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The best and cheapest insurer for you will vary based on your coverage needs and driver profile. GEICO offers the cheapest minimum and full coverage car insurance in Miami Gardens. It is also the cheapest option for teen and military drivers, as well as those with an at-fault accident history. State Farm is the most affordable option for those with speeding tickets and DUI records.

In terms of the best providers, GEICO offers the best overall full coverage policies and minimum coverage policies, while Travelers is our top pick for customer service.

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2023

Cheapest and Best Car Insurance in Miami Gardens, FL

Cheapest Minimum Liability Car Insurance in Miami Gardens

In Miami Gardens, these insurers offer the cheapest minimum coverage policies:

  • GEICO: $578 per year
  • Travelers: $1,002 per year

Direct General Insurance charges the most expensive rates for a minimum coverage policy at $1,746 per year. Although GEICO is the cheapest insurer in Miami Gardens, State Farm offers the cheapest minimum coverage insurance in Florida at $507 per year. This is $71 less than the cheapest rate in Miami Gardens, showing how location can impact the cost of your insurance.

Company
Annual Premium
Monthly Premium

GEICO

$533

$44

GEICO

$578

$48

GEICO

$768

$64

Travelers

$944

$79

Nationwide

$972

$81

State Farm

$985

$82

Mercury

$996

$83

Travelers

$1,002

$83

Nationwide

$1,027

$86

Mercury

$1,060

$88

Farmers

$1,063

$89

State Farm

$1,065

$89

Travelers

$1,079

$90

Farmers

$1,111

$93

Nationwide

$1,186

$99

Allstate

$1,188

$99

State Farm

$1,196

$100

Allstate

$1,215

$101

Allstate

$1,220

$102

Farmers

$1,248

$104

Mercury

$1,343

$112

GEICO

$1,365

$114

GEICO

$1,472

$123

Progressive

$1,481

$123

Progressive

$1,529

$127

Direct General Insurance

$1,660

$138

Progressive

$1,730

$144

Direct General Insurance

$1,746

$146

State Farm

$1,753

$146

State Farm

$1,917

$160

Travelers

$2,033

$169

Nationwide

$2,036

$170

GEICO

$2,088

$174

Direct General Insurance

$2,100

$175

Farmers

$2,116

$176

Mercury

$2,147

$179

Travelers

$2,174

$181

Nationwide

$2,205

$184

State Farm

$2,239

$187

Farmers

$2,293

$191

Mercury

$2,318

$193

Travelers

$2,477

$206

Progressive

$2,584

$215

Nationwide

$2,616

$218

Farmers

$2,646

$221

Allstate

$2,669

$222

Allstate

$2,693

$224

Progressive

$2,706

$226

Allstate

$2,795

$233

Mercury

$3,127

$261

Progressive

$3,196

$266

Direct General Insurance

$3,222

$268

Direct General Insurance

$3,307

$276

Direct General Insurance

$4,257

$355

Liability-only policies in Florida are required to have property damage liability and personal injury protection. In Florida, the following limits are required:

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

Property damage liability in minimum coverage policies only covers damages to the other party’s vehicle. A policy with the coverage limits included above would help cover damages to the other vehicle of up to $10,000 per accident. You will be responsible for any costs exceeding this amount. This policy will also pay for you or your passenger’s medical expenses up to $10,000 with personal injury protection.

Cheapest Full Coverage Car Insurance in Miami Gardens

The following insurers offer the cheapest rates for full coverage policies in Miami Gardens:

  • GEICO: $1,472 per year
  • State Farm: $1,917 per year

Direct General Insurance has the most expensive rates for full coverage policies, charging $3,307 per year. State Farm offers the cheapest full coverage policies in Florida at $1,058 per year, $414 less than the average rate from the cheapest insurer in Miami Gardens, GEICO.

