Florida Auto Insurance Rates
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Do you want to learn more about Miami and how to get cheap car insurance? Miami is well-known for its exotic cars, diverse cultures, and diverse range of entertainment options. Miami is a metropolitan powerhouse with over 5 million residents who enjoy visiting the nearby beaches as well as numerous restaurants, clubs, and shops catering to every taste and budget. Florida's traffic laws are strict, but they serve an important purpose in keeping drivers and pedestrians safe. Among the traffic laws is the requirement that all drivers have automobile insurance. That includes you! Fortunately, when it comes to cheap car insurance in Miami, there are numerous options.
Read on for an overview of why car insurance is important, how it works, and how to get the cheapest car insurance Miami has to offer. You'll also find information on driving in Miami, as well as car laws and statistics. These laws influence which auto insurance Miami has and how much it costs.
Finding Cheap Car Insurance in Miami
Did you know that auto insurance rates can vary greatly between companies in the same area? You may believe that the rate offered by an agency will be the same throughout your zip code, but quotes can vary from location to location. Finding the best and cheapest coverage and services can be difficult if you don't have the right resources or an insurer who is looking out for your best interests.
There is no such thing as an average cost for car insurance because there are so many variables and details to consider. Your driving record, the type of vehicle you drive and its age, the distance and locations you travel each day all have an impact. That's before you consider the type of coverage you want and the deductible you're willing to pay for claims in the event of an accident. That is why it is critical to do your research and obtain multiple auto quotes in order to find the best rate.
You've seen the commercials, and you're aware that there are numerous businesses vying for your business. With names like Geico, Progressive, Allstate, and State Farm in the mix, not to mention hundreds or thousands of smaller companies, you may be wondering how you will ever know which insurance provider is right for you.
Fortunately, Miami has a lot to offer in terms of cheap car insurance. Insuroma can help you save time and money when looking for the best car insurance in Miami, FL.
What is the Average Cost of Car Insurance in Miami?
For most drivers with a single car auto policy and a clean driving record, the average cost of car insurance in Miami for state minimum coverage is $1,164 per year. The monthly average for Miami auto insurance should be around $97.
The type of vehicle on your auto policy will also affect the average cost of car insurance in Miami, as shown below:
- Car (Sedan): $1,164
- SUV: $905
- Coupe: $1,178
- Truck: $1,110
- Hybrid: $1,102
Miami Auto Insurance Costs: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
Broward | $1,197 | $922 | $1,203 | $1,148 | $1,133 |
Miami-Dade | $1,244 | $959 | $1,262 | $1,178 | $1,175 |
Palm Beach | $1,050 | $834 | $1,070 | $1,003 | $997 |
If you live in a county other than Miami's three most populous, you may be able to find cheaper auto coverage options in Florida. If you're looking for the average cost of car insurance in Florida, we've broken it down by vehicle type and county below:
Florida County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
Alachua | $811 | $636 | $825 | $768 | $766 |
Baker | $956 | $712 | $929 | $930 | $905 |
Bay | $922 | $723 | $934 | $884 | $874 |
Bradford | $880 | $680 | $876 | $846 | $836 |
Brevard | $925 | $725 | $925 | $898 | $880 |
Broward | $1,197 | $922 | $1,203 | $1,148 | $1,133 |
Calhoun | $1,105 | $787 | $1,007 | $1,105 | $1,055 |
Charlotte | $875 | $686 | $882 | $843 | $831 |
Citrus | $965 | $748 | $957 | $931 | $918 |
Clay | $905 | $686 | $878 | $891 | $862 |
Collier | $885 | $683 | $870 | $870 | $843 |
Columbia | $895 | $696 | $890 | $863 | $851 |
DeSoto | $981 | $757 | $969 | $953 | $934 |
Dixie | $988 | $718 | $923 | $987 | $941 |
Duval | $945 | $749 | $965 | $900 | $896 |
Escambia | $1,008 | $779 | $989 | $973 | $955 |
