Cheapest and Best Car Insurance in Miramar, FL (July 2024)


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Updated: September 9, 2024

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Finding affordable insurance in Miramar, Florida, depends on coverage choices and driver details. Travelers offers the cheapest full coverage, while GEICO is the least expensive for minimum coverage and for families with teens. Mercury provides the best customer service and ranks best overall, balancing competitive pricing with excellent service. Your ideal insurer should match your unique needs and coverage preferences.

MoneyGeek Logo IconBest & CheapestCar InsuranceMiramar
2024

Cheapest and Best Car Insurance in Miramar

Why Trust MoneyGeek? We analyzed 127,836 quotes from nine companies in Florida. Using six sources and original research, we rated the cheapest options and developed a scoring system for Miramar insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Miramar, FL, as of July 2024.

127,836Quotes Analyzed
 
9Companies Compared

Cheapest Minimum Coverage Car Insurance in Miramar

GEICO is the cheapest car insurance in Miramar, providing great value for residents seeking minimum coverage.

  • GEICO: $801 per year
  • Mercury: $868 per year

Direct General Insurance offers the most expensive minimum coverage at $1,976 per year, $1,175 more than GEICO. Comparing policies ensures you get the best deal on car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$801Monthly Premium$67
MercuryAnnual Premium$868Monthly Premium$72
TravelersAnnual Premium$890Monthly Premium$74
State FarmAnnual Premium$1,098Monthly Premium$92
AllstateAnnual Premium$1,192Monthly Premium$99
NationwideAnnual Premium$1,302Monthly Premium$109
ProgressiveAnnual Premium$1,339Monthly Premium$112
FarmersAnnual Premium$1,557Monthly Premium$130
Direct General InsuranceAnnual Premium$1,976Monthly Premium$165

State Minimum Liability Requirements

Florida law mandates the following car insurance coverage minimums in Miramar:

  • $10,000 property damage liability per accident
  • $10,000 personal injury protection per person

Imagine you're at fault in an accident but have no minimum required coverage, and the bodily injury liability per person is $15,000. You'd be responsible for all the costs above your coverage limit — or, in this case, the entire amount. Minimums protect you up to a point, so consider your finances when choosing coverage.

Cheapest Full Coverage Car Insurance in Miramar

Travelers offers the cheapest full coverage car insurance in Miramar.

  • Travelers: $1,887 per year
  • State Farm: $2,060 per year

Direct General Insurance's full coverage policy costs $3,972 annually, $2,085 more than Travelers'. This rate difference underscores the need to compare quotes carefully, as full coverage policies include comprehensive and collision insurance, which increases costs compared to minimum coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$1,887Monthly Premium$157
State FarmAnnual Premium$2,060Monthly Premium$172
GEICOAnnual Premium$2,165Monthly Premium$180
MercuryAnnual Premium$2,322Monthly Premium$193
ProgressiveAnnual Premium$2,326Monthly Premium$194
AllstateAnnual Premium$2,535Monthly Premium$211
NationwideAnnual Premium$2,552Monthly Premium$213
FarmersAnnual Premium$3,135Monthly Premium$261
Direct General InsuranceAnnual Premium$3,972Monthly Premium$331

Why You Need Full Coverage in Florida

Our sample full coverage insurance policy in Miramar extends coverage limits to $100,000 for bodily injury per person, $300,000 per accident and $100,000 for property damage liability per incident. This is commonly known as a 100/300/100 plan.

Full coverage includes these insurance types:

  • Collision insurance: Covers repair costs from collisions with cars, objects like trees or light posts, rollover accidents and pothole damage.
  • Comprehensive insurance: Covers theft, severe weather damage, vandalism, fires, natural disasters and hitting animals like deer.

Full coverage is typically required if you lease or have a car loan. It also provides financial protection for new car owners. However, higher premiums may not be cost effective for older vehicles. To find out how much car insurance you need, strike a balance between ensuring sufficient coverage and managing insurance expenses.

