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.
Cheapest and Best Car Insurance in Miramar, FL (July 2024)
GEICO offers Miramar's cheapest minimum coverage at $801 annually. Mercury, with a MoneyGeek score of 86 out of 100, provides the best affordability and service.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
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](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). 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.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Venus Zoleta
Senior Content Editor
Venus Zoleta is a Senior Content Editor at MoneyGeek, with over six years of experience covering personal finance topics. She has written in-depth articles on credit cards, loans, insurance and fintech for a leading financial platform in the Philippines. She also brings 20 years of experience in journalism, corporate communications and digital marketing. Zoleta holds a Bachelor of Arts degree in journalism from the University of the Philippines Diliman.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
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](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). 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.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Venus Zoleta
Senior Content Editor
Venus Zoleta is a Senior Content Editor at MoneyGeek, with over six years of experience covering personal finance topics. She has written in-depth articles on credit cards, loans, insurance and fintech for a leading financial platform in the Philippines. She also brings 20 years of experience in journalism, corporate communications and digital marketing. Zoleta holds a Bachelor of Arts degree in journalism from the University of the Philippines Diliman.
Updated: September 9, 2024
Advertising & Editorial Disclosure
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.
These rates reflect the cheapest car insurance quotes in Miramar, FL, as of July 2024.
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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
GEICO | Annual Premium$801 | Monthly Premium$67 |
Mercury | Annual Premium$868 | Monthly Premium$72 |
Travelers | Annual Premium$890 | Monthly Premium$74 |
State Farm | Annual Premium$1,098 | Monthly Premium$92 |
Allstate | Annual Premium$1,192 | Monthly Premium$99 |
Nationwide | Annual Premium$1,302 | Monthly Premium$109 |
Progressive | Annual Premium$1,339 | Monthly Premium$112 |
Farmers | Annual Premium$1,557 | Monthly Premium$130 |
Direct General Insurance | Annual Premium$1,976 | Monthly 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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Travelers | Annual Premium$1,887 | Monthly Premium$157 |
State Farm | Annual Premium$2,060 | Monthly Premium$172 |
GEICO | Annual Premium$2,165 | Monthly Premium$180 |
Mercury | Annual Premium$2,322 | Monthly Premium$193 |
Progressive | Annual Premium$2,326 | Monthly Premium$194 |
Allstate | Annual Premium$2,535 | Monthly Premium$211 |
Nationwide | Annual Premium$2,552 | Monthly Premium$213 |
Farmers | Annual Premium$3,135 | Monthly Premium$261 |
Direct General Insurance | Annual Premium$3,972 | Monthly 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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
State Farm | Annual Premium$2,333 | Monthly Premium$194 |
Allstate | Annual Premium$2,651 | Monthly Premium$221 |
Travelers | Annual Premium$2,662 | Monthly Premium$222 |
Nationwide | Annual Premium$3,052 | Monthly Premium$254 |
Progressive | Annual Premium$3,232 | Monthly Premium$269 |
Mercury | Annual Premium$3,430 | Monthly Premium$286 |
Direct General Insurance | Annual Premium$3,972 | Monthly Premium$331 |
Farmers | Annual Premium$3,987 | Monthly Premium$332 |
GEICO | Annual Premium$4,370 | Monthly 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.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Nationwide | Family Plan Annual Premium$4,513 | Individual Plan Monthly Premium$7,830 |
State Farm | Family Plan Annual Premium$5,258 | Individual Plan Monthly Premium$5,103 |
Allstate | Family Plan Annual Premium$5,547 | Individual Plan Monthly Premium$20,106 |
GEICO | Family Plan Annual Premium$5,795 | Individual Plan Monthly Premium$6,207 |
Travelers | Family Plan Annual Premium$6,240 | Individual Plan Monthly Premium$10,606 |
Farmers | Family Plan Annual Premium$6,847 | Individual Plan Monthly Premium$15,324 |
Progressive | Family Plan Annual Premium$7,291 | Individual 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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Travelers | Annual Premium$1,887 | Monthly Premium$157 |
State Farm | Annual Premium$2,060 | Monthly Premium$172 |
GEICO | Annual Premium$2,165 | Monthly Premium$180 |
Mercury | Annual Premium$2,322 | Monthly Premium$193 |
Progressive | Annual Premium$2,326 | Monthly Premium$194 |
Allstate | Annual Premium$2,535 | Monthly Premium$211 |
Nationwide | Annual Premium$2,552 | Monthly Premium$213 |
Farmers | Annual Premium$3,135 | Monthly Premium$261 |
Direct General Insurance | Annual Premium$3,972 | Monthly 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.
Car Insurance Calculator
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.
Rates updated:
Oct 08, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
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.
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.
Ranks first in the city for general customer satisfaction
Ranks first in the city for claims satisfaction
Offers mechanical breakdown insurance, roadside assistance and rental car/travel reimbursement
Ranks fourth in the city for affordability, with an average annual premium of $2,321
Doesn't offer gap insurance or OEM coverage
MoneyGeek's ratings for Miramar car insurance are based on customer satisfaction, cost, claims service, coverage options and company stability.
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.
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.
Ranks first in the city for customer satisfaction and claims
Offers mechanical breakdown insurance and roadside assistance
Doesn't offer gap insurance or OEM coverage
MoneyGeek's Miramar car insurance rankings prioritize customer satisfaction and effective claims processing, plus coverage options and insurer's financial health.
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.
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.
Offers many discounts like bundling and safe driving
Ranks first in customer satisfaction
Ranks first in claims handling
Ranks second in coverage options
Low average annual premium for minimum coverage
MoneyGeek ranks Miramar's car insurance focusing on cost effectiveness for basic coverage, along with customer satisfaction, claims processing, options and financial stability.
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.
Brandon | Annual Premium$2,650 |
Cape Coral | Annual Premium$1,868 |
Clearwater | Annual Premium$2,273 |
Coral Springs | Annual Premium$2,635 |
Davie | Annual Premium$2,567 |
Fort Lauderdale | Annual Premium$2,605 |
Gainesville | Annual Premium$1,699 |
Hialeah | Annual Premium$3,233 |
Hollywood | Annual Premium$2,724 |
Jacksonville | Annual Premium$2,113 |
Lakeland | Annual Premium$2,015 |
Lehigh Acres | Annual Premium$1,980 |
Miami | Annual Premium$3,041 |
Miami Gardens | Annual Premium$2,961 |
Miramar | Annual Premium$2,556 |
Orlando | Annual Premium$2,146 |
Palm Bay | Annual Premium$1,899 |
Pembroke Pines | Annual Premium$2,508 |
Pompano Beach | Annual Premium$2,696 |
Port St. Lucie | Annual Premium$2,009 |
Spring Hill | Annual Premium$2,152 |
St. Petersburg | Annual Premium$2,382 |
Tallahassee | Annual Premium$1,782 |
Tampa | Annual Premium$2,855 |
West Palm Beach | Annual Premium$2,826 |
About Mark Fitzpatrick
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.