Flagler | $936 | $728 | $929 | $910 | $891 |
Franklin | $1,046 | $755 | $976 | $1,046 | $995 |
Gadsden | $857 | $662 | $859 | $817 | $812 |
Gilchrist | $980 | $715 | $912 | $986 | $936 |
Glades | $1,026 | $778 | $990 | $1,015 | $979 |
Gulf | $922 | $707 | $917 | $887 | $874 |
Hamilton | $985 | $715 | $920 | $983 | $937 |
Hardee | $1,007 | $774 | $995 | $976 | $956 |
Hendry | $1,091 | $889 | $1,041 | $1,070 | $1,073 |
Hernando | $972 | $758 | $972 | $938 | $924 |
Highlands | $957 | $746 | $965 | $911 | $906 |
Hillsborough | $1,187 | $942 | $1,212 | $1,124 | $1,127 |
Holmes | $960 | $691 | $898 | $956 | $912 |
Indian River | $940 | $737 | $946 | $903 | $893 |
Jackson | $960 | $691 | $898 | $956 | $912 |
Jefferson | $1,002 | $744 | $956 | $1,002 | $954 |
Lafayette | $996 | $720 | $926 | $997 | $948 |
Lake | $915 | $728 | $931 | $873 | $869 |
Lee | $903 | $694 | $889 | $885 | $860 |
Leon | $1,004 | $774 | $1,014 | $956 | $948 |
Levy | $885 | $680 | $874 | $859 | $841 |
Liberty | $1,110 | $810 | $1,038 | $1,105 | $1,080 |
Madison | $956 | $699 | $891 | $960 | $912 |
Manatee | $948 | $754 | $975 | $898 | $897 |
Marion | $887 | $680 | $878 | $862 | $842 |
Martin | $999 | $807 | $1,025 | $956 | $951 |
Miami-Dade | $1,244 | $959 | $1,262 | $1,178 | $1,175 |
Monroe | $1,110 | $820 | $1,049 | $1,119 | $1,058 |
Nassau | $875 | $677 | $872 | $847 | $830 |
Okaloosa | $904 | $694 | $900 | $876 | $856 |
Okeechobee | $991 | $777 | $1,000 | $952 | $940 |
Orange | $954 | $768 | $980 | $911 | $908 |
Osceola | $1,052 | $841 | $1,077 | $994 | $1,000 |
Palm Beach | $1,050 | $834 | $1,070 | $1,003 | $997 |
Pasco | $1,158 | $911 | $1,160 | $1,115 | $1,103 |
Pinellas | $1,157 | $927 | $1,175 | $1,118 | $1,104 |
Polk | $951 | $748 | $967 | $903 | $900 |
Putnam | $1,009 | $778 | $998 | $980 | $960 |
Santa Rosa | $891 | $678 | $880 | $862 | $844 |
Sarasota | $873 | $686 | $881 | $843 | $830 |
Seminole | $934 | $749 | $960 | $887 | $887 |
St. Johns | $881 | $691 | $890 | $848 | $835 |
St. Lucie | $1,019 | $781 | $988 | $1,011 | $974 |
Sumter | $857 | $690 | $871 | $822 | $817 |
Suwannee | $937 | $691 | $892 | $923 | $890 |
Taylor | $995 | $725 | $930 | $994 | $947 |
Union | $874 | $674 | $868 | $841 | $830 |
Volusia | $923 | $713 | $914 | $895 | $878 |
Wakulla | $952 | $713 | $930 | $922 | $902 |
Walton | $850 | $636 | $834 | $817 | $803 |
Washington | $882 | $653 | $856 | $856 | $834 |
Who Needs Auto Insurance in Florida?
A driver's license is only one component of what it takes to hit the road. Legally, everybody needs auto insurance. It is up to you how far you go above the minimum level of coverage, but the state of Florida requires that every registered vehicle have at least $10,000 in personal injury protection and $10,000 in property damage liability coverage. Depending on your driving and legal history, meaning you’ve been in a crash before or have been convicted of certain things, you may be required to purchase additional coverage known as bodily injury liability coverage.
But why is insurance required at all? Nobody wants to be in a car accident, but even fewer want to be in one involving an uninsured driver, especially if the accident was not their fault. The benefit of insurance is that in the event of an accident, you aren’t alone in shouldering the cost of correcting the damage done to the people, vehicles or other property involved. If you were the one who caused the accident, you'll need that insurance to pay for the other party's damages; otherwise, you'll be on your own. Depending on the extent of the damage or injury, you may even find yourself in bankruptcy. On the other hand, if you were not at fault in the accident but the other driver did not have insurance or the money to pay for your damages or injuries, you may find yourself drowning in insurance claims and in a difficult situation getting back on the road. Getting money from them can be a time-consuming and sometimes fruitless process full of messy claims, and you don't want to have to put major repairs on your credit card. You can avoid a lot of headache by making sure that no matter what, you have the coverage that’s right for you. So you should make sure to purchase a coverage plan. But don't worry; we're here to assist you in locating low-cost car insurance in Miami.
