Cheapest and Best Car Insurance Companies in Miami Gardens, FL

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.