Cheapest Car Insurance in Miramar After a Driving Offense

State Farm has the lowest rates for drivers with poor records across these driving offenses:

  • Speeding ticket: $2,333 per year
  • At-fault accident: $2,541 per year
  • DUI: $2,333 per year

Nationwide charges the highest rate for DUI at $5,941 per year, while State Farm maintains the same annual premium after a speeding ticket and a DUI. This shows that the impact of offenses on premiums can vary significantly between insurers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$2,333Monthly Premium$194
AllstateAnnual Premium$2,651Monthly Premium$221
TravelersAnnual Premium$2,662Monthly Premium$222
NationwideAnnual Premium$3,052Monthly Premium$254
ProgressiveAnnual Premium$3,232Monthly Premium$269
MercuryAnnual Premium$3,430Monthly Premium$286
Direct General InsuranceAnnual Premium$3,972Monthly Premium$331
FarmersAnnual Premium$3,987Monthly Premium$332
GEICOAnnual Premium$4,370Monthly Premium$364

In Miramar, insurance premiums rise with the severity of driving violations due to higher risk. Annual rates for drivers with speeding tickets average around $4,288, while premiums for DUIs can reach $4,908. Drivers with infractions should compare rates carefully to find the most affordable coverage.

Cheapest Car Insurance in Miramar for Teens and Their Families

Nationwide offers the cheapest car insurance for teens in Miramar. For a family with two parents and a teenager in a full coverage policy, the lowest rates are:

  • Nationwide: $4,513 per year for female teens and $5,083 per year for male teens
  • State Farm: $5,258 per year for female teens
  • Allstate: $5,777 per year for male teens

Travelers has the highest rates for family policies at $7,839 annually for male teens. This $3,326 difference from Nationwide's rate for female teens underscores the importance of comparing rates when adding a teenager to your policy. Premiums vary widely among insurers due to the higher risk associated with teenage drivers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$4,513Individual Plan Monthly Premium$7,830
State FarmFamily Plan Annual Premium$5,258Individual Plan Monthly Premium$5,103
AllstateFamily Plan Annual Premium$5,547Individual Plan Monthly Premium$20,106
GEICOFamily Plan Annual Premium$5,795Individual Plan Monthly Premium$6,207
TravelersFamily Plan Annual Premium$6,240Individual Plan Monthly Premium$10,606
FarmersFamily Plan Annual Premium$6,847Individual Plan Monthly Premium$15,324
ProgressiveFamily Plan Annual Premium$7,291Individual Plan Monthly Premium$9,964

In Miramar, individual policy premiums for teen drivers average $11,869 annually, while joining a family plan reduces the cost to about $6,437. Insurers justify higher rates for individual policies due to teens' limited driving experience and higher accident risk. Getting individual coverage can be tough for teens without a credit or driving history. Families often find joint policies more affordable and accessible for insuring teen drivers.

Cheapest Car Insurance in Miramar for Military Drivers

Travelers provides the cheapest car insurance for military backgrounds in Miramar.

  • Travelers: $1,887 per year
  • State Farm: $2,060 per year

USAA isn't in the dataset, but it usually offers competitive rates and specialized services for active-duty military members across many states.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$1,887Monthly Premium$157
State FarmAnnual Premium$2,060Monthly Premium$172
GEICOAnnual Premium$2,165Monthly Premium$180
MercuryAnnual Premium$2,322Monthly Premium$193
ProgressiveAnnual Premium$2,326Monthly Premium$194
AllstateAnnual Premium$2,535Monthly Premium$211
NationwideAnnual Premium$2,552Monthly Premium$213
FarmersAnnual Premium$3,135Monthly Premium$261
Direct General InsuranceAnnual Premium$3,972Monthly Premium$331

How to Compare Cheap Miramar Car Insurance Quotes Online

Shopping for car insurance in Miramar can save money, but it takes about 15 minutes per company and over an hour for at least three insurers. For efficiency, try MoneyGeek’s car insurance calculator. It focuses on key factors like age, driving history, credit score and coverage preferences to give quick rate estimates.

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MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 08, 2024

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Best Car Insurance in Miramar: Summary

Choosing the best auto insurance depends on your priorities, like service quality, cost and coverage options. MoneyGeek's scoring system evaluates these criteria to identify Miramar's top insurer per category:

  • Best overall: Mercury (86 out of 100)
  • Best for service: Mercury (83 out of 100)
  • Best cheap: Mercury (88 out of 100)

Mercury emerges as Miramar's top provider, offering exceptional overall value, service quality and affordability. Its high scores in multiple categories make it a compelling choice across different insurance needs for those seeking affordable options without compromising service.

