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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$1246 $2213 $4386

Latest Auto Insurance Reviews in Miami Beach, Florida

I 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 Farm
I only have collision insurance so i dont have a deductible. So im not sure what state farm is offering sorry.
I had a positive experience with it. They all did their best to be helpful to me and I liked working with them a lot.
I 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 Bureau
They have great prices on their policies compared to others. They offer payment plans that fit my budget.
Best insurance I’ve ever had, didn’t have to worry about the bill I’d receive a month later after going to the doctor.
I think that USAA is quicker and more comprehensive than other companies, as well as offering very kind service.
My 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 Insurance
The 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 Insurance
The 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.
So 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 Farm
I 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 Insurance
The premiums were a little lower, they have no mercy for individuals who have been in an accident, unfortunately is comes with the territory
State Farm
Pricing 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
The 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.
This company offers pretty much the same thing as the others do. The difference with this company is that they are cheaper than the others.
I earn more discounts than I have at other companies.
available customer service reps used to be affordable
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$5839$422
Emerson Ave2006 Buick Rendezvous CX21 year woman$1816$882
Normandy Shores
Beachview Dr2005 Chrysler Pacifica Base54 year man$3303$506
Coquina Dr2004 Chevrolet Silverado K2500 Heavy Duty83 year male senior$3251$874
Golden Shores
179th Dr2009 Ford Fusion SEL19 year male teenager$5662$656
178th Dr2010 Mazda 3 S68 year female senior$3018$885
Bal Harbor Beach
Bal Bay Dr2009 Acura TSX Base52 year married man$3604$925
96th St2012 Hyundai Sonata GLS17 year teenager$5486$462
Port of Miami
14th St2010 Toyota Prius III84 year senior$3146$850
13th St2013 Honda Civic LX35 year married woman$1754$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


  • 2011 Nissan Rogue SV Male Teenager Insurance Rate $5880
  • 2013 Jeep Wrangler Sport Female Teenager Insurance Rate $4778

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.


  • 2012 Lincoln MKZ Base Married Men Insurance Rate $3392
  • 2013 Volkswagen Beetle 2.5 PZEV Married Women Insurance Rate $3312

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

Miami Beach Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Jeep, Grand Cherokee Overland $500 $2490 $2990 $2360 $2860 $130
Scion, xD $100 $2670 $2770 $2520 $2620 $150
Ford, Fusion SE $400 $2630 $3030 $2510 $2910 $120
Acura, TL SH $1500 $2630 $3130 $2440 $3940 $-810
Infiniti, G37 X $200 $2980 $3180 $2800 $3000 $180