Miami Gardens, FL Car Insurance

The average cost of insurance in Miami Gardens is $254 per month — almost double the national average. Explore ways to save on auto insurance in Florida with our guide.

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What's the average cost of car insurance in Miami Gardens?

 

The average cost of car insurance in Miami Gardens, Florida, is $3,048 each year. That's pricier than the statewide average in Florida ($2,309) and more expensive than the national average of $1,548. Our guide to Miami Gardens auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
AUTO INSURANCE: MIAMI GARDENS RATES VS. STATE + NATIONAL AVERAGES
Miami Gardens Average (yearly)Florida AverageU.S. Average
$3,048$2,309$1,548
 
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Miami Gardens car insurance rates by company

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Miami Gardens, GEICO provides the most affordable rates for the typical insurance customer. Reference below the top options for affordable insurance in Miami Gardens. Don't forget to get car insurance quotes based on your unique driving profile.

 
MIAMI GARDENS CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
GEICO$2,376
State Farm$2,926
Progressive$4,111
Allstate$4,127
 

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

 

Auto insurance premiums by age in Miami Gardens

Miami Gardens drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $2,775 per year, on average. Those in their 60s don't pay much more ($2,826).

Teenage drivers pay Miami Gardens's most expensive auto insurance rates. When Miami Gardens drivers hit their 20s, their insurance rates drop substantially. In Miami Gardens, teenage drivers pay $8,624 — a full $5,798 more than the second-most expensive rate paid by an age group.

 
MIAMI GARDENS CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$8,624
20s$3,878
30s$3,032
40s$2,962
50s$2,775
60s$2,826
70s$3,441
 

Learn more about how age influences auto insurance rates.

 

Miami Gardens car insurance premiums by gender and marital status

 

In some cases, a driver's marital status and gender may affect their car insurance rates. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Miami Gardens pay $118 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Miami Gardens, single drivers pay more than those who are widowed.

Another component of auto insurance pricing is gender. In Miami Gardens, female drivers pay more for auto insurance than do male drivers: $98 per year, to be precise.

 
MIAMI GARDENS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$3,146
Male$3,048
Single$2,930
Married$2,930
Divorced$3,048
Widowed$3,002
 

Learn more about how gender and marital status have on auto insurance rates.

 

Miami Gardens car insurance costs by accident and citation history

 

If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Miami Gardens drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $1,558 per year versus the city average. A ticket for speeding results in a $795 rate hike, on average, while a DUI violation costs $1,393 per year in insurance premiums.

 
MIAMI GARDENS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Yearly Rate
DUI/DWI$4,441
Reckless Driving$4,607
At-fault Accident (damages less than $1,000)$4,254
At-fault Accident (damages greater than $2,000)$4,254
Speeding Ticket (16-20 mph over speed limit)$3,844
 

Learn more about the impact of driving violations on car insurance rates.

 

Miami Gardens auto insurance rates by credit level

 

It's no secret credit score is closely correlated with car insurance rates. In Miami Gardens, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 62% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Miami Gardens, moving into the "Fair" credit tier corresponds to an average of $2,472 in savings on insurance each year.

 
MIAMI GARDENS AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$6,265
Fair$3,792
Good$3,048
Very Good$2,744
Exceptional$2,408
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 

Compare quotes and find an affordable policy!

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.