Location: Premiums vary by ZIP code; areas in Miami, FL, with higher crime or more uninsured drivers (like 33127 or 33142) tend to see higher rates than safer neighborhoods.
Car Insurance in Miami, FL
- Travelers offers the cheapest car insurance in Miami at $245/mo.
- Compare and save on auto insurance in or near Miami, FL with The Zebra.
Enter your ZIP code to start your search:
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Reviewed By Renata Balasco
Edited By Kristine Lee
How much does car insurance cost in Miami?
The average cost for a six-month policy in Miami is $2,367 or around $394 per month. Miami drivers pay more than the average for car insurance in Florida ($1,819 every six months) and more than double the national average of $1,084.
Travelers offers the cheapest car insurance in Miami at $245 per month.
Car insurance quotes in Florida
Florida drivers in and near Miami saved money on car insurance recently using The Zebra:
$
57
/mo
Our licensed agents guided a driver in Clermont, FL find this smart deal on their Ford F-150 with Liberty Mutual.
$
49
/mo
This quote from Root Insurance helped a Audi TT driver in Gainesville, FL cut their insurance costs.
$
42
/mo
Drivers in Vero Beach, FL are getting smart deals on Honda Accord coverage from GEICO.
$
62
/mo
Our licensed agents guided a driver in Summerfield, FL find this smart deal on their Mazda Mazda3 with Bristol West.
$
69
/mo
Our licensed agents guided a driver in Ocala, FL find this smart deal on their Honda Fit with National General.
$
72
/mo
Our licensed agents guided a driver in Quincy, FL find this smart deal on their Chevrolet HHR with The General.
*Quotes generated for The Zebra users within the last 10 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap liability and full coverage auto insurance in Miami
In 2026, Travelers offers Miami's lowest full coverage rates at $245 per month (or $1,470 for six months).
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.
You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from expensive out-of-pocket bills down the line, which our experts say makes them worth considering.
Source: The Zebra
Agent insight: Is flood damage to the car covered by insurance during Florida's hurricane season?
"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
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Miami.
Are you paying too much for auto insurance?
Agency Hours in Miami, FL
Our friendly licensed agents help Miami, FL drivers compare car insurance by phone or online—no office visit required!
- Monday - Friday: 8:00 AM - 12:00AM EST
- Saturday - Sunday: 10:00AM - 9:00PM EST
Car insurance rates after an accident in Miami
In Miami, an at-fault accident can raise your car insurance by $1,101 for a 6-month policy. Travelers offers the cheapest average rates after an accident.
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...
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $2,429 | $0 |
| One comp claim | $2,605 | $176 |
| Speeding 16 - 20 MPH over limit | $2,898 | $469 |
| At-Fault Accident | $3,530 | $1,101 |
| DUI | $3,826 | $1,396 |
| Leaving scene of an accident/hit and run | $3,932 | $1,502 |
Source: The Zebra
Why is car insurance in Miami so expensive?
Miami drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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Weather: Hurricanes, floods, and other severe weather raise repair costs and insurer risk, driving up premiums across the region.
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Drivers: With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
Miami drivers' individual car insurance rates are determined by insurers based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Some rating factors may change over time, so getting new quotes regularly can help drivers determine whether they are still receiving the best rates for their coverage needs.
Local insights
Drivers near you in Miami weigh in
"Pay a little more but have the security that they will be fast and efficient; go for either GEICO, Progressive or Allstate. I’ve been with GEICO for years. Loyalty doesn’t mean anything to them, but they are still the “cheapest” of the 3 at least. Every claim we have ever done, they have covered it."
-Reddit user on r/Miami [1]
"I switch back and forth between Progressive and GEICO. They offer good rates at first but then creep up a lot after a year."
-Reddit user on r/Miami [1]
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
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Miami car insurance FAQs:
Sources:
Cheap car insurance that's worth it in the long run Reddit.com
Questions from Miami drivers:
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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.