Best Cheap Auto Insurance in Key Biscayne, FL (2021)

The average Key Biscayne, FL auto insurance rates are $557 per month. The minimum auto insurance in Key Biscayne is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Key Biscayne, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Key Biscayne, Florida is 10/20/10
  • The average commute length in Key Biscayne is 26.4 minutes
  • Average auto insurance rates in Key Biscayne, FL for senior drivers are $4,001 per year

Key Biscayne, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Key Biscayne can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Key Biscayne, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Key Biscayne to other Florida cities, including St. Petersburg auto insurance rates, Hialeah auto insurance rates, and Tampa auto insurance rates to see how Key Biscayne, Florida auto insurance rates stack up.

Before you buy Key Biscayne, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Key Biscayne, Florida auto insurance quotes.

Minimum Auto Insurance in Key Biscayne, Florida

Key Biscayne, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Key Biscayne, Florida.

Minimum Required Auto Insurance Coverage in Key Biscayne, 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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Cheap Key Biscayne, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Key Biscayne, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Key Biscayne, 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 $6,394 $6,068 $5,541 $5,613 $22,569 $24,399 $6,279 $6,342
GEICO $3,617 $3,631 $3,379 $3,379 $6,552 $8,229 $3,994 $4,046
Liberty Mutual $6,419 $6,419 $5,847 $5,847 $14,029 $21,831 $6,419 $8,845
Nationwide $4,946 $4,855 $4,379 $4,544 $11,895 $14,588 $5,436 $5,622
Progressive $4,606 $4,355 $3,916 $4,205 $13,067 $14,250 $5,620 $5,373
State Farm $2,805 $2,805 $2,530 $2,530 $7,743 $9,806 $3,118 $3,303
USAA $2,336 $2,308 $2,151 $2,158 $7,894 $9,260 $2,959 $3,230

Cheap Key Biscayne, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Key Biscayne, Florida is a challenge. Take a look at the annual teen auto insurance rates in Key Biscayne, Florida.

Annual Auto Insurance Rates for Teen Drivers in Key Biscayne, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,569 $24,399
GEICO $6,552 $8,229
Liberty Mutual $14,029 $21,831
Nationwide $11,895 $14,588
Progressive $13,067 $14,250
State Farm $7,743 $9,806
USAA $7,894 $9,260

Cheap Key Biscayne, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Key Biscayne, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Key Biscayne, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,541 $5,613
GEICO $3,379 $3,379
Liberty Mutual $5,847 $5,847
Nationwide $4,379 $4,544
Progressive $3,916 $4,205
State Farm $2,530 $2,530
USAA $2,151 $2,158

Cheap Key Biscayne, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Key Biscayne, Florida compared to the annual auto insurance rates with a clean record in Key Biscayne, Florida.

Annual Key Biscayne, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,922 $10,776 $11,968 $9,937
GEICO $3,167 $4,084 $6,143 $5,020
Liberty Mutual $6,772 $8,849 $12,899 $9,309
Nationwide $5,978 $6,591 $8,909 $6,654
Progressive $5,443 $8,101 $6,807 $7,344
State Farm $3,953 $4,707 $4,330 $4,330
USAA $3,193 $3,904 $5,711 $3,340

Cheap Key Biscayne, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Key Biscayne, Florida is not easy. Compare the annual rates for DUI auto insurance in Key Biscayne, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Key Biscayne, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,968
GEICO $6,143
Liberty Mutual $12,899
Nationwide $8,909
Progressive $6,807
State Farm $4,330
USAA $5,711

Cheap Key Biscayne, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Key Biscayne, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Key Biscayne, Florida

Insurance Company Poor Fair Good
Allstate $14,583 $9,196 $7,422
GEICO $6,764 $4,043 $3,004
Liberty Mutual $12,305 $8,916 $7,150
Nationwide $8,942 $6,416 $5,742
Progressive $9,021 $6,421 $5,331
State Farm $5,947 $3,876 $3,167
USAA $6,624 $3,186 $2,301

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Cheap Key Biscayne, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Key Biscayne, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Key Biscayne, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Key Biscayne, Florida

ZIP Code Average Annual Rates
33149 $5,135

Cheap Key Biscayne, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Key Biscayne, Florida auto insurance. Find the cheapest annual Key Biscayne, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Key Biscayne, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $10,104 $10,697
GEICO $4,581 $4,626
Liberty Mutual $9,138 $9,776
Nationwide $7,033 $7,033
Progressive $6,924 $6,924
State Farm $4,173 $4,488
USAA $3,990 $4,084

Cheap Key Biscayne, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Key Biscayne, Florida? Check out the comparison of annual Key Biscayne, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Key Biscayne, Florida

Insurance Company Low Medium High
Allstate $7,949 $10,960 $12,293
GEICO $3,877 $4,750 $5,184
Liberty Mutual $8,817 $9,685 $9,870
Nationwide $5,665 $7,291 $8,143
Progressive $5,886 $7,074 $7,813
State Farm $3,764 $4,421 $4,805
USAA $3,493 $4,180 $4,438

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Best By Category: Cheapest Auto Insurance in Key Biscayne, Florida

Compare the cheapest auto insurance companies in Key Biscayne, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Key Biscayne, Florida

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

The Cheapest Key Biscayne, Florida Auto Insurance Companies

What auto insurance companies in Key Biscayne, Florida are the cheapest? Compare the top Key Biscayne, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Key Biscayne, Florida

Insurance Company Average Annual Rates
Allstate $10,401
GEICO $4,603
Liberty Mutual $9,457
Nationwide $7,033
Progressive $6,924
State Farm $4,330
USAA $4,037

What affects auto insurance rates in Key Biscayne, Florida?

There are a lot of reasons why auto insurance rates in Key Biscayne, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Key Biscayne, Florida. Many local factors may affect your Key Biscayne auto insurance rates.

Key Biscayne Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Key Biscayne, Florida auto theft statistics, there have been 10 auto thefts in the city.

Key Biscayne Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Key Biscayne, Florida commute length is 26.4 minutes according to City-Data.

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Compare Key Biscayne, Florida Auto Insurance Quotes

Before you buy Key Biscayne, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Key Biscayne, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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