Best Cheap Auto Insurance in Miami, TX (2021)

The average Miami, TX auto insurance rates are $334 per month. The minimum auto insurance in Miami is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Miami, Texas, 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 Miami, Texas is 30/60/25
  • The average commute length in Miami is 17.4 minutes
  • Average auto insurance rates in Miami, TX for senior drivers are $2,440 per year

Miami, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Miami to other Texas cities, including Arlington auto insurance rates, Austin auto insurance rates, and Fort Worth auto insurance rates to see how Miami, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Miami, Texas

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

Minimum Required Auto Insurance Coverage in Miami, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Auto insurance rates in Miami, Texas 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, Texas

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 $3,611 $3,669 $3,570 $3,570 $9,262 $11,278 $4,500 $4,732
American Family $3,780 $4,128 $3,199 $3,605 $7,983 $10,632 $5,064 $5,754
GEICO $2,406 $2,529 $2,193 $2,379 $4,937 $5,209 $2,605 $2,669
Nationwide $2,671 $2,729 $2,351 $2,503 $7,453 $9,632 $3,124 $3,393
Progressive $2,583 $2,427 $2,285 $2,341 $10,558 $11,693 $3,019 $3,019
State Farm $1,776 $1,776 $1,570 $1,570 $4,074 $5,161 $1,918 $1,983
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

Cheap Miami, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Miami, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,262 $11,278
American Family $7,983 $10,632
GEICO $4,937 $5,209
Nationwide $7,453 $9,632
Progressive $10,558 $11,693
State Farm $4,074 $5,161
USAA $4,047 $4,518

Cheap Miami, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Miami, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,570 $3,570
American Family $3,199 $3,605
GEICO $2,193 $2,379
Nationwide $2,351 $2,503
Progressive $2,285 $2,341
State Farm $1,570 $1,570
USAA $1,497 $1,531

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

Annual Miami, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,367 $6,556 $6,805 $4,367
American Family $5,078 $6,341 $5,577 $5,078
GEICO $2,646 $3,395 $2,988 $3,435
Nationwide $3,658 $3,658 $5,466 $4,145
Progressive $4,134 $5,339 $4,833 $4,657
State Farm $2,222 $2,523 $2,948 $2,222
USAA $1,833 $2,638 $3,094 $2,103

Cheap Miami, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Miami, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,805
American Family $5,577
GEICO $2,988
Nationwide $5,466
Progressive $4,833
State Farm $2,948
USAA $3,094

Cheap Miami, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Miami, Texas

Insurance Company Poor Fair Good
Allstate $7,047 $5,140 $4,386
American Family $7,879 $4,650 $4,026
GEICO $4,803 $2,724 $1,820
Nationwide $5,100 $4,065 $3,531
Progressive $5,354 $4,607 $4,261
State Farm $3,512 $2,184 $1,739
USAA $3,624 $2,022 $1,606

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Cheap Miami, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Miami, Texas

ZIP Code Average Annual Rates
79059 $5,775

Cheap Miami, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Miami, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,399 $5,649
American Family $5,518 $5,518
GEICO $3,047 $3,185
Nationwide $4,232 $4,232
Progressive $4,741 $4,741
State Farm $2,479 $2,479
USAA $2,385 $2,449

Cheap Miami, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Miami, Texas

Insurance Company Low Medium High
Allstate $5,431 $5,489 $5,652
American Family $5,281 $5,397 $5,876
GEICO $3,022 $3,096 $3,230
Nationwide $4,596 $4,046 $4,054
Progressive $4,462 $4,707 $5,053
State Farm $2,365 $2,472 $2,598
USAA $2,364 $2,412 $2,475

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Best By Category: Cheapest Auto Insurance in Miami, Texas

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

Best Annual Auto Insurance Rates by Company in Miami, Texas

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

The Cheapest Miami, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Miami, Texas

Insurance Company Average Annual Rates
Allstate $5,524
American Family $5,518
GEICO $3,116
Nationwide $4,232
Progressive $4,741
State Farm $2,479
USAA $2,417

What affects auto insurance rates in Miami, Texas?

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

Miami Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Miami, Texas commute length is 17.4 minutes according to City-Data.

Miami Traffic

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

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Compare Miami, Texas Auto Insurance Quotes

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

Free Auto Insurance Comparison

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