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.
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!
| Miami Gardens Average (yearly) | Florida Average | U.S. Average |
| $3,048 | $2,309 | $1,548 |
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.
| Insurance Company | Average 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.
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.
| Age | Average 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.
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.
| Marital Status/Gender | Average 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.
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.
| Incident/Violation | Average 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.
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.
| Credit Score | Average 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.
