13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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On average, drivers in Miami, Florida, tend to pay more for car insurance than other Florida drivers. While the average monthly rate for full-coverage car insurance in Florida is $352, Miami drivers pay an overall average of $325 per month. Your location, even down to the ZIP code, plays a significant role in determining insurance costs.
Miami-Dade County reported more than 31,000 car crashes between January and July 2023, and Miami is susceptible to flooding, storm surges, and hurricane-force winds.[1][2] Miami’s weather and accident rates contribute to more filed claims in the area and, thus, higher-than-average rates.
Here’s how you can find affordable car insurance in Miami and what you need to know during the insurance-shopping process.
Quick Facts
Miami’s liability insurance rates are 22% higher than the state average.
Florida’s minimum car insurance requirements are much lower than other states’ requirements — drivers only need personal injury protection (PIP) and property damage liability coverages.[3]
Miami’s extreme weather can cause property damage to vehicles and houses, which can increase car insurance costs in the area.[2]
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Rates start as low as $91 per month for liability coverage
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Cheapest car insurance companies in Miami
When searching for the best car insurance companies in Miami, it’s crucial to carefully assess your unique needs, budget, and circumstances. The cheapest car insurance company for you can vary based on factors such as your driving record, the type of vehicle you own, and your coverage preferences.
Insurify identified the most affordable car insurance companies in Miami and highlighted their standout features.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
State Farm offers liability and full-coverage insurance. It also provides additional coverages, such as medical payments, uninsured/underinsured motorists, rental car reimbursement, and roadside assistance that can give parents of teens peace of mind.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$94/mo
GEICO can help ensure senior drivers feel well taken care of by offering car insurance with affordable rates and personalized service. With 85 years of experience in the industry, GEICO provides seniors with the peace of mind they deserve. It offers free quotes and opportunities for car insurance savings through various discounts.
Pros
Highly rated mobile app
Bundling discounts available
Cons
No gap insurance
Low Trustpilot rating
Good communication
John - February 4, 2023
Verified
They offer the best rate.
Shannon - February 1, 2023
Verified
Any time I called them, they were on top of it and gave me an answer right away.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$158/mo
Allstate car insurance is especially beneficial for drivers facing high insurance rates following an accident. It offers easy access to knowledgeable agents and innovative tools like Drivewise, which can help safe drivers save money on their premiums.
Pros
Offers various discounts
Offers coverage for hybrids and classic cars
Cons
Higher average rates than other insurers
Low Trustpilot rating
Good company, but costs more for premiums
Patricia - February 1, 2023
Verified
My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.
Burl - January 30, 2023
Verified
They’ve given good service, but there were times when things could have been handled a bit more professionally.
Liability-only policies are the bare-minimum required coverages that Florida sets for all drivers, and they cover damages you cause to others in an accident. Liability insurance is typically cheaper than other policies because it’s the least amount of insurance you can legally buy. However, insurance companies still offer different rates to drivers for the same liability insurance policy, so it’s important to compare quotes among different insurers.
The average monthly cost of a liability-only policy in Miami is $297. Here are the cheapest car insurance companies in Miami for liability-only insurance.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Miami
Full-coverage car insurance provides protection beyond liability to include comprehensive coverage and collision coverage. This type of insurance is especially beneficial for drivers with valuable vehicles, people living in areas prone to accidents or theft, or anyone who wants extensive coverage for personal and third-party damages.
On average, Miami drivers pay $352 per month for full coverage. The table below shows the cheapest car insurance companies for full coverage in Miami.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Florida
Like many other states, Florida requires a minimum amount of car insurance for every driver. Drivers must purchase personal injury protection and property damage liability coverages to legally drive.
PIP offers coverage for 80% of medical expenses, up to $10,000, for covered injuries, regardless of fault. And property damage liability pays for damages the insured driver causes. It’s important to maintain continuous coverage, even during periods when the vehicle isn’t in use.
