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Car Insurance for Miami in 2025

Drivers in Miami pay an average of $5,571 per year for car insurance, but you might find cheaper coverage if you shop around.

Car Insurance for Miami in 2025
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Jul 1, 2025
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Car insurance in Miami, Florida costs an average of $5,571 per year for full coverage. But you may find cheaper options if you shop around, which is why it's important to compare rates from different companies.

To find the cheapest car insurance companies in The 305, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Miami driving a 2025 Toyota Camry LE.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.

To jumpstart your auto insurance shopping journey, here's a list of the cheapest companies in Miami.

CategoryCheapest CompanyMedian annual rate
Clean driving historyGEICO$2,410
After a DUIGEICO$4,109
After an accidentGEICO$3,336
After a speeding ticketGEICO$2,410
Having poor creditUAIC$3,979

Read on to find out how auto insurance companies in Miami stack up. You can also check out our analysis of cheap car insurance in Florida.

Looking for the best insurer? Read NerdWallet’s roundup of the best car insurance in Florida.


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Cheapest car insurance companies in Miami

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Miami, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyMedian annual rate
GEICO$2,410
State Farm$3,363
UAIC$3,979
Travelers$4,414
Nationwide$5,270
Private Client Select$7,003
Progressive$7,852
Allstate$8,556
Bristol West$9,554

Average car insurance cost in Miami and Florida

Rates across Florida differ from those in Miami for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. In a hotspot for tourists, beach lovers and club enthusiasts alike, Miami drivers are likely to face more potential dangers on the road than most.

According to NerdWallet’s most recent analysis, the average rate in Florida is $4,023, while in Miami it's $5,571.

Median City RateMedian State Rate
$5,571$4,023

Average cost of car insurance in Miami’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Miami and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIPMedian Rate
33186$6,246
33157$5,660
33178$6,189
33177$6,452
33142$6,439
33165$6,398
33125$6,484
33161$5,956
33175$6,445
33196$6,157

Cheap car insurance in Miami by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Miami for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Average car insurance rates in Miami by age

Below are the median full coverage rates for drivers of different ages with a good driving record and credit history.

AgeMedian Rate
20$11,616
30$5,571
35$5,571
40$5,571
50$5,270
60$4,873
70$5,705

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Miami might pay, on average.

CompanyMedian annual rate
GEICO$5,501
UAIC$6,235
State Farm$8,447
Nationwide$9,786
Private Client Select$11,131
Travelers$12,546
Progressive$13,526
Bristol West$15,689
Direct Auto$16,523

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Miami, according to NerdWallet’s analysis.

CompanyMedian annual rate
GEICO$2,410
State Farm$3,363
UAIC$3,979
Travelers$4,414
Nationwide$5,270
Private Client Select$7,003
Progressive$7,852
Allstate$8,556
Bristol West$9,554

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Miami, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
GEICO$2,177
State Farm$2,935
UAIC$3,463
Travelers$3,584
Nationwide$4,547
Private Client Select$6,045
Progressive$6,375
Allstate$7,688
Bristol West$8,499

Miami’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Miami by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Miami according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
GEICO$2,410
State Farm$3,363
UAIC$3,979
Travelers$4,414
Nationwide$5,270
Private Client Select$7,003
Progressive$7,852
Allstate$8,556
Bristol West$9,554

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Miami according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
GEICO$4,109
State Farm$5,355
UAIC$6,865
Travelers$7,295
Private Client Select$8,070
Progressive$8,804
Bristol West$10,188
Direct Auto$10,458
Nationwide$11,556

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Miami, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
GEICO$3,336
State Farm$4,567
UAIC$5,127
Travelers$5,988
Nationwide$7,551
Private Client Select$9,869
Progressive$11,501
Direct Auto$12,626
Bristol West$12,648

Drivers with a speeding ticket

The cost of being convicted of speeding usually doesn’t stop at the ticket you have to pay. Many car insurance companies increase rates for drivers with recent speeding tickets on record. This is especially true if you’ve had two or more offenses. But how much a single speeding ticket will increase insurance costs — if at all — will depend on your insurance company, driving record and more.

Here are the cheapest average rates for drivers with a single speeding ticket on record in Miami, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
GEICO$2,410
State Farm$3,906
UAIC$5,091
Travelers$5,722
Nationwide$7,033
Allstate$9,070
Private Client Select$9,568
Progressive$10,535
Bristol West$11,480
Direct Auto$11,532

Cheap car insurance in Miami for drivers with poor credit

Florida insurers use a credit-based insurance score to determine the likelihood you’ll file a claim. Your own credit score is likely a good indicator of your credit-based insurance score.

While rates on this page so far have been based on drivers with good credit, below you’ll find the cheapest average rates for drivers with poor credit in Miami, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
UAIC$3,979
GEICO$4,339
Nationwide$7,917
Travelers$9,143
Direct Auto$9,907
Private Client Select$10,414
Progressive$13,538
Allstate$15,365
Bristol West$15,376
State Farm$16,560

How to get cheap car insurance in Miami

If you’re wondering how to get cheap car insurance, here are six things you can try:

  1. Compare quotes from multiple insurers. Use NerdWallet’s car insurance comparison tool to easily shop for cheap auto insurance online. You may find that you already have the best car insurance deal, but prices can change, so check roughly once a year.

  2. Ask for discounts. You could save money from car insurance discounts you’re not taking advantage of. For example, maybe you work from home and don’t drive much. Mention that and you might get a low-mileage discount. Other common discounts are given for bundling car insurance with homeowners insurance, insuring multiple cars on the same policy and being a student.

  3. Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. Even if you moved to a more expensive area for car insurance, shopping around can help you get cheaper coverage.

  4. Raise your deductible. The higher your car insurance deductible, the more you pay out of pocket before insurance pays for a covered claim. The upside is that by raising your deductible, you’ll usually be able to lower your premium. Just make sure you have enough money set aside to cover the higher deductible if you ever get in an accident.

  5. Revisit quotes after your driving record improves. Shop for cheap auto insurance quotes online three to five years after any accidents, tickets or moving violations. They may have dropped off your driving record.

  6. Reconsider the car you drive. The type of car you drive affects how much you pay for auto insurance. For example, new and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure to see if your vehicle made the list.

» MORE: 8 ways to get the cheapest car insurance rates possible

Miami car insurance requirements

Miami drivers need to meet Florida's auto insurance coverage requirements.

At a minimum, Floridians must carry property damage liability and personal injury protection (PIP) in the following amounts:

  • $10,000 property damage liability per accident.

  • $10,000 personal injury protection.

METHODOLOGY

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2025 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.