Compare the Cheapest Car Insurance Quotes in Miami Gardens

The average cost of car insurance in Miami Gardens is $2,710 per year, which is higher than the state average. At roughly $1,396 annually, GEICO is the cheapest widely available insurer. MoneyGeek analyzed average car insurance rates in Miami Gardens by coverage amount and driver profile. We also highlighted the best insurers for drivers who want quality service and affordability.

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Last Updated: 5/16/2022
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GEICO is the cheapest insurer in Miami Gardens for most drivers, including those buying minimum coverage policies. However, Allstate is the cheapest if you have a speeding ticket.

USAA could be the most affordable option if you have a military background.

Esurance is the best car insurer in Miami Gardens if you want a balance of cost and quality service.

iconribbonbestauto insuranceMiami Gardens2022

The Cheapest and Best Car Insurance in Miami Gardens

The Cheapest Car Insurance Companies in Miami Gardens

If you are looking for a full coverage policy in Miami Gardens, the cheapest insurance companies are, on average:

  • GEICO: $1,396 per year
  • MetLife: $2,151 per year

USAA is the cheapest overall for full coverage at $1,244 per year. However, only drivers with a military background are eligible for this policy.

A full coverage policy from GEICO costs 151% less than a similar policy from Travelers, the most expensive option. Full coverage policies include comprehensive and collision insurance. That said, the rates you pay can vary depending on the liability limits you select.

Cheapest Car Insurance in Miami Gardens
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $1,244
  • 2.
    GEICO
    $1,396
  • 3.
    MetLife
    $2,151
  • 4.
    State Farm
    $2,357
  • 5.
    Allstate
    $2,475
  • 6.
    Allied
    $3,067
  • 7.
    Progressive
    $3,277
  • 8.
    Mercury
    $3,449
  • 9.
    Travelers
    $3,504

MoneyGeek collected average car insurance rates in Miami Gardens for a 40-year-old male driver with a full coverage policy in accordance with our methodology.

A full coverage policy in Miami Gardens typically costs more than minimum coverage because it includes collision and comprehensive insurance, which cover the cost of damages to your car.

  • Collision Insurance: Covers damages to your car caused by a collision with another vehicle or stationary object.
  • Comprehensive Insurance: Covers loss or damage to your car caused by risks not related to collisions such as theft or vandalism.

If you have an older car, you may end up paying more for insurance than the car is worth if you opt for full coverage. In this scenario, a state minimum policy may be a better option if you want to save on costs.

Compare Car Insurance Rates in Miami Gardens

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Miami Gardens for Minimum Coverage

The cheapest type of insurance in Miami Gardens is a minimum coverage policy. On average, the most affordable car insurance companies in Miami Gardens for a minimum coverage policy are:

  • GEICO: $638 per year
  • Allstate: $1,091 per year

If you have a military background, you may qualify for USAA, which is the cheapest for minimum coverage in Miami Gardens at $521 per year.

Progressive is the most expensive option at $1,857 per year. This is $1,219 more than GEICO, the cheapest widely available option.

Minimum coverage is ideal if you are looking for cheap car insurance in Miami Gardens, but it is important to note that it offers minimal liability coverage and does not have collision and comprehensive insurance. This means you risk not being fully protected. To see how rates vary based on liability levels, you can toggle the table below.

Cheapest Minimum Liability Car Insurance in Miami Gardens
State Minimum

A state minimum policy in Miami Gardens is affordable because it only carries the minimum liability limits required in Florida for personal injury protection (PIP) and property damage. This means that in the event of an at-fault accident, you may incur high out-of-pocket costs since you have limited coverage.

For example, in an accident where you cause property damage worth $20,000, only $10,000 will be covered by your state minimum policy. This leaves you with $10,000 in out-of-pocket costs.

Florida Minimum Liability Requirements

  • Item
    Description
  • Property Damage
    $10,000 for property damage. A more protective level is 100/300/100.
  • Personal Injury Protection
    $10,000 per person.

Cheapest Car Insurance in Miami Gardens if You Have Driving Violations

In Miami Gardens, driving violations such as tickets, DUIs and at-fault accidents will significantly increase how much you pay for car insurance.

If you have a violation, the cheapest auto insurers in Miami Gardens are, on average:

  • Cheapest after a ticket: Allstate at $2,475 per year
  • Cheapest after an at-fault accident: GEICO at $1,973 per year
  • Cheapest after a DUI: State Farm at $2,567 per year

If you have a military background, USAA has the cheapest rates for all violations.

You can improve your record over time to get cheaper insurance rates in Miami Gardens. In the meantime, shopping around is the best way to find providers with the cheapest car insurance rates for violations.

Cheapest Car Insurance in Miami Gardens With a Violation
Speeding Ticket

Average Cost of Car Insurance in Miami Gardens

Miami Gardens$2,710
Florida$2,208
U.S.$1,424

On average, drivers in Miami Gardens pay $2,710 per year for car insurance. These rates are higher than the average car insurance cost for the state of Florida by 22.7%. Average car insurance rates in Miami Gardens are also up to 90.3% higher than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Miami Gardens

Car insurance quotes in Miami Gardens vary depending on factors like age, gender, make and model of vehicle, coverage level and ZIP code. Car insurance rates also vary widely depending on the insurer. If you are looking for cheap car insurance in Miami Gardens, it pays to compare quotes from different providers.

Compare Car Insurance Rates in Miami Gardens

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Miami Gardens

MoneyGeek ranked the best car insurance companies in Miami Gardens to help you find the best balance of quality service and cost. The best insurers in Miami Gardens are:

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

USAA received the highest score in Miami Gardens, but only drivers with a military background are eligible for this policy. MoneyGeek’s rating system incorporates J.D. Power’s user satisfaction scores, financial stability and affordability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Esurance
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Travelers
Score:85

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

5
MetLife
Score:82.5

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:82.5

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Liberty Mutual
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Auto-Owners Insurance Co
Score:80

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
State Farm
Score:77.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Progressive
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Safeco
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Depending on where you live, factors like the rate of car thefts and traffic accidents can vary, so ZIP codes can impact car insurance rates in some cities. However, in Miami Gardens, ZIP codes are not a factor in the cost of car insurance since rates are the same across all ZIP codes.

  • Zip Code
    State Minimumper year
  • 33056
    $2,710

Factors That Impact Insurance Costs in Miami Gardens

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Miami Gardens. How Miami Gardens ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities11th/300
handcuffs2 icon
Most Car Thefts166th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall3rd/300
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Most Rainy Days30th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Miami Gardens are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.