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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How much does car insurance cost in Miramar?


The average car insurance rate in Miramar is $2,784 per year. That's greater than than the average in Florida ($2,309) and more expensive than the national average of $1,548. Our guide to car insurance in Miramar — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history and marital status. Read on for more information.

Miramar Average (annual) Florida Average U.S. Average
$2,784 $2,309 $1,548
Jump to Miramar auto insurance premiums by:


Miramar car insurance costs by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, State Farm offers Miramar's cheapest rates. Reference below the top options for affordable insurance in Miramar. Don't forget to get car insurance quotes based on your unique driving profile.

Insurer Average Rate (annual)
State Farm $2,200
GEICO $2,535
Progressive $3,301
Allstate $3,603

Find the best cheap auto insurance today. Or, see how each car insurance company stacks up in terms of customer satisfaction.


Miramar car insurance premiums by age

The age bracket that pays the least for auto insurance in Miramar consists of drivers in their 0s, who pay an average of $2,536. Those in their 60s don't pay much more ($2,595).

Teenage drivers pay Miramar's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Miramar is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Miramar is $4,451, the largest such difference between any two age groups.

Age bracket Average Yearly Rate
Teenagers $8,018
20s $3,567
30s $2,770
40s $2,710
50s $2,536
60s $2,595
70s $3,175

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


Miramar auto insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Miramar pay $117 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Miramar, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Miramar, female drivers pay more for auto insurance than do male drivers: $62 per year, to be precise.

Marital Status/Gender Average Annual Rate
Female $2,846
Male $2,784
Single $2,667
Married $2,667
Divorced $2,784
Widowed $2,732

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


Miramar car insurance costs by driving history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Miramar drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,527 per year versus the city average. A ticket for speeding results in a $746 rate hike while a DWI or DUI violation costs $1,386per year in extra insurance expenditures.

Citation Average Yearly Rate
DWI/DUI $4,171
Reckless Driving $4,311
At-fault Accident (damages < $1,000) $3,877
At-fault Accident (damages > $2,000) $3,877
Speeding Ticket (16-20 mph over speed limit) $3,530

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


Miramar car insurance rates by credit level


In many cases, a driver's credit level is closely correlated with their auto insurance rates. Miramar drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Miramar, improving your credit to "Fair" could help you earn a $2,153 decrease in yearly insurance premiums.

Credit Tier Average Annual Rate
Very Poor $5,586
Fair $3,433
Good $2,784
Very Good $2,513
Exceptional $2,224


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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.