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Miami Car Insurance

How much does car insurance cost in Miami, FL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Miami?

Miami is the seventh-largest city in the United States and it is located in southeastern Florida. Miami is known for its beaches, Art Deco architecture, resort hotels, street art and nightlife. Miami's Biscayne Bay is an ideal spot for boating and water sports. South Beach with its many clubs and hotels is known for nightlife activities. Wynwood Walls is an outdoor museum featuring street art. And LIttle Havana is the place for authentic Cuban cuisine. Being so close to the water, seafood is another excellent choice for dining in Miami.

Miami also has its share of gardens and parks including the Fairchild Tropical Botanic Garden, Bayfront Park, a large waterfront park, Matheson Hammock Park, an urban park south of Coral Gables and Crandon Park which features a carousel, a beach and a nature preserve. Those looking for museums won't be disappointed i. There are many museums throughout Miami. Here are just a few: the Perez Art Museum, Institute of Contemporary Art, Vizcaya Museum and Gardens, HistoryMiami Museum and the Miami Children's Museum.

While there is public transit in Miami, it is nice to drive your own set of wheels. How much are you paying for car insurance? Would you like it to be lower? The key is shopping around. SmartFinancial can help with over 200 partnering insurance companies. All you need to do is fill out a short form to find out which will offer you the lowest rates.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Florida has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Miami typically pay around $270.25 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Florida $186.75
Miami, Florida $270.25

Miami, FL Best Car Insurance Companies

car insurance in Miami

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Mercury Insurance Company generally has the most affordable car insurance in Miami coming in around $179.30 per month. Other companies to consider if you live in Miami is Mercury Insurance with an average cost of $228.95 per month and State Farm which typically runs around $261.11 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Miami.

RankCompanyAverage Monthly RateComparison State Average
1 Mercury Insurance Company $179.30-3.99%
2 Mercury Insurance $228.9522.60%
3 State Farm $261.1139.82%
4 Nationwide $275.0547.28%
5 Direct Auto $305.5363.60%
6 Safeco $307.4264.61%
7 National General $317.4169.97%
8 Liberty Mutual $318.6670.63%
9 Kemper Auto | Infinity $319.6171.14%
10 Allstate $326.5174.84%

How Much is Car Insurance in Miami, FL?

how much is auto insurance in Miami

Rates can vary from city to city. The residents of Fort Lauderdale typically pay $222.99 per month while people who live in Jacksonville will pay $173.55 per month on average. See what people pay for car insurance in other cities in Florida.

Florida CitiesMonthly Average Rate
Fort Lauderdale $222.99
Jacksonville $173.55
Miami $268.73
Orlando $201.40
Tampa $254.26

Cheap Car Insurance in Miami by Zip Codes

find cheap auto insurance in Miami

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Florida. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Miami, FL ZIP CodeAverage Monthly Rate
33101$335.98
33102$362.50
33110$453.10
33114$106.67
33116$270.56
33122$327.73
33124$220.35
33125$300.64
33126$282.03
33127$307.78
33128$302.62
33129$269.31
33130$280.98
33131$223.91
33132$267.08
33133$284.69
33134$244.98
33135$270.37
33136$272.48
33137$230.78
33138$273.55
33142$321.93
33143$225.13
33144$260.51
33145$244.42
33146$233.57
33147$305.90
33150$319.06
33155$237.84
33156$242.36
33157$206.73
33158$191.96
33159$268.98
33161$287.67
33162$281.16
33165$260.49
33166$274.25
33167$284.62
33168$299.57
33169$245.76
33170$269.47
33172$218.16
33173$212.70
33174$280.23
33175$320.31
33176$213.31
33177$263.67
33178$246.16
33179$261.73
33180$257.40
33181$237.17
33182$220.52
33183$272.77
33184$331.26
33185$277.16
33186$244.44
33187$214.98
33189$224.95
33190$302.04
33193$260.32
33194$261.27
33196$239.73
33197$159.73
33199$474.21
33222$501.22
33231$229.66
33247$336.56
33283$375.37

Car Insurance Rates by Driver's Age Group in Miami

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $563.32 per month in Miami. Compare that to drivers in their 30’s who typically pay around $260.61 per month drivers in their 40s at $234.46 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$563.32
20s$331.59
30s$260.61
40s$234.46
50s$195.91
60s$193.74
70+$249.62

