Miami Beach Auto Insurance Rates, Quotes, Agents & Reviews in FL

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.

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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 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

Usaa
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.
Allstate
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.
Progressive
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.
Usaa
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.
Usaa
I think that USAA is quicker and more comprehensive than other companies, as well as offering very kind service.
Geico
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.
Progressive
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
Geico
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.
Geico
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.
Progressive
I earn more discounts than I have at other companies.
Usaa
available customer service reps used to be affordable