Cheapest and Best Car Insurance in Miami Gardens, FL (July 2024)

In Miami Gardens, Florida, GEICO is the cheapest for minimum and full coverage, as well as for families with teens. Mercury offers the best customer service and affordability. Your ideal choice depends on your preferences and coverage needs.

MoneyGeek found that GEICO is Miami Gardens' cheapest car insurance option for minimum coverage.

• GEICO: $762 per year
• Travelers: $976 per year

Farmers has the most expensive minimum coverage policy at $2,450 annually. The $1,688 difference between the cheapest and most expensive rates highlights the importance of comparing car insurance quotes to maximize savings.

Florida law requires minimum coverage limits for auto insurance as follows:

• $10,000 property damage liability per accident
• $10,000 personal injury protection per person

Florida doesn't mandate minimum bodily injury liability coverage. With a basic policy, you won't be covered for bodily injuries in an accident. You’ll have to pay out-of-pocket if the damage exceeds these limits. Make sure to have adequate coverage for such potential expenses.

MoneyGeek found that GEICO offers the cheapest full coverage car insurance in Miami Gardens.

• GEICO: $1,927 per year
• Travelers: $2,095 per year

Direct General Insurance offers the most expensive policy, with an annual premium of $4,291. The difference between the cheapest and the most expensive is $2,364, illustrating why it's crucial to compare rates. Full coverage policies offer more protection and are priced higher than minimum coverage plans.

Full coverage raises the policy limits to $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident. This 100/300/100 policy ensures extensive liability coverage.

Full coverage insurance also includes the following:

• Collision insurance covers repair costs if your car is damaged in a collision with another vehicle or an object like a tree or light pole. It also includes rollover accidents and pothole damage.

• Comprehensive insurance covers theft, weather-related damage, vandalism, fires, natural disasters and being struck by animals like deer.

Leasing or financing a car usually requires full coverage insurance. It's also recommended for new vehicles to protect your investment. However, the extra cost might not be justified for older cars due to their lower value. Determine the amount of car insurance you need to balance adequate coverage with affordable premiums and avoid being underinsured.

MoneyGeek found that the most affordable insurance providers in Miami Gardens for drivers with poor driving records vary by incident type.

• Speeding Ticket: Travelers ($2,937 per year)
• At-Fault Accident: GEICO ($3,064 per year)
• DUI: State Farm ($2,946 per year)

The highest rates for these offenses are from different providers, with Nationwide having the highest annual premium for a DUI at $6,994. Its $4,057 difference from the cheapest company after a speeding ticket shows how particular violations can affect insurance rates.

In Miami Gardens, insurance rates rise with the severity of driving violations due to increased risk. For instance, drivers with a speeding ticket pay an average annual premium of around $4,919, while those with a DUI face nearly $5,614. This highlights the need for drivers with offenses to carefully compare insurance rates to find the most cost-effective coverage.

MoneyGeek found that GEICO offers the cheapest car insurance for teens in Miami Gardens. These rates are for a policy covering two parents and a teenager:

• GEICO: $4,885 per year for female teens and $4,945 per year for male teens
• Nationwide: $5,228 per year for female teens and $5,888 per year for male teens

Progressive offers the most expensive policy for families with female teens at $8,641 annually, $3,756 higher than GEICO. Comparison shopping is crucial when adding high-risk teens to your policy.

In Miami Gardens, young drivers face high car insurance costs when buying an individual policy, averaging $13,244 annually. Adding a teen to a family policy reduces this to $7,120. Insurers view teens as high-risk, making individual policies costly and hard to obtain. Thus, joining a family plan is more affordable and feasible for teens.

MoneyGeek found that GEICO is the top option in Miami Gardens for drivers seeking the cheapest car insurance for military backgrounds.

• GEICO: $1,927 per year
• Travelers: $2,095 per year

Although not the lowest priced, USAA is typically among the more affordable insurers nationwide, specializing in the needs of active-duty military members. While sample quotes for USAA were unavailable, it operates in Florida and is still a competitive option.

Finding the best rates in Miami Gardens is a wise financial decision. However, it requires careful attention — allocate at least 15 minutes per insurer, and plan for over an hour for a thorough comparison of three or more. MoneyGeek's car insurance calculator simplifies this task. Enter details like your age, driving history, credit score, desired coverage level and more to quickly receive an estimate, saving you from the usual lengthy research.

When choosing auto insurance, consider your priorities: cost, service quality and coverage options. Mercury excels in all those factors with these top MoneyGeek scores:

• Best overall: 82 out of 100
• Best for service: 83 out of 100
• Best cheap: 85 out of 100

Mercury leads in overall value, service, and affordability, making it the top choice for Miami Gardens residents seeking comprehensive insurance without compromising cost or quality.

MoneyGeek found that Mercury provides the best car insurance in Miami Gardens with a winning combination of service and value.

• Mercury: MoneyGeek score of 82 out of 100 ($2,821 per year)
• State Farm: MoneyGeek score of 79 out of 100 ($2,596 per year)

Mercury earns the highest MoneyGeek score, driven by its excellent performance in satisfaction and claims.

MoneyGeek found that Mercury is the best option in Miami Gardens for top-notch car insurance focused on customer service.

• Mercury: MoneyGeek score of 83 out of 100 ($2,821 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($2,596 per year)

Mercury excels with top ratings in customer satisfaction and claims handling, key factors contributing to its leading MoneyGeek score. These aspects ensure a positive experience for policyholders, making them feel valued and well-supported when they need assistance.

MoneyGeek found that Mercury is the best option for affordable car insurance in Miami Gardens.

• Mercury: MoneyGeek score of 85 out of 100 ($1,072 per year)
• Travelers: MoneyGeek score of 80 out of 100 ($976 per year)

Mercury stands out with the highest MoneyGeek score in the city, emerging as a clear leader in cost efficiency and customer service.

Miami Gardens' average car insurance cost is $2,961, which is $569 higher than the state average of $2,392. Florida's average premium also exceeds the national average of $1,781 by $611.

Car insurance premiums are heavily influenced by location, reflecting differences in accident rates, theft incidents and claims frequency. Across Florida, premiums vary by city. For instance, Gainesville has the lowest premium at $1,699, contrasting sharply with Hialeah, where premiums are highest at $3,233 — a $1,534 difference. This fact indicates that less densely populated areas often have more affordable rates.