Company
Annual Premium
Monthly Premium

GEICO

$533

$44

GEICO

$578

$48

GEICO

$768

$64

Travelers

$944

$79

Nationwide

$972

$81

State Farm

$985

$82

Mercury

$996

$83

Travelers

$1,002

$83

Nationwide

$1,027

$86

Mercury

$1,060

$88

Farmers

$1,063

$89

State Farm

$1,065

$89

Travelers

$1,079

$90

Farmers

$1,111

$93

Nationwide

$1,186

$99

Allstate

$1,188

$99

State Farm

$1,196

$100

Allstate

$1,215

$101

Allstate

$1,220

$102

Farmers

$1,248

$104

Mercury

$1,343

$112

GEICO

$1,365

$114

GEICO

$1,472

$123

Progressive

$1,481

$123

Progressive

$1,529

$127

Direct General Insurance

$1,660

$138

Progressive

$1,730

$144

Direct General Insurance

$1,746

$146

State Farm

$1,753

$146

State Farm

$1,917

$160

Travelers

$2,033

$169

Nationwide

$2,036

$170

GEICO

$2,088

$174

Direct General Insurance

$2,100

$175

Farmers

$2,116

$176

Mercury

$2,147

$179

Travelers

$2,174

$181

Nationwide

$2,205

$184

State Farm

$2,239

$187

Farmers

$2,293

$191

Mercury

$2,318

$193

Travelers

$2,477

$206

Progressive

$2,584

$215

Nationwide

$2,616

$218

Farmers

$2,646

$221

Allstate

$2,669

$222

Allstate

$2,693

$224

Progressive

$2,706

$226

Allstate

$2,795

$233

Mercury

$3,127

$261

Progressive

$3,196

$266

Direct General Insurance

$3,222

$268

Direct General Insurance

$3,307

$276

Direct General Insurance

$4,257

$355

In addition to liability coverage, full coverage policies also include comprehensive and collision insurance.

  • Comprehensive insurance: This covers damages from natural disasters, vandalism or theft.
  • Collision insurance: This covers damages that result from a collision with another vehicle or object.

Full coverage policies provide more protection for an added cost. Typically, we recommend full coverage policies for owners with new vehicles; it may not be worth the additional cost for owners with older cars.

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Cheapest Car Insurance in Miami Gardens After a Driving Offense

In Miami Gardens, the following insurers offer the cheapest full coverage rates for drivers with these offenses:

  • Speeding ticket: State Farm ($2,172 per year)
  • At-fault accident: GEICO ($2,323 per year)
  • DUI: State Farm ($2,172 per year)

Drivers with a speeding ticket or at-fault accident will find that Progressive and Allstate charge the most expensive rates at $3,758 and $4,847 per year, respectively. Meanwhile, Nationwide has the most expensive rates for a driver with a DUI offense at $5,044 per year. A driving violation can significantly increase the cost of your insurance; even “cheap” rates for drivers with offenses will still be higher than average-priced rates for drivers with a clean history.

