Best Cheap Auto Insurance in Miami, FL (2021)

The average Miami, FL auto insurance rates are $590 per month. The minimum auto insurance in Miami is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Miami, 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: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Miami, FL for senior drivers are $4,280 per year
  • The minimum auto insurance required in Miami, Florida is 10/20/10
  • The most expensive auto insurance company in Miami for teen drivers is Allstate

Miami, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Miami 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 Miami, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Miami to other Florida cities, including Hialeah auto insurance rates, Tampa auto insurance rates, and Miami auto insurance rates to see how Miami, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Miami, Florida

Miami, 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 Miami, Florida.

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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Cheap Miami, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Miami, 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 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

Cheap Miami, Florida Auto Insurance for Teen Drivers

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

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

Cheap Miami, Florida Auto Insurance for Seniors

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

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

Cheap Miami, 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 Miami, Florida compared to the annual auto insurance rates with a clean record in Miami, Florida.

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

Cheap Miami, Florida Auto Insurance Rates After a DUI

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

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

Cheap Miami, Florida Auto Insurance By Credit History

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

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

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Cheap Miami, Florida Auto Insurance Rates By ZIP Code

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

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

Cheap Miami, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Miami, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Miami, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Miami, Florida? Check out the comparison of annual Miami, Florida 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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Best By Category: Cheapest Auto Insurance in Miami, Florida

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

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

The Cheapest Miami, Florida Auto Insurance Companies

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

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 auto insurance rates in Miami, Florida?

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

Miami Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Miami, Florida auto theft statistics, there have been 1,644 auto thefts in the city.

Miami Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Miami, Florida commute length is 29.8 minutes according to City-Data.

Miami Traffic

How does Miami, Florida rank for traffic? According to Inrix Miami, Florida is the 60th most congested worldwide.

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Compare Miami, Florida Auto Insurance Quotes

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