Car Insurance in Miami, FL
- Mercury offers the cheapest car insurance in Miami at $213/mo.
- Compare and save on auto insurance in or near Miami, FL with The Zebra.
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About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
How much does car insurance cost in Miami?
The average cost for a six-month policy in Miami is $2,054 or around $342 per month. Miami drivers pay more than the average for car insurance in Florida ($1,631 every six months) and more than double the national average of $1,145.
Mercury offers the cheapest car insurance in Miami at $213 per month.
- Mercury offers the cheapest full coverage rates in Miami at $213/mo. For minimum coverage, Mercury is the cheapest option at $30/mo.
- Car insurance in Miami is so expensive primarily because of destructive weather events, heavy traffic congestion, and a high rate of uninsured drivers.
- An at-fault accident in Miami can cause rate hikes of up to $1,559.
Cheap liability and full coverage auto insurance in Miami
In 2026, Mercury offers Miami's lowest full coverage rates at $213 per month. Mercury has the cheapest minimum coverage at $30 per month.
Full coverage generally combines collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 48% of Miami drivers carry only basic coverage—legal on paper, but it might not give you the financial protection you’d expect after a serious wreck.
Source: The Zebra
"Yes, flooded cars are covered if you have comprehensive insurance, but have your limits as high as possible. Water damage is really bad for cars, especially saltwater, which is very corrosive."
-Erick Sosa, Licensed Agent at The Zebra
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Why is car insurance in Miami so expensive?
Miami drivers pay higher rates due to a mix of local risks, weather, and driving trends.
1. Weather
Hurricanes, floods, and other severe weather raise repair costs and insurer risk, driving up premiums across the region.
2. Dense urban traffic
Premiums vary by ZIP code; areas in Miami, FL, with higher crime, heavy traffic and out of town drivers tend to result in higher accident and claim rates. Insurance companies will often raise rates as result.
3. Uninsured drivers
With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
Car insurance rates after an accident in Miami
In Miami, an at-fault accident can raise your car insurance by $1,559 for a 6-month policy. Keeping a good driving record is the best way to avoid these increases. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $2,458 | $0 |
| One comp claim | $2,614 | $156 |
| Speeding 16 - 20 MPH over limit | $2,952 | $494 |
| At-Fault Accident | $3,613 | $1,155 |
| DUI | $3,942 | $1,484 |
| Leaving scene of an accident/hit and run | $4,038 | $1,580 |
Source: The Zebra
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Florida drivers in and near Miami saved money on car insurance recently using The Zebra:
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*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Miami car insurance FAQs:
Questions from Miami drivers:
Does AIG cover expensive cars for hurricanes and floods in Florida?
If I cancel a policy less than 24 hours after starting it, will I get a refund?
At-fault wants to pay for damage he caused out of pocket
Should we keep car insurance for an elderly driver?
How much is car insurance near me? — explore more cities near Miami, FL
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 editorial 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.