Company
Annual Premium
Monthly Premium

GEICO

$822

$69

GEICO

$883

$74

GEICO

$960

$80

GEICO

$1,013

$84

GEICO

$1,049

$87

GEICO

$1,089

$91

State Farm

$1,128

$94

State Farm

$1,128

$94

GEICO

$1,131

$94

Farmers

$1,137

$95

GEICO

$1,145

$95

Nationwide

$1,182

$99

Allstate

$1,188

$99

Farmers

$1,202

$100

Allstate

$1,215

$101

State Farm

$1,218

$101

State Farm

$1,218

$101

Allstate

$1,220

$102

State Farm

$1,233

$103

Nationwide

$1,237

$103

Farmers

$1,320

$110

Farmers

$1,326

$111

State Farm

$1,334

$111

State Farm

$1,370

$114

State Farm

$1,370

$114

Travelers

$1,372

$114

Travelers

$1,379

$115

Nationwide

$1,396

$116

Travelers

$1,396

$116

Farmers

$1,403

$117

Mercury

$1,418

$118

GEICO

$1,440

$120

Travelers

$1,458

$122

Travelers

$1,465

$122

Nationwide

$1,482

$123

Travelers

$1,489

$124

State Farm

$1,500

$125

Farmers

$1,507

$126

Allstate

$1,518

$126

Allstate

$1,528

$127

Allstate

$1,543

$129

Nationwide

$1,543

$129

Farmers

$1,548

$129

Mercury

$1,590

$132

Direct General Insurance

$1,660

$138

Travelers

$1,694

$141

Travelers

$1,699

$142

Mercury

$1,714

$143

Farmers

$1,715

$143

Travelers

$1,716

$143

Mercury

$1,717

$143

Nationwide

$1,719

$143

Progressive

$1,719

$143

Farmers

$1,737

$145

Direct General Insurance

$1,746

$146

Progressive

$1,753

$146

Direct General Insurance

$1,761

$147

Direct General Insurance

$1,781

$148

Mercury

$1,948

$162

Progressive

$1,980

$165

Progressive

$1,988

$166

State Farm

$1,988

$166

State Farm

$1,988

$166

Progressive

$1,997

$166

Mercury

$2,018

$168

Allstate

$2,036

$170

Mercury

$2,038

$170

Allstate

$2,051

$171

Allstate

$2,067

$172

Direct General Insurance

$2,100

$175

Direct General Insurance

$2,121

$177

State Farm

$2,166

$180

State Farm

$2,172

$181

State Farm

$2,172

$181

GEICO

$2,188

$182

Progressive

$2,212

$184

Mercury

$2,316

$193

Progressive

$2,318

$193

Farmers

$2,321

$193

Mercury

$2,323

$194

GEICO

$2,323

$194

Progressive

$2,324

$194

State Farm

$2,365

$197

Nationwide

$2,378

$198

Direct General Insurance

$2,440

$203

Direct General Insurance

$2,450

$204

Nationwide

$2,450

$204

Nationwide

$2,454

$204

State Farm

$2,540

$212

State Farm

$2,540

$212

Farmers

$2,544

$212

Progressive

$2,568

$214

Nationwide

$2,623

$219

GEICO

$2,644

$220

Nationwide

$2,658

$221

Allstate

$2,669

$222

Farmers

$2,678

$223

Allstate

$2,693

$224

GEICO

$2,741

$228

State Farm

$2,767

$231

Allstate

$2,795

$233

GEICO

$2,814

$235

Farmers

$2,858

$238

GEICO

$2,912

$243

Farmers

$2,952

$246

Direct General Insurance

$2,973

$248

GEICO

$2,998

$250

Travelers

$3,025

$252

Progressive

$3,028

$252

Nationwide

$3,034

$253

Travelers

$3,051

$254

Nationwide

$3,053

$254

Progressive

$3,122

$260

Travelers

$3,169

$264

Mercury

$3,187

$266

Travelers

$3,189

$266

Travelers

$3,204

$267

Farmers

$3,214

$268

Direct General Insurance

$3,222

$268

Nationwide

$3,235

$270

Farmers

$3,296

$275

GEICO

$3,303

$275

Direct General Insurance

$3,307

$276

Travelers

$3,338

$278

Direct General Insurance

$3,406

$284

Direct General Insurance

$3,423

$285

Mercury

$3,517

$293

Allstate

$3,650

$304

Allstate

$3,657

$305

Progressive

$3,662

$305

Travelers

$3,672

$306

Nationwide

$3,688

$307

Progressive

$3,702

$308

Travelers

$3,717

$310

Progressive

$3,758

$313

Farmers

$3,770

$314

Allstate

$3,797

$316

Mercury

$3,803

$317

Farmers

$3,833

$319

Travelers

$3,856

$321

Mercury

$4,015

$335

GEICO

$4,056

$338

Direct General Insurance

$4,257

$355

Progressive

$4,304

$359

Progressive

$4,323

$360

Progressive

$4,339

$362

Direct General Insurance

$4,418

$368

Mercury

$4,453

$371

Mercury

$4,493

$374

Direct General Insurance

$4,535

$378

Direct General Insurance

$4,622

$385

Mercury

$4,656

$388

Nationwide

$4,838

$403

Allstate

$4,847

$404

Allstate

$4,872

$406

Progressive

$4,919

$410

Allstate

$5,015

$418

Nationwide

$5,044

$420

Mercury

$5,265

$439

Mercury

$5,529

$461

Nationwide

$5,570

$464

Direct General Insurance

$5,894

$491

Insurance rates tend to increase in proportion to the severity of the driving offense. For instance, Miami Gardens drivers with a speeding ticket will pay an average of $428 more for car insurance than drivers with a DUI offense. It’s still possible to find cheap auto insurance with a bad driving record by comparing provider’s rates and looking for discounts.

Cheapest Car Insurance in Miami Gardens for Teens and Their Families

The following insurers offer the cheapest rates for 16-year-old teens on a family policy in Miami Gardens:

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

Progressive charges the most for female teens on a family policy at $8,641 per year, while Travelers is the most expensive for male teens at $8,695 per year. Male teens typically pay more for car insurance as insurers consider them riskier to insure. For instance, GEICO, the cheapest insurer, charges male teens at least $59 more per year than female teens for car insurance. However, this cost difference drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$2,012