Cheapest Insurance for Teenage Drivers in Miami

If you are teen in Miami you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $477.16 per month. This is likely the most affordable option in Miami. You might also want to consider State Farm and Mercury Insurance who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Direct Auto$477.16
State Farm$536.13
Mercury Insurance$627.00
Allstate$675.14
Direct General Insurance$678.24

Cheapest Insurance for 20 Year-olds in Miami

20 year-olds in Miami might want to consider Mercury Insurance Company who, on average, offers car insurance rates around $285.17 per month. Direct Auto , Mercury Insurance , State Farm and Safeco are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Mercury Insurance Company$285.17
Direct Auto$292.13
Mercury Insurance$300.71
State Farm$327.27
Safeco$358.02

Cheapest Insurance for 30 Year-olds in Miami

If you are in your 30s in Miami our research has found that State Farm typically has the most affordable coverage coming in around $232.68 per month, followed by Mercury Insurance at $246.49 and Direct Auto at $274.19.

CompanyAverage Monthly Rate
State Farm$232.68
Mercury Insurance$246.49
Direct Auto$274.19
Allstate$289.76
Nationwide$305.65

Cheapest Insurance for 40 Year-olds in Miami

On average, National General offers car insurance for 40 year-olds in Miami for around $178.50 per month. If you are looking for affordable coverage, you may also want to consider Mercury Insurance Company or Mercury Insurance. The full list of top companies is below.

CompanyAverage Monthly Rate
National General$178.50
Mercury Insurance Company$186.00
Mercury Insurance$216.20
State Farm$227.18
Kemper Auto | Infinity$275.99

Cheapest Insurance for 50 Year-olds in Miami

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Miami we found that Mercury Insurance Company generally offers the most affordable coverage at $109.00 per month.

CompanyAverage Monthly Rate
Mercury Insurance Company$109.00
Mercury Insurance$167.85
State Farm$210.96
National General$217.11
Direct Auto$229.66

Cheapest Insurance for 60 Year-olds in Miami

If you live in Miami and you’re in your 60s, our data indicates that Mercury Insurance Company usually has the best rates at $130.33 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Mercury Insurance Company$130.33
Mercury Insurance$171.23
Nationwide$184.00
National General$197.37
State Farm$201.43

Driver's Coverage Auto Insurance Rates in Miami, FL

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Miami, the average monthly rate for a driver who is currently insured is $235.45 while drivers who are not currently covered will pay around $326.03.

CoverageAverage Monthly Rate
Not Currently Insured $326.03
Currently Insured $235.45

Compare Recent Car Insurance Quotes in Miami

auto insurance quotes in Miami city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Miami a driver of a 2016 Ram 1500 can expect to pay around $167.93 per month while someone that owns a 2016 Ram 1500 may pay around $151.77 per month. Check out the list of recent quotes in Miami below.

VehicleAverage Monthly Rate
2016 Ram 1500$167.93
2016 Ram 1500$151.77
2016 Ram 1500$149.33
2016 Ram 1500$95.43
2016 Ford Fusion$305.55
2016 Nissan Altima$174.23
2016 Nissan Altima$224.07
2016 Nissan Altima$354.60
2016 Nissan Altima$391.65
2019 Nissan Frontier$154.37

FAQ's for Drivers in Miami, FL

driver’s frequently asked question in Miami

Miami Auto Insurance Requirements

You are required to have auto liability insurance coverage in Miami.

What is the Minimum Amount of Liability Coverage Requirement in Miami?

  • $10,000 bodily injury liability coverage per person
  • $20,000 bodily injury liability coverage per accident
  • $10,000 property damage

What is the Blood Alcohol Concentration (BAC) limit in Miami?

The legal blood alcohol content (BAC) level limit is .08% in Florida and is the same in every state. If you have a .08% BAC level limit and you drive a car you could be convicted of a DUI. In Florida, you could face fines up to $1,000, up to six months in jail and 50 hours of community service. After a DUI conviction, your auto insurance rates will go up. How big an increase depends on your insurance company. Insurers view DUI convictions differently and some charge lower rates. SmartFinancial can help you find the auto insurance companies that charge lower rates for DUI convictions.

Can I Register My Car Without Insurance in Miami?

You must have liability insurance coverage when you register a car in Miami. You must have your registration and your liability insurance coverage current at all times. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Florida Department of Financial Services and certified by the Florida State DMV. And there's one more thing. The insurance for your car must be issued in the name of the vehicle registrant.

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Commute Time in Miami, FL

28.1 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Miami, FL

199

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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