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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Insurance Rates

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

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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.

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The 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
  • Company
    100/300/100per year
  • 1.
    USAA
    $988
  • 2.
    GEICO
    $1,559
  • 3.
    State Farm
    $1,699
  • 4.
    Travelers
    $2,048
  • 5.
    MetLife
    $2,143
  • 6.
    Allstate
    $2,170
  • 7.
    Allied
    $2,556
  • 8.
    Progressive
    $2,592
  • 9.
    Mercury
    $2,967

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.

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Insurance Rates

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

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

  • 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 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

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.

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Insurance Rates

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

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

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
umbrella icon
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.

About the Author


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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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