$5,110

GEICO

$2,162

$5,491

GEICO

$2,246

$6,302

GEICO

$2,329

$5,913

GEICO

$2,844

$4,989

Travelers

$2,983

$5,120

GEICO

$3,120

$5,474

Travelers

$3,142

$5,191

GEICO

$3,262

$6,458

GEICO

$3,357

$6,858

GEICO

$3,367

$7,118

Travelers

$3,380

$6,313

Travelers

$3,386

$5,811

GEICO

$3,402

$5,969

Travelers

$3,473

$5,961

Travelers

$3,620

$5,980

State Farm

$3,647

$4,832

Travelers

$3,733

$7,094

Travelers

$3,775

$6,855

State Farm

$3,776

$5,003

Nationwide

$3,781

$6,325

State Farm

$3,851

$4,961

Travelers

$3,878

$6,408

State Farm

$3,934

$5,735

Nationwide

$3,955

$5,295

Nationwide

$3,974

$5,320

Nationwide

$3,982

$5,544

State Farm

$3,985

$5,280

Allstate

$4,023

$6,129

Nationwide

$4,031

$7,394

Allstate

$4,043

$8,860

Allstate

$4,094

$9,257

Nationwide

$4,123

$5,885

GEICO

$4,152

$9,739

Allstate

$4,159

$6,197

Nationwide

$4,167

$5,579

State Farm

$4,172

$6,226

Nationwide

$4,174

$5,811

GEICO

$4,194

$10,105

State Farm

$4,239

$5,460

Allstate

$4,306

$21,926

GEICO

$4,332

$8,851

Travelers

$4,351

$7,909

Nationwide

$4,359

$6,722

State Farm

$4,408

$6,453

GEICO

$4,434

$9,373

Nationwide

$4,454

$6,201

Travelers

$4,493

$8,160

Travelers

$4,507

$9,541

State Farm

$4,531

$5,836

Nationwide

$4,549

$8,798

State Farm

$4,598

$6,862

Nationwide

$4,607

$7,706

State Farm

$4,644

$7,706

GEICO

$4,671

$10,757

Allstate

$4,684

$7,136

GEICO

$4,710

$10,320

Allstate

$4,826

$26,157

Allstate

$4,831

$8,579

Allstate

$4,877

$7,267

GEICO

$4,883

$10,698

GEICO

$4,885

$11,088

Allstate

$4,892

$7,934

GEICO

$4,945

$11,982

State Farm

$4,958

$7,195

GEICO

$4,959

$11,420

Allstate

$4,985

$7,595

Nationwide

$5,042

$10,985

Nationwide

$5,107

$9,368

Allstate

$5,207

$7,758

Travelers

$5,222

$12,056

Nationwide

$5,228

$15,081

Nationwide

$5,228

$15,081

Nationwide

$5,228

$15,081

Allstate

$5,290

$14,290

Allstate

$5,307

$11,628

Farmers

$5,319

$5,044

Travelers

$5,320

$9,671

Travelers

$5,351

$11,601

Farmers

$5,417

$5,249

Allstate

$5,466

$14,295

State Farm

$5,494

$8,687

Farmers

$5,575

$4,427

State Farm

$5,647

$8,196

State Farm

$5,676

$9,321

Farmers

$5,685

$4,677

Farmers

$5,730

$4,714

Progressive

$5,763

$5,679

Farmers

$5,772

$4,851

Farmers

$5,777

$4,752

Farmers

$5,811

$4,615

Nationwide

$5,888

$18,883

Nationwide

$5,888

$18,883

Nationwide

$5,888

$18,883

Farmers

$5,926

$4,996

Allstate

$5,981

$13,523

Farmers

$6,027

$4,786

State Farm

$6,153

$9,730

State Farm

$6,204

$11,012

Allstate

$6,306

$40,209

Travelers

$6,416

$14,947

Farmers

$6,494

$14,518

Allstate

$6,568

$41,984

Travelers

$6,603

$15,243

Farmers

$6,608

$15,446

State Farm

$6,627

$10,694

Progressive

$6,654

$6,558

Allstate

$6,716

$34,197

Travelers

$6,922

$20,641

Farmers

$6,951

$7,662

Farmers

$6,994

$16,348

Progressive

$7,013

$8,270

Farmers

$7,040

$15,738

Progressive

$7,042

$9,232

Progressive

$7,071

$6,052

Progressive

$7,114

$8,899

Allstate

$7,131

$38,649

Progressive

$7,242

$7,137

Farmers

$7,413

$8,154

State Farm

$7,453

$12,027

State Farm

$7,522

$13,696

Farmers

$7,530

$7,297

Progressive

$7,604

$15,359

Farmers

$7,611

$21,577

Progressive

$7,611

$16,284

Progressive

$7,715

$10,114

Farmers

$7,717

$21,497

Progressive

$7,844

$6,713

Progressive

$7,861

$9,833

Progressive

$7,891

$11,689

Progressive

$7,920

$10,990

Travelers

$8,255

$19,230

Progressive

$8,291

$8,473

Farmers

$8,323

$7,893

Progressive

$8,348

$7,144

Progressive

$8,508

$19,553

Progressive

$8,641

$18,909

Travelers

$8,695

$26,592

Progressive

$8,772

$18,769

Progressive

$8,958

$18,093

