Miami, FL Auto Insurance Rates

Miami, FL residents can save $980 by comparing multiple quotes & reading reviews & research on Miami car insurance rates, quotes, agents & coverage.

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$1694 $2453 $3732

Latest Auto Insurance Reviews in Miami, Florida

Geico has amazing customer service. You can call them and they are very easy to get ahold of, or you can go online and chat with an agent. You can get all of your quotes online they are friendly and very helpful.
I switched from Liberty mutual insurance to AAA insurance. liberty Mutual was charging $250 and I went down to $125.
Their customer service has been great; they once accidentally charged me for a full 6 months instead of a monthly premium and I had no problem getting them to correct the issue.
My car insurance company is USAA and they were super fast at approving me at a great rate. I was able to bundle with other insurance services so I had a great rate from them as well.
I have had an outstanding experience with their customer service.I contacted them via online chat which was very convenient.The person was very helpful and patient.
When a mistake is made they don't hold themselves accountable. They tend to blame the customer and then it is a battle to try and get things made right.
I like that everybody is very friendly. The agent I use is very easy to talk to. He gives me good info. Also, I like that they provide exceptional customer support.
State Farm
I think overall the cost for insurance is too high. I do not like the amount I am paying however other insurance companies are even more expensive. State Farm is very competitive.
USAA performs everything with integrity and makes me feel like they actually empathize with the reasons I am calling or with the claims I am submitting.
I don't like talking on the phone so the ability to do just about everything on Geico's website suits me fine. If I did want to speak to someone they provide numbers. I like being able to handle all my car insurance needs online.
Alfa Insurance
The premium for my insurance coverage is relatively low compared to others. It was the lowest to start with when I first purchased it and because I am a safe driver with no claims I get a lower premium than with other insurers.
Liberty Mutual
It is very easy to get in touch with someone from there. They are only an email or a phone call away
I really don't know because I don't remember the comparison. All I remember is that Geico was more affordable for me.That tells me that their options are no where near as easy or convenient to use.
It is a good service with exemplary offers.
Write Your Review | Miami, Florida Auto Insurance Analysis
State Farm Auto Insurance, Miami, FL
$201/1 month
Car Insurance Policy Holder
  • Single 55 Years old Male licensed 7 years ago with Own Mazda Mazda6s Touring Plus used for Business with estimated annual mileage of 15,001 - 20,000.
  • Doctors & Full 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
Infinity, Miami, FL
Rate : $142/1 month
Oldsmobile Eighty Eight 1996 The car is owned and is used mostly for errands. I don't drive many miles, maybe 5 miles at the most. No accidents, tickets, or suspensions. I got my first license at 19.
I am 25, single, and my neighborhood is pretty safe. I am disabled.
Progressive, Miami, FL
Rate : $45/1 month
Nissan Sentra 2004 I own my car. I have a clean driving history and I have never been in an accident. I first got my drivers license when I was 16 years old.
I'm 28 years old. Single white male. My neighborhood is very safe. My highest education is a Bachelors degree in Sociology. I am a real estate agent.

Miami Car Insurance Rate Comparisons

Miami, FL's average car insurance of $2453 differs from North Westside (-$1293), Brownsville, FL (-$643), West Little River, FL (-$923) and Florida (-$1089)

Miami North Westside Brownsville, FL West Little River, FL Florida
Median Insurance Rates $2453 -$1293 -$643 -$923 -$1089

Miami Car Insurance Savings By Neighborhood & Street Area

Miami Driver Street Residence & Car Locations Car Details in Miami Miami Driver Demographics Miami Auto Insurance Estimates Recent Miami Insurance Savings
Coral Way Village
SW 68th Street Rd2004 Cadillac DeVille DTS42 year woman$2483$431
SW 70th Pl S2007 Acura TSX Base w/Navi19 year female teenager$5964$573
Brickell Hammock
Rickenbacker Cswy2006 Ford Fusion V6 SEL44 year man$3842$464
Rickenbacker Cswy2002 Chevrolet Silverado K2500 Heavy Duty30 year married woman$1985$837
New Tradewinds Trailer Park
Little River Blvd2007 Buick Rendezvous CX46 year married man$3507$920
NW 88th Ter2011 Hyundai Sonata GLS73 year male senior$3667$719
Liberty Square
NW 58th Ter2010 Mazda Mazda3 s Sport82 year female senior$3345$770
NW 58th Ter2008 Audi A6 3.2 quattro16 year male teenager$6819$587
Anchor Mobile Home Park
Hammond Dr2014 Honda Civic LX19 year teenager$5838$727
Thrush Ave2006 Chrysler 300C SRT-8 Base81 year senior$3300$758

Miami Post DUI Car Insurance Rates

Miami Surfside Virginia Gardens Biscayne Park Florida
Median Post DUI Insurance Rate $4562 -$1140 -$2870 -$1140 -$2025
Male Teenager Post DUI Insurance Rate $12272 -$3067 -$7721 -$3067 -$5448
Female Teenager Post DUI Insurance Rate $10949 -$2736 -$6887 -$2736 -$4862

The Post DUI insurance in Miami, FL's is $4562 compared to Surfside (-$1140), Virginia Gardens (-$2870), Biscayne Park (-$1140) and Florida (-$2025)

In Miami, a male teenager with Post DUI pays $1323 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Ford Fusion V6 SEL in Miami, FL would pay $11652 on auto insurance while a female teenager POST DUI would pay $10395.

