Miami Gardens, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Miami Gardens, 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.
Top 5 Car Insurance Companies by Market Share in Miami Gardens, FL
The average cost of auto insurance in Miami Gardens, FL, is $2,307. This is much higher than the average cost of auto insurance in neighboring places such as Miami Gardens Base, Goulds, Princeton-Goulds. The cost depends on numerous factors, including the driver’s age and the make and model of the car. Car owners in Miami Gardens can save more by comparing multiple auto insurance quotes from different insurers. Below is a list of the top five auto insurance companies in Miami Gardens, FL.
GEICO:
GEICO leads the way in Florida, with a market share of 25.23%. It has 5,160,726 direct premiums written, and 5,081,055 direct premiums earned. GEICO continues to bring innovations into the field of insurance, the latest being its virtual assistant, KATE. GEICO has an A.M. Best rating of A++ and a J.D. Power rating of 827/1000 in Florida.
PROGRESSIVE:
Progressive is second on this list, with an A.M. Best Rating of A+ and a J.D. Power rating of 809/1000. It has a massive 3,749,329 direct premiums written, and 3,582,160 direct premiums earned. This earns Progressive a market share of 18.30% in Florida.
STATE FARM:
State Farm has a market share of 14.70%, with a J.D. Power rating of 834/1000, in Florida. The company also has an A.M. Best rating of A++. State Farm has 3,014,788 direct premiums written, and 3,047,953 direct premiums earned in Florida. State Farm makes it easy to shop for insurance with an immensely customer-friendly online portal.
ALLSTATE:
Allstate has 1,897,567 direct premiums written and 1,880,647 direct premiums earned. The company has a market share of 9.28% in Florida. Allstate also has an A.M. Best rating of A+ and a J.D. Power rating of 847/1000.
USAA:
USAA completes this list with a market share of 7.07%. It has 1,445,356 direct premiums written, and 1,431,650 direct premiums earned. This has earned USAA an A.M. Best rating of A++ and a J.D. Power Rating of 898/1000. This is the highest rating in Florida.
Factors that can influence the cost of car insurance in Miami Gardens, 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 Gardens, FL Auto Insurance Rates
- Miami Gardens, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Miami Gardens, FL
- Multi Vehicle Insurance Savings in Miami Gardens, FL
- How Credit Score Affects Car Insurance Rates in Miami Gardens, FL
- How DUI Affects Auto Insurance Premiums in Miami Gardens, FL
- How Driving Violations Affect Auto Insurance Rates in Miami Gardens, FL
- Miami Gardens, FL Auto Insurance Discounts on Anti Theft Feature
Miami Gardens, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Miami Gardens, FL with that of other cities in and around Miami Gardens.
| Miami Gardens | Westview | Golden Glades | Country Club | Ojus | Opa-locka | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,140 | $2,148 | $2,153 | $2,176 | $2,161 | $2,080 |
Miami Gardens, 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 Gardens, 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 Gardens | $1,019 | $860 |
| Opa-locka | $1,976 | $1,669 |
| Golden Glades | $1,731 | $1,462 |
| Ives Estates | $1,008 | $852 |
| Country Club | $1,230 | $1,039 |
| West Park | $2,009 | $1,697 |
| Westview | $1,075 | $908 |
| Ojus | $1,085 | $916 |
Miami Gardens, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Miami Gardens, 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 | $6,944 |
| 20 Years | $2,750 |
| 30 Years | $2,118 |
| 40 Years | $2,038 |
| 50 Years | $1,887 |
| 60 Years | $1,913 |
| 70 Years | $2,227 |
Miami Gardens, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Miami Gardens, 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 | $3,638 | $642 |
| 3 Vehicles | $5,457 | $963 |
| 4 Vehicles | $7,276 | $1,284 |
Savings on 2 Vehicles bundle:$642
Savings on 3 Vehicles bundle:$963
Savings on 4 Vehicles bundle:$1,284
Miami Gardens, 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 Gardens, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Miami Gardens | $2,140 | $3,349 |
| Opa-locka | $2,080 | $3,255 |
| Golden Glades | $2,153 | $3,370 |
| Ives Estates | $2,120 | $3,318 |
| Country Club | $2,176 | $3,406 |
| West Park | $2,140 | $3,349 |
| Westview | $2,148 | $3,362 |
| Ojus | $2,161 | $3,382 |
Miami Gardens, 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) | $1,836 |
| Excellent (740-799) | $2,096 |
| Good (670-739) | $2,230 |
| Average (580-669) | $2,909 |
| Poor (300-579) | $3,491 |
Miami Gardens, 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 | +$94 | $2,234 |
| Driver's Failure In Showing Documents | +$208 | $2,348 |
| Driving With An Expired Registration | +$220 | $2,360 |
| Driving At A Considerably Slow Pace | +$464 | $2,604 |
| Using A Cellphone While Driving | +$490 | $2,630 |
| Running A Red Light | +$499 | $2,639 |
| Speeding | +$524 | $2,664 |
| Driving A Vehicle Without The Required Permission | +$666 | $2,806 |
| Driving With An Expired/Suspended License | +$1,442 | $3,582 |
Miami Gardens, 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 | $2,054 |
| Active Disabling Device | $2,054 |
| Tracking Device | $2,012 |
| Passive Disabling Device | $1,990 |