Cheapest and Best Car Insurance Companies in Miami Gardens, FL


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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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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2024

Cheapest and Best Car Insurance in Miami Gardens, FL

Why Trust MoneyGeek? We compiled the latest information from the Florida Department of Insurance and Quadrant Information Services to identify the best and cheapest auto insurance in Miami Gardens for different driver profiles.

127,836Quotes Analyzed
 
9Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$578Monthly Premium$48
TravelersAnnual Premium$1,002Monthly Premium$83
NationwideAnnual Premium$1,027Monthly Premium$86
MercuryAnnual Premium$1,060Monthly Premium$88
FarmersAnnual Premium$1,063Monthly Premium$89
State FarmAnnual Premium$1,065Monthly Premium$89
AllstateAnnual Premium$1,215Monthly Premium$101
ProgressiveAnnual Premium$1,529Monthly Premium$127

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,472Monthly Premium$123
State FarmAnnual Premium$1,917Monthly Premium$160
FarmersAnnual Premium$2,116Monthly Premium$176
TravelersAnnual Premium$2,174Monthly Premium$181
NationwideAnnual Premium$2,205Monthly Premium$184
MercuryAnnual Premium$2,318Monthly Premium$193
AllstateAnnual Premium$2,693Monthly Premium$224
ProgressiveAnnual Premium$2,706Monthly Premium$226

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$2,172Monthly Premium$181
NationwideAnnual Premium$2,623Monthly Premium$219
FarmersAnnual Premium$2,678Monthly Premium$223
AllstateAnnual Premium$2,693Monthly Premium$224
GEICOAnnual Premium$2,912Monthly Premium$243
TravelersAnnual Premium$3,025Monthly Premium$252
MercuryAnnual Premium$3,187Monthly Premium$266
Direct General InsuranceAnnual Premium$3,307Monthly Premium$276

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$4,885Individual Plan Monthly Premium$11,088
NationwideFamily Plan Annual Premium$5,228Individual Plan Monthly Premium$15,081
State FarmFamily Plan Annual Premium$6,204Individual Plan Monthly Premium$11,012
AllstateFamily Plan Annual Premium$6,306Individual Plan Monthly Premium$40,209
TravelersFamily Plan Annual Premium$6,922Individual Plan Monthly Premium$20,641
FarmersFamily Plan Annual Premium$7,611Individual Plan Monthly Premium$21,577
ProgressiveFamily Plan Annual Premium$8,641Individual Plan Monthly Premium$18,909

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,472Monthly Premium$123
State FarmAnnual Premium$1,917Monthly Premium$160
FarmersAnnual Premium$2,116Monthly Premium$176
TravelersAnnual Premium$2,174Monthly Premium$181
NationwideAnnual Premium$2,205Monthly Premium$184
MercuryAnnual Premium$2,318Monthly Premium$193
AllstateAnnual Premium$2,693Monthly Premium$224
ProgressiveAnnual Premium$2,706Monthly Premium$226

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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Jun 21, 2024

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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

checkmark

Has the cheapest rates of the insurers in our study

checkmark

Has a high customer satisfaction rating

checkmark

Provides mechanical breakdown insurance (MBI) coverage

cons

close

Has a relatively low claims management score

close

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

checkmark

Has a relatively high customers satisfaction and claims management score

checkmark

Offers a fair amount of common coverage options

cons

close

Has relatively expensive rates compared to other insurers

close

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

checkmark

An affordable minimum coverage policy costs $578 per year

checkmark

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

checkmark

Has a relatively high customer satisfaction rating

cons

close

Has a relatively low claims management score

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.