Best Overall Car Insurance in Miramar

Mercury offers the best car insurance in Miramar. Here are the top providers known for balancing cost and quality:

  • Mercury: MoneyGeek score of 86 out of 100 ($2,322 per year)
  • State Farm: MoneyGeek score of 83 out of 100 ($2,060 per year)

Mercury excels with high satisfaction and claims scores, ensuring superior service and reliable claims processing for full coverage policies.

Company logo for Mercury
Best OverallMercury
MoneyGeek Score:
86/ of 100

Overview

Mercury earns a remarkable MoneyGeek score thanks to perfect ratings in claims handling and customer satisfaction. It also excels in affordability (26/30), making it a top choice for service excellence and value for money.

Despite a lower coverage score, Mercury offers roadside assistance and rental car and/or travel reimbursement. Its mechanical breakdown insurance covers unexpected repairs beyond typical warranties.

Best Car Insurance in Miramar for Customer Service

Mercury provides the best customer service for car insurance in Miramar.

  • Mercury: MoneyGeek score of 83 out of 100 ($2,322 per year)
  • State Farm: MoneyGeek score of 75 out of 100 ($2,060 per year)

Mercury's high score reflects its exceptional client satisfaction and efficient claims processing for policyholders in the city.

Company logo for Mercury
Best for Customer ServiceMercury
MoneyGeek Score:
83/ of 100

Overview

Mercury Insurance achieves a top MoneyGeek score with perfect ratings in satisfaction (45 out of 45) and claims (30 out of 30). It offers rental car and/or travel Reimbursement and 24/7 roadside assistance, providing peace of mind during emergencies and vehicle repairs. Mercury also offers mechanical breakdown insurance, which covers unexpected repair costs.

Best Cheap Car Insurance Companies in Miramar

Mercury is the best option in Miramar for budget-conscious drivers seeking quality car insurance based on affordability, claims handling and customer satisfaction.

  • Mercury: MoneyGeek score of 88 out of 100 ($868 per year)
  • Travelers: MoneyGeek score of 81 out of 100 ($890 per year)

Mercury provides exceptional value at a competitive price, leading with the highest MoneyGeek score. The insurer's strong affordability rating reflects its ability to provide cost-effective insurance while maintaining high standards of service and reliability.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
88/ of 100

Overview

Mercury excels with an affordability score of 38 out of 40 and perfect satisfaction and claims scores, providing a well-rounded service experience. It offers affordable protection with an annual premium averaging just $868 for minimum coverage.

Policyholders can save big with Mercury's range of discounts on automatic payments, paperless transactions, bundling policies, multiple cars, safe driving and anti-theft systems, as well as for teachers.

Average Cost of Car Insurance in Miramar

In Miramar, the average car insurance cost is $2,556 annually, surpassing Florida's average of $2,392 per year. The state average exceeds the national average of $1,781 by $611.

Premiums vary based on driving history, vehicle type and coverage choices. Location is also crucial, affecting costs due to claim frequency, crime rate, and traffic density. In Florida, urban areas like Hialeah have the highest premiums at $3,233, while less urban areas like Gainesville are more affordable at $1,699 annually.

BrandonAnnual Premium$2,650
Cape CoralAnnual Premium$1,868
ClearwaterAnnual Premium$2,273
Coral SpringsAnnual Premium$2,635
DavieAnnual Premium$2,567
Fort LauderdaleAnnual Premium$2,605
GainesvilleAnnual Premium$1,699
HialeahAnnual Premium$3,233
HollywoodAnnual Premium$2,724
JacksonvilleAnnual Premium$2,113
LakelandAnnual Premium$2,015
Lehigh AcresAnnual Premium$1,980
MiamiAnnual Premium$3,041
Miami GardensAnnual Premium$2,961
MiramarAnnual Premium$2,556
OrlandoAnnual Premium$2,146
Palm BayAnnual Premium$1,899
Pembroke PinesAnnual Premium$2,508
Pompano BeachAnnual Premium$2,696
Port St. LucieAnnual Premium$2,009
Spring HillAnnual Premium$2,152
St. PetersburgAnnual Premium$2,382
TallahasseeAnnual Premium$1,782
TampaAnnual Premium$2,855
West Palm BeachAnnual Premium$2,826

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.