Miami, FL Auto Insurance Rates

Miami, FL residents can save $980 by comparing multiple quotes & reading reviews & research on Miami car insurance rates, quotes, agents & coverage.

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$1,694 $2,453 $3,732

Latest Auto Insurance Reviews in Miami, 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, Florida Auto Insurance Analysis
State Farm Auto Insurance, Miami, FL
$201/1 month
Car Insurance Policy Holder
  • Single 55 Years old Male licensed 7 years ago with Own Mazda Mazda6s Touring Plus used for Business with estimated annual mileage of 15,001 - 20,000.
  • Doctors & Full 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
Infinity, Miami, FL
Rate : $142/1 month
Oldsmobile Eighty Eight 1996 The car is owned and is used mostly for errands. I don't drive many miles, maybe 5 miles at the most. No accidents, tickets, or suspensions. I got my first license at 19.
I am 25, single, and my neighborhood is pretty safe. I am disabled.
Progressive, Miami, FL
Rate : $45/1 month
Nissan Sentra 2004 I own my car. I have a clean driving history and I have never been in an accident. I first got my drivers license when I was 16 years old.
I'm 28 years old. Single white male. My neighborhood is very safe. My highest education is a Bachelors degree in Sociology. I am a real estate agent.

Miami Car Insurance Rate Comparisons

Miami, FL's average car insurance of $2453 differs from North Westside (-$1293), Brownsville, FL (-$643), West Little River, FL (-$923) and Florida (-$1089)

Miami North Westside Brownsville, FL West Little River, FL Florida
Median Insurance Rates $2453 -$1293 -$643 -$923 -$1089

Miami Car Insurance Savings By Neighborhood & Street Area

Miami Driver Street Residence & Car Locations Car Details in Miami Miami Driver Demographics Miami Auto Insurance Estimates Recent Miami Insurance Savings
Coral Way Village
SW 68th Street Rd2004 Cadillac DeVille DTS42 year woman$2,483$431
SW 70th Pl S2007 Acura TSX Base w/Navi19 year female teenager$5,964$573
Brickell Hammock
Rickenbacker Cswy2006 Ford Fusion V6 SEL44 year man$3,842$464
Rickenbacker Cswy2002 Chevrolet Silverado K2500 Heavy Duty30 year married woman$1,985$837
New Tradewinds Trailer Park
Little River Blvd2007 Buick Rendezvous CX46 year married man$3,507$920
NW 88th Ter2011 Hyundai Sonata GLS73 year male senior$3,667$719
Liberty Square
NW 58th Ter2010 Mazda Mazda3 s Sport82 year female senior$3,345$770
NW 58th Ter2008 Audi A6 3.2 quattro16 year male teenager$6,819$587
Anchor Mobile Home Park
Hammond Dr2014 Honda Civic LX19 year teenager$5,838$727
Thrush Ave2006 Chrysler 300C SRT-8 Base81 year senior$3,300$758

Miami Post DUI Car Insurance Rates

Miami Surfside Virginia Gardens Biscayne Park Florida
Median Post DUI Insurance Rate $4562 -$1140 -$2870 -$1140 -$2025
Male Teenager Post DUI Insurance Rate $12272 -$3067 -$7721 -$3067 -$5448
Female Teenager Post DUI Insurance Rate $10949 -$2736 -$6887 -$2736 -$4862

The Post DUI insurance in Miami, FL's is $4562 compared to Surfside (-$1140), Virginia Gardens (-$2870), Biscayne Park (-$1140) and Florida (-$2025)

In Miami, a male teenager with Post DUI pays $1323 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Ford Fusion V6 SEL in Miami, FL would pay $11652 on auto insurance while a female teenager POST DUI would pay $10395.

Miami Car Insurance by Segment

Miami Teenagers Car Insurance Rates Comparison

58237 Miami Teenagers (6% of total population), 51% Male & 49% Female.

Miami Golden Glades Miami Beach Fisher Island Florida
All Teenagers $6181 -$2729 -$605 -$1620 -$2744
Male Teenager $6598 -$2913 -$646 -$1730 -$2929
Female Teenager $5887 -$2599 -$576 -$1543 -$2614

Miami teenagers pay $6181 in insurance in contrast with Golden Glades (-$2729), Miami Beach (-$605), Fisher Island (-$1620) and Florida (-$2744). The difference between Male & Female teenagers in Miami is $711

Example

  • 2013 Nissan Rogue S Male Teenager Insurance Rate $6,523
  • 2010 Toyota Prius Female Teenager Insurance Rate $5,647

Miami Men & Women Car Insurance

908354 Miami Adults (100% of total population), 48% Men & 52% Women.

Miami Gladeview North Bay Village North Westside Florida
All Women $2256 -$591 -$1208 -$1189 -$1002
Married Women $2060 -$540 -$1103 -$1086 -$915
All Men $4047 -$1061 -$2166 -$2133 -$1797
Married Men $3924 -$1028 -$2100 -$2068 -$1742

The typical insurance rate of $4047 that Miami Men pay varies from Gladeview (-$1061), North Bay Village (-$2166), North Westside (-$2133) and Florida (-$1797). In Miami, married men pay $1864 more than married women.

Example

  • 2013 Dodge Journey SXT Married Men Insurance Rate $3,524
  • 2014 Volkswagen Jetta GLI PZEV Married Women Insurance Rate $3,675

Miami Senior Car Insurance

183915 Miami Seniors (20% of total population), 43% Senior Men & 57% Senior Women.

Miami Virginia Gardens El Portal North Westside Florida
All Seniors $3630 -$2284 -$818 -$1914 -$1612
Senior Men $3728 -$2345 -$840 -$1965 -$1655
Senior Women $3532 -$2222 -$796 -$1862 -$1568

Miami seniors pay $3630 in insurance compared to Virginia Gardens (-$2284), El Portal (-$818), North Westside (-$1914) and Florida (-$1612). In Miami, senior men pay $196 more than senior women.

Miami Car Insurance Discounts for Multiple Vehicles

Miami Population with 1 Vehicle 144723 (45% of Miami population), 2 Vehicles 94856 (30% of the Miami population) and 3 vehicles 22914 (7% of the population)

Miami Westview Bay Harbor Islands Biscayne Park Florida
2 Vehicles $4661 -$1507 -$1127 -$1165 -$2069
3 Vehicles $7114 -$2300 -$1720 -$1778 -$3158
4 Vehicles $9567 -$3093 -$2313 -$2391 -$4247

Car Insurance Agents in Miami, FL

Rank Agent Name Agent Contact
1 A 1-Stop Insurance Agency 3629 SW 8th St, Miami, FL 33135
2 AAA Insurance 6643 S Dixie Hwy, Miami, FL 33143
3 AAA Insurance Agency 7074 SW 117th Ave Miami, FL 33183
4 A All Southwest Insurance 1827 NE Miami Gardens Dr, Miami, FL 33179
5 A & A Underwriters 8796 SW 8th St, Miami, FL 33174
6 A & A Underwriters Inc 8778 SW 8th St Miami, FL 33174
7 Acceptance Insurance Services 6887 SW 40th St, Miami, FL 33155
8 ACC Hall International 200 SE 1st St Ste 601, Miami, FL 33131
9 Accurate, Inc. 8300 W Flagler St, Miami, FL 33144
10 Admiral Insurance Brokerage 4100 NE 2nd Ave Ste 103, Miami, FL 33137

Find the Cheapest auto insurance in Miami, FL