Here are the coverages and minimum policy limits Florida drivers must have:[3]
Coverage
Minimum Requirements
Personal injury protection
$10,000
Property damage liability
$10,000
Note that Florida’s car insurance minimums are extremely low — many other states also require bodily injury liability. If you drive with liability-only insurance, it’s possible that an accident’s damages and injuries exceed these coverage limits. In that case, you’d pay out of pocket for excessive costs.
Drivers should consider these additional coverage options that can provide extra protection:
Collision coverage
Collision coverage pays for vehicle damages from collisions with other vehicles or objects such as tress, fences, and light poles, regardless of fault.
Comprehensive coverage
Comprehensive insurance covers theft and damages resulting from incidents other than collisions, such as fire, vandalism, falling objects, and weather hazards, including floods and hurricanes.
Gap coverage
Gap insurancecovers the financial gap between your auto loan balance and insurance settlement in the event of a total loss, which is particularly useful if you financed or leased a vehicle.
Glass coverage
Glass coverage is a great option for protection from windshield and glass damage. In Florida, glass coverage has no deductible for windshield replacement, and some policies offering no-deductible coverage for side windows, rear windows, and glass sunroofs.
“Insurance companies assess your driving history, including any traffic violations, accidents, or claims you have made in the past,” says Mariano Demarin, president of Home Port Insurance Group. “If you have a history of accidents, speeding tickets, or other violations, insurance companies perceive you as a higher risk and may charge higher premiums as a result. Overall, it’s crucial to maintain a safe driving record to potentially qualify for more favorable car insurance rates.”
While the overall monthly average for Miami drivers with a clean record is $325, those with an incident on their motor vehicle records pay an average of $384 per month.
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Cheapest car insurance for drivers with a speeding ticket
When you receive a speeding ticket, brace yourself for potential car insurance rate increases for several years. Speeding violations indicate a higher risk of accidents and claims. Consequently, insurance premiums are likely to spike as a result of a speeding ticket on your record.[4]
If you get a speeding ticket in Miami, you can expect your premiums to range around $383 per month. Here is a list of cheap car insurance companies for drivers with a speeding ticket in Miami.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
Your car insurance rates can also skyrocket following an at-fault accident. Insurance companies worry that drivers with at-fault accidents on their records are more likely to file future claims, which leads to higher rates to help balance out that risk.[4] During the first half of 2023, Miami-Dade County reported 196,000 car crashes, which is much more than neighboring Broward and Monroe counties combined.[1]
The overall average cost of car insurance for Miami drivers with an at-fault accident is $414 per month. If you’re seeking the cheapest average car insurance companies for Miami drivers with an at-fault accident on their record, consult the table below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Getting a DUI can lead to a substantial increase in your car insurance rates, as car insurance companies view DUI convictions as a major red flag, signifying a high-risk driver prone to accidents and claims.
It’s important to prioritize responsible and sober driving to avoid DUIs and keep your insurance costs in check — and to keep yourself and other drivers safe on the road. If you have a DUI conviction in Florida, the state may require you to buy FR-44 insurance, which raises your liability requirements for at least three years.[5]
The overall average cost of car insurance with a DUI in Miami is $479 per month. If you’re looking for the cheapest car insurance companies in Miami for drivers with a DUI on their record, check out the table below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Generally, as drivers accumulate experience and enter their mid-30s, rates tend to decline. However, there is a shift around the age of 70, as premiums may see a slight rise due to considerations like potential health concerns and increased likelihood of accidents.[6]
Rates for senior drivers average $74 for liability coverage in Miami. The table below shows the insurers with the cheapest quotes for senior drivers in Miami.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Car insurance rates for teenagers and young adults are often considerably higher than those for older drivers, primarily due to their lack of experience and increased risk factors.[7] One effective method of securing affordable car insurance as a teenager is to remain on a parent’s insurance policy, as it typically offers more favorable rates.
