bestauto insuranceMiramar2022Compare the Cheapest Car Insurance Quotes in Miramar
The average car insurance rates in Miramar are $2,217 annually, which is 0.4% higher than Florida’s average rate. The cheapest option is GEICO, offering car insurance at $1,559 yearly on average. For various driver profiles and coverages, MoneyGeek found the most affordable rates. For drivers who want to balance cost and service, MoneyGeek also found the best insurance companies in Miramar.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Last Updated: 5/16/2022
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The cheapest full coverage car insurance and state minimum coverage that is widely available in Miramar is from GEICO. Drivers with speeding tickets, however, may find the most affordable premiums at State Farm. For members of the military only, USAA offers the least expensive car insurance in the city. Esurance is Miramar’s best insurance company overall if you’re looking for a balance between affordability and excellent customer service.
bestauto insuranceMiramar2022The Cheapest and Best Car Insurance in Miramar
The Cheapest Car Insurance Companies in Miramar
The most affordable car insurance companies in Miramar for standard full coverage policies are as follows:
- GEICO: $1,559 per year
- State Farm: $1,699 per year
Current or former military personnel and their families may choose to be covered by USAA, which offers an average annual premium of $988.
GEICO's full coverage insurance is the least costly in Miramar, at 90% less than the city’s most expensive insurer, Mercury. That’s a difference of $1,408 for the same coverage. Remember that while comprehensive and collision insurance is included in full coverage plans, your quoted premium can change depending on your unique driver profile and preferred liability limits.
Cheapest Car Insurance in Miramar
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$988
- 2.$1,559
- 3.$1,699
- 4.$2,048
- 5.$2,143
MoneyGeek’s analysis uses average annual insurance premiums for a 40-year-old male driver with full coverage, as defined in our methodology.
While comprehensive and collision coverage are more expensive than state minimum and liability-only, full coverage car insurance includes both. This can make a significant difference to your budget because you’re covered in the event of damage to your car.
- Collision Insurance: Pays to repair damage to your car caused by an accident.
- Comprehensive Insurance: Pays to repair your vehicle from non-collision-related damage, such as fire, hail, theft or vandalism.
If your car is an older model, getting full coverage auto insurance may be more expensive than the vehicle’s replacement value. You might prefer, in that case, to opt for liability-only or state minimum insurance.
Compare Car Insurance Rates in Miramar
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Miramar for Minimum Coverage
The most affordable car insurance is state minimum or liability-only coverage. In Miramar, the cheapest insurers for minimum coverage are:
- GEICO: $696 per year
- Allstate: $930 per year
If you are a military veteran or on active duty, USAA is the best option. Still, GEICO’s average annual premium is $711 cheaper than the $1,407 Mercury price tag.
While insuring your car with the minimum required coverage is the most affordable, these policies don’t have comprehensive or collision coverage and have far lower liability limits than the other options. That puts you at risk of being underinsured in the event of an accident.
The table below shows how your premiums might change based on the liability limits you choose.
Cheapest Minimum Liability Car Insurance in Miramar
State Minimum
- CompanyState Minimumper year
- 1.$434
- 2.$696
- 3.$930
- 4.$942
- 5.$957
Florida requires drivers to have state minimum insurance, which is $10,000 in personal injury protection and $10,000 in property damage liability. Your annual premium will be low, but you may have to pay substantially more out of pocket if you are involved in an accident.
For instance, if you’re in an accident and the medical bills total $60,000, your primary coverage insurance will cover just $10,000 of that, leaving you responsible for the remaining $50,000.
Florida Minimum Liability Requirements
- ItemDescription
- 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 Miramar if You Have Driving Violations
A driving violation, be it a speeding ticket, at-fault accident or DUI, can significantly affect the cost of your auto insurance premium. Depending on the violation, the cheapest insurers in Miramar are:
- Cheapest after a ticket: State Farm, $1,840 per year
- Cheapest after an at-fault accident: State Farm, $1,982 per year
- Cheapest after a DUI: State Farm, $1,840 per year
USAA is by far the cheapest insurer in all instances; however, it is unavailable to drivers except those who are veterans or current members of the military.
The best way to lower your premium after getting a ticket is to improve your driving record. In the meantime, shop around for policies to find which companies in Miramar offer more affordable rates after a ticket or an accident.
Cheapest Car Insurance in Miramar With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,093
- 2.$1,840
- 3.$2,170
- 4.$2,535
- 5.$2,783
Average Cost of Car Insurance in Miramar
Miramar$2,217
Florida$2,208
U.S.$1,424
Since auto insurance is a legal requirement, it’s important for those who are buying a car to consider the average rates in their area since prices can change based on location. In Miramar, drivers pay an average of $2,217 per year, which is 0.4% higher than the rest of the state.
Compared to the rest of the nation, Miramar drivers pay a much higher rate for car insurance on average. Miramar drivers pay a whopping 55.7% more, on average.
Personalized Quotes to Get You the Cheapest Car Insurance in Miramar
Comparing car insurance quotes frequently is essential for drivers, as rates can vary based on different factors. Some individuals may even qualify for discounts, rebates or other savings. Driving history, experience and records are just some of the many factors that insurers take into account.
Compare Car Insurance Rates in Miramar
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Miramar
For drivers seeking a balance of affordable coverage and quality customer service, MoneyGeek analyzed the providers in the city to help you find options. According to our analysis, the best car insurance carriers in the city for most drivers are:
- Esurance: MoneyGeek score of 95 out of 100
- GEICO: MoneyGeek score of 85 out of 100
Note that USAA ranks as the top-scoring insurer in the area, receiving a MoneyGeek score of 100 out of 100. However, because USAA is only available to military members, veterans and their families, we did not include it in our list as best overall.
These Miramar car insurance companies were ranked using several factors, such as affordability, insurer financial stability and customer satisfaction. MoneyGeek used multiple resources to perform this study, including findings by J. D. Power, a consumer intelligence company.
1
USAA
Score:100
2
Esurance
Score:95
3
GEICO
Score:85
4
Travelers
Score:85
5
MetLife
Score:82.5
6
Hartford
Score:82.5
7
Liberty Mutual
Score:80
8
Auto-Owners Insurance Co
Score:80
9
State Farm
Score:77.5
10
Nationwide
Score:77.5
11
Progressive
Score:75
12
Safeco
Score:75
Average Cost of Car Insurance by Postal Code
Location is a big factor that affects the average rate of auto insurance. This is due to factors such as the number of accidents in the area and car-theft incidents.
Fortunately, ZIP codes do not change annual premiums by much in Miramar. For example, drivers living in ZIP code 33029 pay roughly $2,196 per year, while drivers living in ZIP code 33027 pay about $2,237 annually, which is a difference of $41.
- Zip CodeState Minimumper year
- 33029$2,196
- 33027$2,237
Factors That Impact Insurance Costs in Miramar
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 Miramar. How Miramar ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Miramar 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
sources
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.