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How much does auto insurance cost in Miami?

Auto insurance costs an average of $3,075 per year in Miami. That's more expensive than the average across Florida ($2,309) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to be quoted based on your marital status, age, credit score, and other common factors in Miami.

Miami Average (annual)Florida AverageNational Average

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Miami car insurance costs by company

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Miami, GEICO provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Miami — but don't forget to get personalized car insurance quotes to match your driving profile.

InsurerAverage Rate (annual)
State Farm$3,217

Check out our guide to learn how to find the best cheap car insurance.

Auto insurance premiums by age in Miami

Miami drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $2,802per year, on average. Those in their 60s don't pay much more ($2,848).

Young drivers aged 16 to 19 pay the most for car insurance in Miami. When Miami drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Miami is $4,753, the largest such difference between any two age brackets.

Age groupAverage Yearly Rate

Learn more about the impact of age on auto insurance rates.

Miami car insurance rates by marital status and gender

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Miami, married motorists pay $111 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Miami, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Miami, female drivers pay $99 per year more than do male drivers.

Marital Status/GenderAverage Yearly Rate

Learn more about the impact gender and marital status have on insurance rates.

Miami car insurance premiums by citation and accident history

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Miami drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,548 per year versus the city average. A ticket for speeding results in a $787 rate hike while a DWI or DUI violation costs $1,388per year in extra insurance expenditures.

Violation/IncidentAverage Annual Rate
Reckless Driving$4,623
At-fault Accident (damages less than $1,000)$4,277
At-fault Accident (damages greater than $2,000)$4,277
Speeding Ticket (16-20 mph over speed limit)$3,862

Learn more about how citations can raise your auto insurance rates.

Miami car insurance rates by credit level

It's no secret credit score is closely correlated with car insurance rates. In fact, Miami drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 62% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Miami, improving your credit to "Fair" could help you earn $2,510 in savings on insurance premiums each year.

Credit LevelAverage Annual Rate
Very Poor$6,337
Very Good$2,771

Get additional information on how credit impacts car insurance costs.

What drives up car insurance rates in Miami?

Where you live in Miami affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Miami is no exception to the rule. From ZIP code 33140 to 33125, premiums rise by 45 percent—that’s $1214.

Expensive Miami ZIP codes: 33136, 33130, 33128, 33135, 33125

Cheap Miami ZIP codes: 33140, 33141, 33154, 33197, 33160

Miami Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Miami, you can expect 135 rainy days with an annual rainfall of 61.9 inches. Miami is also known to experience thunderstorms and occasional hurricanes.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in MIA

Major Highways
I-95 SR 826 SR 878
Public Transit
Metrorail Metrobus
Toll Roads
SR 112 SR 836 SR 821
Popular Day Trips
Everglades National Park Florida Keys Biscayne National Park

City of Miami Parking

ParkMe in Miami

Car Insurance Companies in Miami

21st Century Acceptance Insurance AFI Allied Allstate Amica Mutual Insurance AssuranceAmerica Auto-Owners Bristol West Cinch Dairyland Direct Auto Electric Insurance Company Esurance FIMC Foremost GAINSCO GEICO Hanover Infinity Jupiter Auto KAI Kingsway America Liberty Mutual Mendota Mercury MetLife National General Nationwide Neptune Flood Insurance Progressive Safeco State Farm Stillwater The General The Hartford Titan Tower Hill Travelers United Automobile Universal Property UPC USAA Windhaven

Find Local Miami Agents

NCF Insurance Associates, Inc.

8700 W Flagler St Ste 320, Miami, FL 33174

Dopazo & Associates Inc

8725 NW 18 Terrace Ste 300, Miami, FL 33172

Prime Insurance Alliance, Inc.

5835 Blue Lagoon Dr, Ste 304, Miami, FL 33126

Koski & Co, Inc

9875 Sunset Dr, Miami, FL 33173

Insurance Marketing Center Inc

2500 NW 79 Ave Ste 208, Miami, FL 33122

Arthur J Gallagher Risk Management Services, Inc.

8333 NW 53rd St Ste 600, Miami, FL 33168

Butler, Buckley, Deets, Inc.

6161 Blue Lagoon Dr #420, Miami, FL 33126

Kahn Carlin Insurance

3350 S. Dixie Highway, Miami, FL 33133

BenTrust Insurance Group

701 Waterford Way #300, Miami, FL 33126

ABACOA Insurance Group, Inc.

8000 NW 7th St Ste 202, Miami, FL 33126

The Madison Insurance & Financial Group

15190 SW 136th St Suite 21, Miami, FL 33196

iSure Insurance Brokers

8700 West Flagler Street Suite 270, Miami, FL 33174

Insurance Office of America, Inc.

1150 NW 72 Ave Ste 530, Miami, FL 33126


8660 W Flagler St, Ste 101A, Miami, FL 33144

Morris & Reynolds Insurance

14821 South Dixie Highway, Miami, FL 33176



The average Miamian's annual cost of coverage



Our customer's average savings after comparing insurance



That's equal to 185 cuban sandwiches or $1,293 in savings

See How Much You Can Save in Miami

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Recent Questions:

What is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?

The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news?
Sep 19, 2019 Miami, FL

Can I file a claim if my insurance policy is canceled but was active at the time of an accident?

It will depend on how long ago the accident happened. You can use our chart on time limits for filing claims by state and see if you still have time to file a claim.
Jan 15, 2017 Miami, FL

Does my son need to be on my car insurance policy or his own?

Insurance is regulated at the state level so he will need an insurance policy for the state and zip code he lives in. Here is a guide on driving and insurance laws in Tennessee.
Apr 12, 2018 Miami, Florida

What happens if I stop paying for my SR22?

If you stop paying for the SR-22, the insurance is required to notify the state that the policy is canceled. Typically, the state will suspend your license and you may have additional fines as well.
Jan 31, 2019 Miami, FL

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.