Miami Beach, FL Auto Insurance Rates

Miami Beach, FL residents can save $890 by comparing multiple quotes & reading reviews & research on Miami Beach car insurance rates, quotes, agents & coverage.

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$1,246 $2,213 $4,386

Latest Auto Insurance Reviews in Miami Beach, Florida


Geico
It's the least expensive I've found for the same, or better, liability coverage. I'm happy with it because I get a discount for paying six months at a time online.
Citizens Property Insurance
My premium is average as far as costs go. It's a necessity so no use complaining about it. My only complaint would be when to pay the premium.
Usaa
It seems as though my premium is affordable, given the coverage that I have. I think the offerings are appropriate and suitable for my needs.
Esurance
The premium with essurance is slightly lower than the premiums with other insurance companies for the same coverage. It is reasonable and there is not a large charge to break the payments up versus paying it for a year at a time.
Allstate
I wish I could have a lower premium. Insurance costs are so high and I feel like I am not getting as much as I should for the money I pay. I think you pay a company enough every year that they should give you the best coverage. Especially when you have no claims to increase costs.
Progressive
The premium is of really good value compared to other insurance agencies that I have looked into. On the flip side, there are some extras that are not included in that price.
Geico
Unfortunately one of the main drivers in my policy got in an accident causing the rate to go up, but it is still competitive with others based on driving history.
Usaa
This is the only company I could find that offered coverage in the US and in the Virgin Islands
Geico
less expensive for the same coverage
Allstate
Honestly I have not look at any competing companies, I have been very satisfied with the rates I have been offered and have not felt the need to look at other providers.
Geico
Compared to other insurance providers, I am able to have a lower deductible and higher coverage for a lower price.
Usaa
I get full coverage for a very good price compared to my old insurance agency.
Geico
Affordable
State Farm
Dependable service without penalty for using
Usaa
available customer service reps used to be affordable
State Farm
My insurance is comparable to other insurance companies.
Usaa
They have an app as well as a very friendly and efficient call center staff. The last time I used a claim I had a tow truck in 10 minutes and I wasn't in an especially well-populated area.
Usaa
I honestly can say that there is not much I would change. I have never had an issue with their customer service and have always been great.
Usaa
There may not be any physical locations for my company, but when you call them, they do everything they possibly can to fix whatever problem you are calling with.
Citizens Property Insurance
Being able to communicate through email is great. Having the ability to text chat and face time is paramount. Being we live in the country, it takes a while to get anywhere.
Geico
I like that it is all auto-pay so I don't have to really think about it. If I need any information, I will just go to the Geico website and see all the information there.
Usaa
I"m apprehensive about calling in to speak with an agent because I feel like I may admonish for my history versus advised for ways to improve my experience.
Usaa
They offered coverage worldwide with affordable premiums and excellent coverage options that I was able to custom fit to my needs. I would recommend them to anyone.
Geico
Prices, coverage, accessibility.
Geico
Well, I don't need comp in order to get roadside assistance. I an PARANOID car no go in the middle of nowhere. My only problem is the deadline.One time left stupid lights on the car and it was in a parking lot so no problem there. 1-hour service.
Usaa
I mostly like the customer service, when we have called in the past they have bent over backward to help us or save us money.
Usaa
I love that USAA takes care of my banking and my insurance at the same time. It is very convenient for me to only have one website/company to deal with so many things at one time.
Geico
I have all the access I can with Geico 24/7. It is great to be able to get in touch with Geico whenever I need to. The policy has been great and the price I pay is definitely worth it.
Citizens Property Insurance
Always willing to help. Never catch any flack from them about why I'm filing a claim. Agents are helpful and courteous and go above and beyond their duty every time I deal with them.
Motorist Insurance
The only thing I like about the company is that it's the cheapest insurance available to me. I plan on looking elsewhere soon though.
Liberty Mutual
I like them because they are not intrusive, I make my payments and they leave me alone. I think their cost is reasonable. I don't have any problems with them.
Geico
I like the prices for my coverage--Geico is very competitive and I feel like they work to get you the best possible rate. They make the claims process quick and easy.
Esurance
the best thing for me about it is that the premium is the lowest I could find and I can combine it with my rental insurance to make it even cheaper
Geico
It is easy to get in contact with the company, people are friendly and helpful. Everything has gone smoothly and I am saving money. No complaints thus far.
Usaa
I personally have no dislikes. I believe you have to be affiliated with the military to use them by blood or marriage so they are not available to everyone. But I would recommend them to anyone who qualifies.
Progressive
I don't dislike anything about the company. I will never go through another company
Geico
I wish the premium were lower. Other than that, I like everything about them.
Geico
I wish I had a lower price on insurance since I barely drive around at all and there is no freaking traffic out here except deer and cattle.
Usaa
Once again, I don't have anything bad to say, I guess I would always like cheaper rates in general.
Usaa
What most people don't like about USAA is that there aren't any physical locations that we could walk into and deal with stuff.
Citizens Property Insurance
Costs are always going up. At least once a year I have an added cost added to my bill and have to call and have them correct it. It gets frustrating at times.
Usaa
I would like it if there was a way to have the best coverage with a more affordable option. I would also like to feel like I can call in to express my concerns openly.
Write Your Review | Miami Beach, Florida Auto Insurance Analysis
Safeco Insurance, Miami Beach, FL
$99/1 month
Car Insurance Policy Holder
  • Divorced 51 Years old Female licensed 14 years ago with Own Chevrolet Malibu LTZ used for Commute to Work or School with estimated annual mileage of 20,001+.
  • bachelors degree & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $10K (Per Person Bodily Injury) / $20K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 25 K Personal Injury Protection
  • 10 K Uninsured Motorists Bodily Injury
  • 20 K Uninsured Motorists Property Damage

