Miami Beach, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Miami Beach, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Miami Beach, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Miami Beach, FL Auto Insurance Rates
- Miami Beach, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Miami Beach, FL
- Multi Vehicle Insurance Savings in Miami Beach, FL
- How Credit Score Affects Car Insurance Rates in Miami Beach, FL
- How DUI Affects Auto Insurance Premiums in Miami Beach, FL
- Top Auto Insurance Agents Near Miami Beach, FL
- How Driving Violations Affect Auto Insurance Rates in Miami Beach, FL
- Miami Beach, FL Auto Insurance Discounts on Anti Theft Feature
- Miami Beach, FL Auto Insurance Company Reviews
Miami Beach, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Miami Beach, FL with that of other cities in and around Miami Beach.
| Miami Beach | Surfside | Indian Creek | North Bay Village | Biscayne Park | Bay Harbor Islands | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,324 | $2,675 | $1,687 | $2,281 | $2,427 | $2,405 |
Miami Beach, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Miami Beach, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Miami Beach | $1,038 | $877 |
| Surfside | $1,833 | $1,549 |
| Indian Creek | $1,621 | $1,369 |
| North Bay Village | $1,316 | $1,112 |
| Bay Harbor Islands | $1,319 | $1,114 |
| Bal Harbour | $2,177 | $1,839 |
| Miami Shores | $1,684 | $1,422 |
| Biscayne Park | $2,500 | $2,111 |
Miami Beach, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Miami Beach, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $7,541 |
| 20 Years | $2,986 |
| 30 Years | $2,300 |
| 40 Years | $2,213 |
| 50 Years | $2,049 |
| 60 Years | $2,078 |
| 70 Years | $2,419 |
Miami Beach, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Miami Beach, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $4,044 | $604 |
| 3 Vehicles | $6,066 | $906 |
| 4 Vehicles | $8,088 | $1,208 |
Savings on 2 Vehicles bundle:$604
Savings on 3 Vehicles bundle:$906
Savings on 4 Vehicles bundle:$1,208
Miami Beach, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Miami Beach, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Miami Beach | $2,324 | $3,637 |
| Surfside | $2,675 | $4,187 |
| Indian Creek | $1,687 | $2,640 |
| North Bay Village | $2,281 | $3,570 |
| Bay Harbor Islands | $2,405 | $3,764 |
| Bal Harbour | $2,868 | $4,489 |
| Miami Shores | $2,536 | $3,969 |
| Biscayne Park | $2,427 | $3,798 |
Miami Beach, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,994 |
| Excellent (740-799) | $2,276 |
| Good (670-739) | $2,422 |
| Average (580-669) | $3,159 |
| Poor (300-579) | $3,791 |
Miami Beach, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Alliance Ins Agcy Services Inc | Liberty Mutual Independent | 4444 YORK ST STE 100, METAIRIE, 70001 | 504-831-2196 |
| Amtrust Insurance | Travelers | 9592 HARDING AV, SURFSIDE, 33154 | 305-861-7667 |
| Wilson Washburn & Forster Ins | Travelers | 16505 N W 13TH AVE, MIAMI, 33169 | 305-666-6636 |
| Celedinas Agency, Inc. | None | 1441 Brickell Ave, Ste 1400, Miami, 33131 | None |
| Insurance Connects Inc. | None | 500 Three Island Blvd, Ste 819 Hallendale, Hallandale, 33009 | None |
| Matrix Insurance Group | None | 21355 E Dixie Highway Ste 104, Aventura, 33180 | None |
| Larry Bowen | State Farm | 5241 W Broward Blvd, Plantation, 33317-2610 | 954-792-0330 |
| Cloverleaf Insurance Brokers Inc | Travelers | 18314 NW 7TH AVE, MIAMI, 33169 | 305-655-1006 |
Miami Beach, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$102 | $2,426 |
| Driver's Failure In Showing Documents | +$225 | $2,549 |
| Driving With An Expired Registration | +$239 | $2,563 |
| Driving At A Considerably Slow Pace | +$504 | $2,828 |
| Using A Cellphone While Driving | +$532 | $2,856 |
| Running A Red Light | +$541 | $2,865 |
| Speeding | +$569 | $2,893 |
| Driving A Vehicle Without The Required Permission | +$723 | $3,047 |
| Driving With An Expired/Suspended License | +$1,566 | $3,890 |
Miami Beach, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,231 |
| Active Disabling Device | $2,231 |
| Tracking Device | $2,185 |
| Passive Disabling Device | $2,161 |
Latest Auto Insurance Reviews in Miami Beach, FL | Back to Top
UsaaI regularly recommend USAA to others and encourage them to check and see if parent, grandparent served in the military. What I always say is USAA is the gift you give yourself.
State FarmI only have collision insurance so i dont have a deductible. So im not sure what state farm is offering sorry.
AllstateI had a positive experience with it. They all did their best to be helpful to me and I liked working with them a lot.
ProgressiveI also use them for my car, and again, have never had any issues with the customer service. I have gotten in a single accident while with them, and it was a breeze to take care of with their customer service.
Farm BureauThey have great prices on their policies compared to others. They offer payment plans that fit my budget.
UsaaBest insurance I’ve ever had, didn’t have to worry about the bill I’d receive a month later after going to the doctor.
UsaaI think that USAA is quicker and more comprehensive than other companies, as well as offering very kind service.
GeicoMy deductible is $500 which is good but I only have liability coverage and under-insured motorist protection, which I need. I feel that this is reasonable.
Univista InsuranceThe rates for car insurance are hard to beat. Even with several other car insurance companies in this small town, Farm Bureau is the top runner.
Univista InsuranceThe rates for car insurance are hard to beat. Even with several other car insurance companies in this small town, Farm Bureau is the top runner.
ProgressiveSo far the customer support has been fantastic. I've really only had to reach out once and they were happy to help solve my problem
State FarmI love customer support, my agent or his secretary are always available to assist with all my needs no matter what time or day it is. Just like the commercial shows. I love that they advertise, and follow through.
Affordable Auto InsuranceThe premiums were a little lower, they have no mercy for individuals who have been in an accident, unfortunately is comes with the territory
State FarmPricing is amazing. I also think that the staff is usually really helpful, I haven't had any real problems with them. I also like that they are family ordinate people and they connect with you on a much better and deeper connection
GeicoThe price is the lowest I can find for good benefits. I have had no issues with Geico and I have insured with them for the past 20 years. I have never had an unsatisfactory experience when I called them and the support people have gone out of their way to be helpful.
GeicoThis company offers pretty much the same thing as the others do. The difference with this company is that they are cheaper than the others.
ProgressiveI earn more discounts than I have at other companies.
Usaaavailable customer service reps used to be affordable