The average Miamian's annual cost of coverage


Our customer's average savings after comparing insurance


That's equal to 185 cuban sandwiches or $1,293 in savings

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Where you live in Miami affects your car insurance rates.

Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately, Miami is no exception to the rule. From zip code 33140 to 33125, premiums rise by 45 percent—that’s $1214.

Expensive Cheap
33136 33130 33128 33135 33125
33140 33141 33154 33197 33160

Be Prepared For

Driving in MIA

Major Highways
I-95 SR 826 SR 878
Public Transit
Metrorail Metrobus
Toll Roads
SR 112 SR 836 SR 821
Popular Day Trips
Everglades National Park Florida Keys Biscayne National Park

Miami Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Miami, you can expect 135 rainy days with an annual rainfall of 61.9 inches. Miami is also known to experience thunderstorms and occasional hurricanes. You can check on the condition of the roads anytime here.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Car Insurance Companies in Miami

Find Local Miami Agents

Butler, Buckley, Deets, Inc.

6161 Blue Lagoon Dr #420 Miami, FL 33126

Kahn Carlin Insurance

3350 S. Dixie Highway Miami, FL 33133

iSure Insurance Brokers

8700 West Flagler Street Miami, FL 33174

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