Teens will pay more money to purchase an individual policy instead of joining a family policy. For example, an individual policy for a 16-year-old male teen in Miami Gardens is about $4,940 or more than the cost of a teen joining a family policy. Families with teen drivers can find the cheapest auto insurance for teen drivers by comparing provider’s rates and looking for key discounts.

Cheapest Car Insurance in Miami Gardens for Military Drivers

In Miami Gardens, the following insurers offer the cheapest full coverage auto insurance for drivers with a military background:

  • GEICO: $1,472 per year
  • State Farm: $1,917 per year

GEICO and Travelers are the cheapest options for minimum coverage policies, charging $578 and $1,002 per year. Military drivers may also consider USAA for their car insurance needs, as the insurer caters exclusively to military members and their families.

Company
Annual Premium
Monthly Premium

GEICO

$533

$44

GEICO

$578

$48

GEICO

$768

$64

Travelers

$944

$79

Nationwide

$972

$81

State Farm

$985

$82

Mercury

$996

$83

Travelers

$1,002

$83

Nationwide

$1,027

$86

Mercury

$1,060

$88

Farmers

$1,063

$89

State Farm

$1,065

$89

Travelers

$1,079

$90

Farmers

$1,111

$93

Nationwide

$1,186

$99

Allstate

$1,188

$99

State Farm

$1,196

$100

Allstate

$1,215

$101

Allstate

$1,220

$102

Farmers

$1,248

$104

Mercury

$1,343

$112

GEICO

$1,365

$114

GEICO

$1,472

$123

Progressive

$1,481

$123

Progressive

$1,529

$127

Direct General Insurance

$1,660

$138

Progressive

$1,730

$144

Direct General Insurance

$1,746

$146

State Farm

$1,753

$146

State Farm

$1,917

$160

Travelers

$2,033

$169

Nationwide

$2,036

$170

GEICO

$2,088

$174

Direct General Insurance

$2,100

$175

Farmers

$2,116

$176

Mercury

$2,147

$179

Travelers

$2,174

$181

Nationwide

$2,205

$184

State Farm

$2,239

$187

Farmers

$2,293

$191

Mercury

$2,318

$193

Travelers

$2,477

$206

Progressive

$2,584

$215

Nationwide

$2,616

$218

Farmers

$2,646

$221

Allstate

$2,669

$222

Allstate

$2,693

$224

Progressive

$2,706

$226

Allstate

$2,795

$233

Mercury

$3,127

$261

Progressive

$3,196

$266

Direct General Insurance

$3,222

$268

Direct General Insurance

$3,307

$276

Direct General Insurance

$4,257

$355

How to Compare Cheap Miami Gardens Car Insurance Quotes Online

It’s important to compare rates from multiple insurers to find the best cheap provider. However, this can prove time-consuming as it can take up to 15 minutes to input the personal information required for a single quote. MoneyGeek’s car insurance calculator simplifies the process for you, providing a rough estimate based on your coverage, age, car type and driving history.

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Best Car Insurance in Miami Gardens: Summary

The best insurer for you will vary based on how much you value affordability, customer service and coverage options. These are our top picks for different categories:

  • Best overall: GEICO (MoneyGeek score of 75 out of 100)
  • Best for service: Travelers (MoneyGeek score of 60 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

A company’s overall MoneyGeek score may vary across categories based on the weightings for individual factors. Although GEICO is the best insurer in Miami Gardens, State Farm is the best overall car insurance provider in Florida. Military-affiliated drivers may also consider USAA, as the insurer is known nationwide for its military-exclusive insurance policies.

Best Overall Car Insurance in Miami Gardens

The following insurers are the best overall providers in Miami Gardens:

  • GEICO: MoneyGeek score of 75 out of 100 ($1,472 per year)
  • State Farm: MoneyGeek score of 69 out of 100 ($1,917 per year)

GEICO has the most affordable rates and the highest customer satisfaction rating. This means you won’t have to pay more to receive quality customer service.