Additionally, opting for a safe and reliable vehicle equipped with excellent safety features and maintaining good academic performance to qualify for good student or student away at school discounts can help teens get their hands on affordable insurance rates.
Rates for teen drivers in Miami start at $144 per month for liability coverage. Take a look at the table below for some of the lowest average car insurance quotes available for teens in Miami, based on Insurify data.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Miami
Getting affordable car insurance requires a little research on your part. Consider your budget, coverage needs, and vehicle type while you search for car insurance quotes. While you’re shopping for the most affordable rates in Miami, keep these helpful tips in mind:
Drive responsibly. Practice safe driving habits, comply with traffic laws, and steer clear of accidents and violations to maintain a clean driving record, as this can lower your insurance rates.
Bundle insurance policies. Consider bundling your car insurance with other policies, like renters insurance or homeowners insurance, to potentially qualify for discounts on multiple policies.
Ask about discounts. Don’t forget to inquire about available discounts, such as those for good driving habits, safety features, or good grades if there’s a teenager in your household.
Compare multiple quotes. Take the time to shop around and compare car insurance quotes in Miami from various insurance companies, leveraging platforms like Insurify to find a car insurance rate that suits your specific needs.
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Miami car insurance quotes by credit tier
Florida auto insurance companies can use credit history to generate a credit-based insurance score that they use when determining insurance rates, although it can’t be the only factor insurers use.[8] Credit-based insurance scores play a crucial role in determining premiums, and people with excellent or good credit scores typically have lower rates due to their lower perceived risk. Conversely, drivers with poor credit scores may face higher premiums, reflecting their higher perceived risk.
This table outlines the average monthly quotes for car insurance for Miami drivers with different credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Miami?
The average cost of full-coverage car insurance in the U.S. is $253 a month. However, Miami residents encounter a remarkably high average monthly premium of $352 for comparable coverage.
Car insurance rates can vary significantly based on a number of factors, like weather conditions, crime rates, and traffic volume specific to each city.[7] Compared to Miami, drivers in Fort Myers typically enjoy slightly lower monthly premiums, averaging $262 for full coverage, while Tampa drivers tend to face higher expenses, with an average of $377.
More cities in Miami
Miami stands out as one of the more expensive cities in Florida for car insurance rates. This higher average rate is likely due to the fact that Miami reported more instances of reckless driving than other Florida cities, like Winter Haven.[9] Fraud schemes, severe weather conditions, numerous accident-related court cases, a high volume of uninsured drivers, and higher medical and vehicle repair costs also contribute to Miami's higher rates.
The following data compares average full-coverage car insurance quotes in Miami with other major cities across Florida.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Miami car insurance FAQs
High-risk drivers in Florida should carefully research car insurance options for the best rates that meet their coverage needs. Additionally, Insurify answers some common questions about Miami car insurance below.
How much is car insurance in Miami?
The average cost of car insurance in Miami is $297 a month for liability-only insurance and $352 a month for full-coverage insurance.
What are the cheapest car insurance companies in Miami?
State Farm has the cheapest car insurance rates in Miami, with rates for liability coverage as low as $91 per month. GEICO and Hugo also offer affordable liability insurance in Miami, with rates of $94 and $99, respectively.
What are the best car insurance companies in Miami?
Some of the best car insurance companies in Miami include Allstate, GEICO, and State Farm. While Insurify identified these insurers as the top companies, the best one for you depends on your budget and coverage needs. Make sure you compare quotes from at least three different insurers at the same coverage levels to find the best rate for your unique situation.
Why is auto insurance so expensive in Miami?
Auto insurance is expensive in Miami compared to other Florida cities and the state average because of its accident rates and severe weather events. Miami-Dade County reported more than 31,000 car crashes in the first half of 2023, and the Miami area is susceptible to flooding and storms.[1][2]
Is Florida a no-fault state?
Yes. Florida is a no-fault state. This means that drivers file claims with their respective insurance companies for compensation and reimbursement for injuries after an accident.[10]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
State Farm
GEICO
Allstate