Miami Beach Car Insurance Rate Comparisons

Miami Beach, FL's average car insurance of $2213 differs from North Miami Beach (-$823), Fisher Island, FL (-$403), Bal Harbour, FL (-$443) and Florida (-$849)

Miami Beach North Miami Beach Fisher Island, FL Bal Harbour, FL Florida
Median Insurance Rates $2213 -$823 -$403 -$443 -$849

Miami Beach Car Insurance Savings By Neighborhood & Street Area

Miami Beach Driver Street Residence & Car Locations Car Details in Miami Beach Miami Beach Driver Demographics Miami Beach Auto Insurance Estimates Recent Miami Beach Insurance Savings
Indian Creek Village
95th St2002 Cadillac Seville STS18 year female teenager$5,839$422
Emerson Ave2006 Buick Rendezvous CX21 year woman$1,816$882
Normandy Shores
Beachview Dr2005 Chrysler Pacifica Base54 year man$3,303$506
Coquina Dr2004 Chevrolet Silverado K2500 Heavy Duty83 year male senior$3,251$874
Golden Shores
179th Dr2009 Ford Fusion SEL19 year male teenager$5,662$656
178th Dr2010 Mazda 3 S68 year female senior$3,018$885
Bal Harbor Beach
Bal Bay Dr2009 Acura TSX Base52 year married man$3,604$925
96th St2012 Hyundai Sonata GLS17 year teenager$5,486$462
Port of Miami
14th St2010 Toyota Prius III84 year senior$3,146$850
13th St2013 Honda Civic LX35 year married woman$1,754$962

Miami Beach Post DUI Car Insurance Rates

Miami Beach Sunny Isles Beach Biscayne Park Surfside Florida
Median Post DUI Insurance Rate $4116 -$787 -$694 -$694 -$1579
Male Teenager Post DUI Insurance Rate $11070 -$2115 -$1865 -$1865 -$4246
Female Teenager Post DUI Insurance Rate $9878 -$1888 -$1665 -$1665 -$3791

The Post DUI insurance in Miami Beach, FL's is $4116 compared to Sunny Isles Beach (-$787), Biscayne Park (-$694), Surfside (-$694) and Florida (-$1579)

In Miami Beach, a male teenager with Post DUI pays $1192 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2005 Chrysler Pacifica Base in Miami Beach, FL would pay $10016 on auto insurance while a female teenager POST DUI would pay $8935.

Miami Beach Car Insurance by Segment

Miami Beach Teenagers Car Insurance Rates Comparison

4601 Miami Beach Teenagers (3% of total population), 50% Male & 50% Female.

Miami Beach Sunny Isles Beach Miami Fisher Island Florida
All Teenagers $5576 -$1066 +$605 -$1015 -$2139
Male Teenager $5952 -$1137 +$646 -$1084 -$2283
Female Teenager $5311 -$1015 +$576 -$967 -$2038

Miami Beach teenagers pay $5576 in insurance in contrast with Sunny Isles Beach (-$1066), Miami (+$605), Fisher Island (-$1015) and Florida (-$2139). The difference between Male & Female teenagers in Miami Beach is $641

Example

  • 2011 Nissan Rogue SV Male Teenager Insurance Rate $5,880
  • 2013 Jeep Wrangler Sport Female Teenager Insurance Rate $4,778

Miami Beach Men & Women Car Insurance

131653 Miami Beach Adults (100% of total population), 52% Men & 48% Women.

Miami Beach Biscayne Park Sunny Isles Beach Bay Harbor Islands Florida
All Women $2035 -$343 -$389 -$324 -$781
Married Women $1858 -$313 -$355 -$296 -$713
All Men $3651 -$615 -$698 -$582 -$1401
Married Men $3540 -$596 -$676 -$564 -$1358

The typical insurance rate of $3651 that Miami Beach Men pay varies from Biscayne Park (-$615), Sunny Isles Beach (-$698), Bay Harbor Islands (-$582) and Florida (-$1401). In Miami Beach, married men pay $1682 more than married women.

Example

  • 2012 Lincoln MKZ Base Married Men Insurance Rate $3,392
  • 2013 Volkswagen Beetle 2.5 PZEV Married Women Insurance Rate $3,312

Miami Beach Senior Car Insurance

29963 Miami Beach Seniors (22% of total population), 44% Senior Men & 56% Senior Women.

Miami Beach Golden Beach Fisher Island North Bay Village Florida
All Seniors $3275 -$463 -$597 -$1588 -$1257
Senior Men $3363 -$475 -$612 -$1631 -$1290
Senior Women $3186 -$450 -$580 -$1545 -$1222

Miami Beach seniors pay $3275 in insurance compared to Golden Beach (-$463), Fisher Island (-$597), North Bay Village (-$1588) and Florida (-$1257). In Miami Beach, senior men pay $177 more than senior women.

Miami Beach Car Insurance Discounts for Multiple Vehicles

Miami Beach Population with 1 Vehicle 31486 (50% of Miami Beach population), 2 Vehicles 15569 (25% of the Miami Beach population) and 3 vehicles 2249 (4% of the population)

Miami Beach Golden Beach Gladeview Biscayne Park Florida
2 Vehicles $4205 -$595 -$766 -$709 -$1613
3 Vehicles $6418 -$908 -$1169 -$1082 -$2462
4 Vehicles $8631 -$1221 -$1572 -$1455 -$3311