Compare 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.

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The Cheapest and Best Car Insurance in Miramar

The Cheapest Car Insurance Companies in Miramar

MoneyGeek analyzed car insurance companies in Miramar offering the most affordable full coverage policies and found that these are the cheapest options, on average:

  • USAA: $988 per year (only available for current and former military members)
  • GEICO: $1,559 per year

In Miramar, the most expensive insurer for a full coverage policy is Mercury. At a price of roughly $2,967 annually, Mercury policyholders pay an average of 200.3% and 90.3% more than USAA and GEICO clients, respectively. Keep in mind that the best car insurance looks at the quality of service and affordability.

A 40-year-old male driver’s profile was used to gather prices. This policy used included liability insurance and comprehensive and collision insurance.

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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.

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The Best Car Insurance Companies in Miramar

For Miramar drivers looking for a balance between affordability and quality service, MoneyGeek evaluated car insurance companies and found that these companies rank the best:

  • 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, getting a MoneyGeek score of 100 out of 100. However, they are only available for current and former military members.

MoneyGeek ranked 12 insurers in the city based on J.D. Power user satisfaction, affordability and financial stability data.


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:83

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:83

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:78

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:78

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

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.

Shopping around for car insurance in Miramar could save you $658, which is enough to buy:


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219Cups of Coffee
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51Months of Your Favorite Streaming Service

Cheapest Car Insurance in Miramar by Coverage Amount

A policy’s coverage limits play a significant role in determining car insurance rates. A liability-only policy that follows the state’s minimum requirements provides less protection but costs only $1,107 on average. On the other hand, a full coverage policy with higher liability limits costs $2,217. While this difference of $1,109 may be costly, the extra protection it provides could be worth it.

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.

A state minimum liability-only policy is the cheapest car insurance option that drivers can get. However, it only covers third parties in an accident. Full coverage policies with 50/100/50 liability limits and comprehensive and collision insurance offer more protection. This has $100,000 in coverage for total injuries in an accident with a $50,000 limit per person along with $50,000 in property damage coverage.

For example, a state minimum liability-only policy from GEICO costs an average of $696 per year, while a liability-only policy with 50/100/50 limits costs $1,042. However, a full coverage policy with higher limits costs roughly $902 per year, while full coverage with 100/300/100 limits costs about $1,559. This small difference in pricing can protect drivers better in case of an accident.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Miramar if You Have Driving Violations

Driving violations can affect a driver’s annual premiums. For example, drivers in Miramar insured by State Farm who have one to two violations, such as speeding tickets, pay an average of $141 more than drivers with clean records. Drivers who have a DUI on their record also pay about $141 more annually, while drivers who caused an accident pay $283 more per year.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    USAA
    $1,093
    $1,290
    $1,810
  • 2.
    State Farm
    $1,840
    $1,982
    $1,840
  • 3.
    GEICO
    $2,783
    $2,183
    $3,504
  • 4.
    Allstate
    $2,170
    $2,902
    $2,818
  • 5.
    Travelers
    $2,823
    $2,879
    $3,871
  • 6.
    MetLife
    $2,535
    $2,925
    $4,989
  • 7.
    Progressive
    $3,781
    $4,390
    $3,389
  • 8.
    Allied
    $3,292
    $3,511
    $5,185
  • 9.
    Mercury
    $4,303
    $5,453
    $5,065

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities109th/300
handcuffs2 icon
Most Car Thefts166th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
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Most Annual Rainfall3rd/300
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Most Rainy Days30th/300

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.

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About the Author


expert-profile

The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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