Best Cheap Auto Insurance in Miami Gardens, FL (2021)

The average Miami Gardens, FL auto insurance rates are $581 per month. The minimum auto insurance in Miami Gardens is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Miami Gardens, 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 most expensive auto insurance company in Miami Gardens for teen drivers is Allstate
  • The average commute length in Miami Gardens is 32.7 minutes
  • The cheapest auto insurance company in Miami Gardens is USAA

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

Compare auto insurance in Miami Gardens to other Florida cities, including St. Petersburg auto insurance rates, Jacksonville auto insurance rates, and Tallahassee auto insurance rates to see how Miami Gardens, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Miami Gardens, Florida

Miami Gardens, 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 Gardens, Florida.

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

Auto insurance rates in Miami Gardens, 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 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

Cheap Miami Gardens, Florida Auto Insurance for Teen Drivers

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

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

Cheap Miami Gardens, Florida Auto Insurance for Seniors

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

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

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

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

Cheap Miami Gardens, Florida Auto Insurance Rates After a DUI

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

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

Cheap Miami Gardens, Florida Auto Insurance By Credit History

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

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

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Cheap Miami Gardens, Florida Auto Insurance Rates By ZIP Code

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

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

Cheap Miami Gardens, Florida Auto Insurance Rates By Commute

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

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

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

Cheap Miami Gardens, Florida Auto Insurance Rates By Coverage Level

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

Compare the cheapest auto insurance companies in Miami Gardens, 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 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

The Cheapest Miami Gardens, Florida Auto Insurance Companies

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

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 auto insurance rates in Miami Gardens, Florida?

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

Miami Gardens 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 Gardens, Florida auto theft statistics, there have been 466 auto thefts in the city.

Miami Gardens Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Miami Gardens, Florida commute length is 32.7 minutes according to City-Data.

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Compare Miami Gardens, Florida Auto Insurance Quotes

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