach 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 Miramar Beach, FL after a DUI are $4,279/year
  • The most expensive auto insurance company in Miramar Beach after a DUI is Allstate
  • Average auto insurance rates in Miramar Beach, FL are $300/month

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

See how Miramar Beach, FL car insurance rates compare to Jacksonville auto insurance rates, Orlando auto insurance rates, and St. Petersburg auto insurance rates before you read more about the cost of auto insurance in Miramar Beach.

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

Miramar Beach, FL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Miramar Beach, 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 Miramar Beach, FL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Miramar Beach, Florida

Insurance Company Poor Fair Good
Allstate $8,309 $5,321 $4,360
GEICO $4,214 $2,561 $1,930
Liberty Mutual $5,464 $4,027 $3,278
Nationwide $4,015 $2,960 $2,684
Progressive $5,557 $3,944 $3,302
State Farm $3,449 $2,305 $1,913
USAA $3,217 $1,579 $1,155

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Miramar Beach, 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 $3,676 $3,548 $3,198 $3,271 $12,757 $13,874 $3,778 $3,870
GEICO $2,286 $2,299 $2,138 $2,138 $4,090 $5,166 $2,523 $2,571
Liberty Mutual $2,968 $2,968 $2,725 $2,725 $6,197 $9,506 $2,968 $3,993
Nationwide $2,269 $2,254 $2,028 $2,105 $5,349 $6,638 $2,497 $2,618
Progressive $2,839 $2,701 $2,466 $2,633 $7,957 $8,766 $3,422 $3,357
State Farm $1,624 $1,624 $1,472 $1,472 $4,615 $5,910 $1,791 $1,936
USAA $1,169 $1,153 $1,084 $1,083 $3,837 $4,491 $1,464 $1,589

Buy Cheap Miramar Beach, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Miramar Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,757 $13,874
GEICO $4,090 $5,166
Liberty Mutual $6,197 $9,506
Nationwide $5,349 $6,638
Progressive $7,957 $8,766
State Farm $4,615 $5,910
USAA $3,837 $4,491

Buy Cheap Miramar Beach, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Miramar Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,198 $3,271
GEICO $2,138 $2,138
Liberty Mutual $2,725 $2,725
Nationwide $2,028 $2,105
Progressive $2,466 $2,633
State Farm $1,472 $1,472
USAA $1,084 $1,083

Find Cheap Auto Insurance Rates in Miramar Beach, FL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Miramar Beach, Florida

Insurance Company Low Medium High
Allstate $4,884 $6,248 $6,858
GEICO $2,482 $2,984 $3,238
Liberty Mutual $3,941 $4,315 $4,512
Nationwide $2,603 $3,337 $3,719
Progressive $3,729 $4,348 $4,726
State Farm $2,202 $2,610 $2,856
USAA $1,754 $2,043 $2,154

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Find Cheap Miramar Beach, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Miramar Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,822 $6,171
GEICO $2,887 $2,916
Liberty Mutual $4,121 $4,391
Nationwide $3,220 $3,220
Progressive $4,268 $4,268
State Farm $2,473 $2,638
USAA $1,961 $2,006

Find Cheap Miramar Beach, FL Auto Insurance Rates by Driving Record

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

Annual Miramar Beach, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,177 $6,164 $6,896 $5,750
GEICO $2,031 $2,587 $3,835 $3,154
Liberty Mutual $3,151 $4,009 $5,670 $4,196
Nationwide $2,778 $3,025 $4,011 $3,065
Progressive $3,385 $4,977 $4,186 $4,523
State Farm $2,347 $2,764 $2,556 $2,556
USAA $1,571 $1,918 $2,802 $1,643

Find Cheap Miramar Beach, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Miramar Beach, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,896
GEICO $3,835
Liberty Mutual $5,670
Nationwide $4,011
Progressive $4,186
State Farm $2,556
USAA $2,802

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

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

Best Annual Auto Insurance Rates by Company in Miramar Beach, Florida

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

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Find Cheap Miramar Beach, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Miramar Beach, Florida

Insurance Company Average Annual Rates
Allstate $5,997
GEICO $2,902
Liberty Mutual $4,256
Nationwide $3,220
Progressive $4,268
State Farm $2,556
USAA $1,984

What affects Miramar Beach, Florida auto insurance rates?

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

Commute Times in Miramar Beach

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Miramar Beach, FL is 21.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Miramar Beach, FL

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

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