Greater Miami’s Worst Commutes: More Gas, Higher Insurance and Wasted Time

Auto Insurance, Insurance
Greater Miami’s Worst Commutes

If you live in Greater Miami, your commute could come with 50 hours of delays each year. In addition to time spent in transit, commuters face significant financial costs, namely for Florida car insurance and gas. But which Greater Miami drivers have the worst commute?

A new NerdWallet study has found that Miami Gardens and North Miami Beach are the two worst cities for commuters in Greater Miami. We crunched the numbers and ranked the worst commutes by analyzing two major costs of commuting: time and money.

Financial costs

Gas and car insurance costs can vary depending on your commute. Commuters in Greater Miami can end up paying very different amounts for car insurance depending on where they live. Those in Jupiter pay the least, with an average annual premium of $1,385.75. In contrast, those in Opa-Locka pay the most, with an average of $2,349.17.

Gas prices also fluctuate significantly in Greater Miami. Drivers in Opa-Locka pay the least, at an average of $3.35 a gallon. However, those in Key Biscayne pay the most for gas, averaging $3.91 a gallon.

Time costs

In addition to car-related costs, the commute itself can negatively impact a commuter’s health, happiness and pocketbook. Time spent traveling could have been used exercising, resting, or being with loved ones. Longer commutes can lead to high blood pressure and poor fitness. Researchers have also found that long commutes can increase stress levels, anxiety and the likelihood depression.

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NerdWallet analyzed the following factors to determine the worst cities for commuters in Greater Miami:

  1. How expensive is gas? (15%) We looked at the average gas prices in each ZIP code.
  2. How much does insurance cost? (15%) Insurance is costly and premiums can vary depending on where you live. We found average insurance costs by ZIP code to give you an accurate estimate of how much you could be paying.
  3. How long are workers’ commutes? (50%) We looked at the length of the average worker’s one-way commute.
  4. Are there many commuters? (20%) We looked at the percentage of workers who drive alone to work. Higher percentages of commuters driving alone will likely mean more congestion and longer commutes.

Key findings

  • Not all Greater Miami commutes are equal.  Workers in Homestead face an average commute of 32.5 minutes each way. The average commute in Palm Beach, on the other hand, is only 18.7 minutes each way. In total, assuming there are 260 workdays each year, workers in Homestead spend 12o more hours per year in traffic than workers in Palm Beach.
  • Greater Miami drivers pay 65.8% more on annual car insurance premiums than the rest of the nation. The national average annual car insurance premium costs $1,099.71, but drivers in Greater Miami spend an average of $1,822.87.
  • Gas prices vary significantly depending on location in Greater Miami. Opa-Locka has the cheapest gas prices at $3.35 a gallon, while those in Key Biscayne face the most expensive gas prices, at $3.91 a gallon.

The 10 Worst Greater Miami Commutes

1. Miami Gardens
Average car insurance premium: $2,303.88
Average gas price: $3.42
Average commute time: 29.5 minutes
Percentage of workers driving to work alone: 80.1%

2. North Miami Beach
Average car insurance premium: $1,948.96
Average gas price: $3.53
Average commute time: 31.3 minutes
Percentage of workers driving to work alone: 71.0%

3. Homestead
Average car insurance premium: $1,999.54
Average gas price: $3.41
Average commute time: 32.5 minutes
Percentage of workers driving to work alone: 64.6%

4. Wellington
Average car insurance premium: $1,760.71
Average gas price: $3.69
Average commute time: 28.3 minutes
Percentage of workers driving to work alone: 81.4%

5. Hallandale Beach
Average car insurance premium: $1,960.29
Average gas price: $3.48
Average commute time: 29.0 minutes
Percentage of workers driving to work alone: 78.0%

6. Hollywood
Average car insurance premium: $1,791.45
Average gas price: $3.46
Average commute time: 27.6 minutes
Percentage of workers driving to work alone: 77.3%

7. Opa-Locka
Average car insurance premium: $2,349.17
Average gas price: $3.35
Average commute time: 23.8 minutes
Percentage of workers driving to work alone: 80.9%

8. Hialeah
Average car insurance premium: $2,219.20
Average gas price: $3.40
Average commute time: 24.0 minutes
Percentage of workers driving to work alone: 78.9%

9. Key Biscayne
Average car insurance premium: $1,826.83
Average gas price: $3.91
Average commute time: 23.0 minutes
Percentage of workers driving to work alone: 72.5%

10. Miami
Average car insurance premium: $1,969.63
Average gas price: $3.48
Average commute time: 26.2 minutes
Percentage of workers driving to work alone: 68.8%

The full list

Rank City Average annual insurance premium Average gas price Average commute time (minutes) Percentage of workers commuting alone Commute points
1 Miami Gardens $2,303.88 $3.42 29.5 80.1 26.25
2 North Miami Beach $1,948.96 $3.53 31.3 71.0 28.14
3 Homestead $1,999.54 $3.41 32.5 64.6 30.63
4 Wellington $1,760.71 $3.69 28.3 81.4 30.94
5 Hallandale Beach $1,960.29 $3.48 29.0 78.0 33.17
6 Hollywood $1,791.45 $3.46 27.6 77.3 41.92
7 Opa-Locka $2,349.17 $3.35 23.8 80.9 47.44
8 Hialeah $2,219.20 $3.40 24.0 78.9 48.90
9 Key Biscayne $1,826.83 $3.91 23.0 72.5 48.98
10 Miami $1,969.63 $3.48 26.2 68.8 49.17
11 Dania Beach $1,835.58 $3.50 24.3 76.9 52.24
12 Boynton Beach $1,809.42 $3.55 22.9 82.3 52.80
13 Deerfield Beach $1,769.77 $3.46 24.1 79.1 53.68
14 Pompano Beach $1,757.66 $3.45 24.8 75.1 54.28
15 Delray Beach $1,819.92 $3.57 22.5 75.5 58.15
16 Fort Lauderdale $1,719.96 $3.46 24.3 72.1 58.26
17 West Palm Beach $1,887.18 $3.48 22.5 77.2 58.41
18 Lake Worth $1,886.33 $3.46 26.1 57.2 58.97
19 Belle Glade $1,616.46 $3.59 24.2 68.8 59.04
20 Jupiter $1,385.75 $3.65 21.9 81.2 61.18
21 Boca Raton $1,701.59 $3.73 20.4 77.7 61.92
22 Palm Beach Gardens $1,476.33 $3.62 20.8 81.2 64.66
23 Miami Beach $1,642.47 $3.65 25.0 51.8 65.36
24 Coral Gables $1,532.71 $3.50 21.7 74.6 67.98
25 North Palm Beach $1,477.83 $3.45 20.2 80.1 72.07
26 Palm Beach $1,946.00 $3.72 18.7 63.1 74.11

Methodology

NerdWallet only surveyed places with more than 6,000 residents. The overall score for each place was calculated from the following measures:

  1. Mean travel time to work from the 2013 U.S. Census Bureau American Community Survey.
  1. Percentage of workers commuting alone by car from the 2013 U.S. Census Bureau American Community Survey.
  1. Average gas price from January-November 2014 Gas Buddy data.
  1. Average car insurance rates from NerdWallet’s Car Insurance Comparison Tool.

Image via iStock.