How was this MoneyGeek score calculated?

GEICO

pros

Has the cheapest rates of the insurers in our study

Has a high customer satisfaction rating

Provides mechanical breakdown insurance (MBI) coverage

cons

Has a relatively low claims management score

Does not offer new car replacement or better car replacement coverage

COMPANY HIGHLIGHTS

Of the nine insurers in our comparison group, GEICO has the cheapest rates and provides top-notch customer service. The insurer offers several helpful coverage add-on options, including mechanical breakdown insurance (MBI).

MBI coverage includes all parts and systems and is available for new or leased cars that are less than 15 months old and have fewer than 15,000 miles. In addition to MBI, the insurer also offers accident forgiveness, rental car and/or travel reimbursement and roadside assistance coverage. With accident forgiveness, your auto insurance rate won’t increase after your first at-fault accident. Rental car and/or travel reimbursement will pay up to a certain limit to cover rental car expenses if your vehicle is undrivable for more than 24 hours after an accident. Furthermore, roadside assistance helps cover the cost for towing, lockout and jump start services if your car breaks down.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Miami Gardens for Customer Service

Without taking affordability into consideration, the following insurers provide the best customer service in Miami Gardens:

  • Travelers: MoneyGeek score of 60 out of 100 ($2,174 per year)
  • State Farm: MoneyGeek score of 58 out of 100 ($1,917 per year)

Travelers has a relatively high customer satisfaction rating and offers a fair amount of coverage options. However, its policies cost more than some of its competitors.

How was this MoneyGeek score calculated?

Travelers

pros

Has a relatively high customers satisfaction and claims management score

Offers a fair amount of common coverage options

cons

Has relatively expensive rates compared to other insurers

Offers few unique coverage options

COMPANY HIGHLIGHTS

Travelers is our top car insurer for customer service in Miami Gardens due to its relatively high customer service rating and claims management score.

The insurer offers several common coverages, including accident forgiveness, gap insurance, rental car and/or travel reimbursement and new car replacement coverage. With accident forgiveness, you can rest assured that your insurance rate won’t increase after your first at-fault accident. Furthermore, gap insurance covers the difference between what you owe on your vehicle and its current market value. Rental car and/or travel reimbursement coverage is especially helpful if you frequently travel, as this coverage will pay for the cost of a rental vehicle if yours is totaled in an at-fault accident. New car replacement coverage is ideal for owners of new vehicles; if you total your car in the first five years, it will pay to replace your vehicle with a brand new make and model.

Read MoneyGeek's Travelers Auto Insurance Review

Best Cheap Car Insurance in Miami Gardens

In Miami Gardens, the following insurers offer the best cheap minimum coverage policies that meet the state-mandated liability requirements in Florida:

  • GEICO: MoneyGeek score of 78 out of 100 ($578 per year)
  • Travelers: MoneyGeek score of 66 out of 100 ($1,002 per year)

Minimum coverage policies may cost less, but they offer the lowest amount of liability protection and don’t cover damages to your own vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $578 per year

Offers a discount for bundling policies, insuring multiple cars and installing daytime running lights

Has a relatively high customer satisfaction rating

cons

Has a relatively low claims management score

Offers few coverage options

COMPANY HIGHLIGHTS

GEICO is the best cheap insurer for minimum coverage policies in Miami Gardens due to its affordability, customer service and discount opportunities.

With GEICO, drivers can save even more on their already affordable premiums by qualifying for one of the insurer’s many discounts. Drivers can save money by bundling their auto insurance with their home, life or renters insurance. Further savings are also available to young drivers who maintain a good grade point average. You may also qualify for a discount based on your profession; teachers, federal employees and military members are eligible for a reduced premium.

Another noteworthy discount available from GEICO is the daytime running lights discount. Drivers that have daytime running lights installed on their vehicle are eligible for a discount. Having anti-lock brakes or an anti-theft system installed will also earn you a discount.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Miami Gardens

In Miami Gardens, the average cost of insurance is $2,323 per year, $388 more expensive than the estimated cost of car insurance in Florida at $1,935 per year as of October 2022. Compared to the national average cost of car insurance at $1,265 per year, car insurance in Miami Gardens is significantly more expensive. This shows how location can impact your car insurance rate.

These rates are for a full coverage policy with $100,000 property damage liability per accident, $300,000 in bodily injury liability per accident and $100,000 bodily injury liability per person.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.