Cheapest and Best Car Insurance Companies in Miramar, FL

The best insurer for you will vary based on your driver profile and needs. Drivers on a budget may consider GEICO for the cheapest minimum coverage policies. State Farm offers the cheapest rates for full coverage policies and drivers with traffic violations. Teens can save more with an insurance policy from Nationwide. Those willing to spend more for top-notch customer service should consider Travelers.

The following insurers offer the cheapest minimum coverage rates in Miramar:

• GEICO: $607 per year
• State Farm: $786 per year

Direct General Insurance offers the most expensive minimum coverage policies in Miramar at $1,652 per year. GEICO also offers the cheapest car insurance in Florida at $485 per year as of October 2022.

A minimum coverage policy in Florida includes property damage liability and personal injury protection. In Florida, drivers are required to have the following limits at a minimum:

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

Liability coverage protects drivers from paying out of pocket for an at-fault accident. A minimum coverage policy with $10,000 in property damage liability will cover up to $10,000 in expenses to repair damaged property (another person’s vehicle or property). You will be responsible for any additional costs.

In Miramar, the following insurers offer the cheapest rates for a full coverage policy:

• State Farm: $1,549 per year
• GEICO: $1,649 per year

The most expensive company, Direct General Insurance, charges $3,071 per year for full coverage policies. As of October 2022, State Farm also offers the cheapest full coverage car insurance in Florida at $1,058 per year, $491 less than its average rate in Miramar.

A full coverage policy combines liability insurance with comprehensive and collision insurance.

• Collision Insurance covers damages related to collisions with another vehicle or an object
• Comprehensive Insurance covers unexpected damages outside of collisions including natural disasters, theft, hail, etc.

Typically full coverage policies are best for owners of new vehicles as a way to safeguard their investment. They may not be worth the added cost for owners with older vehicles.

The cheapest companies in Miramar for full coverage car insurance after a driving violation are:

• Speeding ticket: State Farm ($1,752 per year)
• At-fault accident: State Farm ($1,907 per year)
• DUI: State Farm ($1,752 per year)

The most expensive rates for drivers with a speeding ticket are available from GEICO for $3,296 per year, while Allstate has the highest rates for drivers with at-fault accidents at $4,311 per year. Drivers with DUI offenses will pay the most with Nationwide at $4,319 per year. A driving violation can significantly increase the cost of your insurance; even affordable rates for drivers with offenses will still be relatively more expensive than an average rate for a driver with a clean history.

The cost of your insurance will increase in proportion to the severity of your driving offense. For instance, drivers in Miramar with a speeding ticket will pay approximately $374 more for car insurance than those with a DUI offense. Although rates will be more expensive, it’s still possible to find relatively cheap car insurance with a bad driving record.

In Miramar, the following insurers offer the cheapest full coverage policies to 16-year-old teens on a family policy:

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

In comparison, Progressive offers female teens the most expensive policies in Miramar at $7,291 per year. Travelers sells male teens the most expensive policies at $7,839 per year. Male teens generally pay more for car insurance than female teens, as the former are considered riskier to insure. For instance, Nationwide, the cheapest insurer, charges male teens $597 more per year for insurance. However, this cost discrepancy drops off in early adulthood.

Since rates are generally expensive for teens, one way to get cheap car insurance for teens is to add them to an existing policy instead of purchasing an individual one. For instance, a 16-year-old male in Miramar could save up to $4,940 per year by joining a family policy instead of purchasing an individual policy.

In Miramar, active military members and their families can get the cheapest full coverage policies from the following insurers:

• State Farm: $1,549 per year
• GEICO: $1,649 per year

The cheapest minimum coverage policies are also available from State Farm and GEICO for $607 per year and $786 per year, respectively.

Another company with tailored coverages and discounts for military members is USAA. It is consistently one of the cheapest options for military drivers nationwide.

It can be time-consuming to compare rates from multiple insurers — obtaining a single quote can take up to 15 minutes. Fortunately, MoneyGeek simplified the process for you with our auto insurance calculator. This tool quickly generates an estimate using your age, vehicle type, coverage level and driving record.

The best car insurance company for you will vary based on how much you value cost, affordability and coverage options. MoneyGeek identified the best insurers in Miramar for different categories:

• Best overall: State Farm (MoneyGeek score of 76 out of 100)
• Best for service: Travelers (MoneyGeek score of 60 out of 100)
• Best cheap: GEICO (MoneyGeek score of 78 out of 100)

An insurer’s overall score may vary based on how factors were weighted in that category. State Farm also offers the best car insurance in Florida. Military members and their families may consider USAA for their car insurance needs.

Overall, the following insurers provide the best full coverage policies in Miramar:

• State Farm: MoneyGeek score of 76 out of 100 ($1,549 per year)
• GEICO: MoneyGeek score of 73 out of 100 ($1,649 per year)

Of the insurers in our study, State Farm offers the cheapest rates and has the highest customer satisfaction score. This means you won’t have to pay more for quality customer service.

Not taking cost into account, the following insurers offer the best customer service in Miramar:

• Travelers: MoneyGeek score of 60 out of 100 ($1,945 per year)
• State Farm: MoneyGeek score of 58 out of 100 ($1,549 per year)

Of the insurers in our study, Travelers has the highest claims management rating and the third-highest customer satisfaction score. Compared to other insurers, the insurer’s rates are also relatively affordable.

MoneyGeek ranked the best cheap car insurance providers in Miramar based on rates for a minimum coverage policy that includes the state-mandated liability limits in Florida:

• GEICO: MoneyGeek score of 78 out of 100 ($607 per year)
• State Farm: MoneyGeek score of 71 out of 100 ($786 per year)

Minimum coverage policies may be the cheapest, but they offer the least amount of liability protection and won’t reimburse you for damages to your own vehicle if you get in an accident.

The average cost of car insurance in Florida is $1,935 per year, $148 less than the cost of car insurance in Miramar at $2,083 per year as of October 2022. Meanwhile, the national average cost of car insurance is $1,265 per year, $670 more than the state average.

The rates included above are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.