Miami Car Insurance by Segment

Miami Teenagers Car Insurance Rates Comparison

58237 Miami Teenagers (6% of total population), 51% Male & 49% Female.

Miami Golden Glades Miami Beach Fisher Island Florida
All Teenagers $6181 -$2729 -$605 -$1620 -$2744
Male Teenager $6598 -$2913 -$646 -$1730 -$2929
Female Teenager $5887 -$2599 -$576 -$1543 -$2614

Miami teenagers pay $6181 in insurance in contrast with Golden Glades (-$2729), Miami Beach (-$605), Fisher Island (-$1620) and Florida (-$2744). The difference between Male & Female teenagers in Miami is $711


  • 2013 Nissan Rogue S Male Teenager Insurance Rate $6523
  • 2010 Toyota Prius Female Teenager Insurance Rate $5647

Miami Men & Women Car Insurance

908354 Miami Adults (100% of total population), 48% Men & 52% Women.

Miami Gladeview North Bay Village North Westside Florida
All Women $2256 -$591 -$1208 -$1189 -$1002
Married Women $2060 -$540 -$1103 -$1086 -$915
All Men $4047 -$1061 -$2166 -$2133 -$1797
Married Men $3924 -$1028 -$2100 -$2068 -$1742

The typical insurance rate of $4047 that Miami Men pay varies from Gladeview (-$1061), North Bay Village (-$2166), North Westside (-$2133) and Florida (-$1797). In Miami, married men pay $1864 more than married women.


  • 2013 Dodge Journey SXT Married Men Insurance Rate $3524
  • 2014 Volkswagen Jetta GLI PZEV Married Women Insurance Rate $3675

Miami Senior Car Insurance

183915 Miami Seniors (20% of total population), 43% Senior Men & 57% Senior Women.

Miami Virginia Gardens El Portal North Westside Florida
All Seniors $3630 -$2284 -$818 -$1914 -$1612
Senior Men $3728 -$2345 -$840 -$1965 -$1655
Senior Women $3532 -$2222 -$796 -$1862 -$1568

Miami seniors pay $3630 in insurance compared to Virginia Gardens (-$2284), El Portal (-$818), North Westside (-$1914) and Florida (-$1612). In Miami, senior men pay $196 more than senior women.

Miami Car Insurance Discounts for Multiple Vehicles

Miami Population with 1 Vehicle 144723 (45% of Miami population), 2 Vehicles 94856 (30% of the Miami population) and 3 vehicles 22914 (7% of the population)

Miami Westview Bay Harbor Islands Biscayne Park Florida
2 Vehicles $4661 -$1507 -$1127 -$1165 -$2069
3 Vehicles $7114 -$2300 -$1720 -$1778 -$3158
4 Vehicles $9567 -$3093 -$2313 -$2391 -$4247

Car Insurance Agents in Miami, FL

Rank Agent Name Agent Contact
1 A 1-Stop Insurance Agency 3629 SW 8th St, Miami, FL 33135
2 AAA Insurance 6643 S Dixie Hwy, Miami, FL 33143
3 AAA Insurance Agency 7074 SW 117th Ave Miami, FL 33183
4 A All Southwest Insurance 1827 NE Miami Gardens Dr, Miami, FL 33179
5 A & A Underwriters 8796 SW 8th St, Miami, FL 33174
6 A & A Underwriters Inc 8778 SW 8th St Miami, FL 33174
7 Acceptance Insurance Services 6887 SW 40th St, Miami, FL 33155
8 ACC Hall International 200 SE 1st St Ste 601, Miami, FL 33131
9 Accurate, Inc. 8300 W Flagler St, Miami, FL 33144
10 Admiral Insurance Brokerage 4100 NE 2nd Ave Ste 103, Miami, FL 33137

Miami 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
Fiat, 500 CPop $300 $2970 $3270 $2810 $3110 $160
GMC, Yukon XL Denali $100 $2940 $3040 $2780 $2880 $160
Audi, A6 3.0 Quattro $1000 $2860 $3360 $2730 $3730 $-370
Subaru, Outback 2.5I $500 $2870 $3370 $2740 $3240 $130
Infiniti, M Series M56 $700 $3430 $3930 $3230 $3930 $0