How Auto Insurance Works
Purchasing Miami car insurance is simpler when you understand how insurance works. When you buy insurance, you decide how much of a deductible you want to pay for each claim and how much coverage you want, or how much money the insurance company will pay out in the event of an incident or collision. These both have an impact on your insurance premium, which is the amount you pay annually or biannually to activate your policy. A lower deductible means you pay less out of pocket in the event of an accident, so you pay a higher insurance premium. In contrast, the more coverage you want, the higher your premium will be. Paying more upfront with a higher premium can essentially make it so that it costs less to repair things if you get into an accident, which can save you a lot of money in the event of a more costly collision. However, if you never have any accidents and never have to pay a deductible for repairs, it can save you money to carry the cheapest Miami car insurance possible and pay the lowest premiums.
It is important to note that car insurance does not cover routine automobile maintenance or the majority of repairs required by your vehicle due to normal use. Depending on the terms of your policy, it is generally only effective to assist in the resolution of problems caused by accident, theft, or nature. An insurance professional can help you understand your insurance claims and what your policy does and does not cover.
If you're looking for car insurance, Miami has a plethora of agents who can assist you in determining what level of coverage is best for you.
Driving Conditions in Miami
The majority of daily traffic is concentrated on I-95, the main thoroughfare where commuters, tourists, and students all congregate to drive up and down the Florida coast. Another heavily traveled route is the Florida Turnpike. The 95 Express Lane, fortunately, allows the harried commuter to get to his destination faster.
Odd or Unique Driving Laws in Miami
Car insurance in South Florida is generally more expensive than in the rest of the country. Drivers who are pulled over without proof of current car insurance are frequently fined. Uninsured motorist coverage is also essential in Miami, where many people drive without insurance. The city also employs red light cameras to catch drivers who disregard traffic signals.
It is illegal to keep pigs in Miami, and it is also illegal to skateboard at municipal facilities.
Crime Statistics in Miami
According to the FBI, there were 4,237 motor vehicle theft incidents in Miami in 2010. 188 of the stolen vehicles were eventually recovered. In Miami that same year, there were also 8,446 counts of burglary.
According to the FBI, 2,298 vehicles were reported stolen in Miami in 2022, with 19,128 property crimes reported.
Seat Belt Law
According to the Florida Department of Highway Safety and Motor Vehicles, all drivers, front-seat passengers, and passengers under the age of 18 must wear their seat belts to reduce the risk of serious injury. Drivers and passengers over the age of 18 may be cited if they or any passengers under the age of 18 are not properly buckled up. If any passenger under the age of 18 is not restrained by a seat belt or child restraint device, the driver will be charged with a seat belt violation.
Children aged 5 and under are required by Florida law to be restrained in a child restraint device. Children aged four and five must be restrained in a separate carrier, an integrated child seat, or a child booster seat.
Helmet Law
Motorcycle riders under the age of 21 must wear a helmet in Florida. A helmet is not required if you are over the age of 21. If you choose to ride without a helmet, you must have $10,000 in medical payment insurance.
Distracted Driving Law
One of the leading causes of car accidents in Florida is distracted driving. Driving while distracted can result in you running red lights, exceeding the speed limit, or veering out of your lane. Texting and driving is prohibited in Florida. However, using a cellphone while driving is permitted. A first-time violation of the texting-while-driving law is punishable by a $30 fine.
Impaired Driving Law
A driver 21 or older in Florida can be charged with DUI if his or her blood alcohol concentration (BAC) is 0.08 percent or higher. A first-time offender faces up to a year on probation, a one-year license suspension, a $1,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device, and a 10-day vehicle impoundment.
A first-time offense involving a BAC of at least 0.15 percent can result in a year of probation, nine months in jail, a one-year license suspension, a $2,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device, and the impoundment of your vehicle for ten days.
If a driver is under the age of 21, the BAC limit is 0.02 percent. DUI penalties increase if the blood alcohol concentration (BAC) is 0.08 percent or higher.