What drives up car insurance rates in Miami?
Car Insurance in Miami
Being knowledgeable about premiums while insuring a vehicle in Miami is important because Miami premiums are recognized for being expensive. They are generally $773 higher than the state average. Keep some money in your pocket by following the tips below about how to save on car insurance in Miami.
- City Average: $2,651
- State Average: $1,878
- National Average: $1,427
Miami Car Insurance by Accident or Violation History
Accidents and violations on your driving record can cost you in terms of prices on car insurance. Even among safe drivers, accidents happen, so be prepared and learn what can happen to your rates after one. Being at-fault in an accident costs drivers an additional 39% per year to insure your vehicle in Miami. Typically, a DUI in Miami will cost you 51% more in car insurance premiums versus the city average ($2,651). Reckless driving will push your premiums up as well, with typical rates of $3,976, which are 50% higher than the city average.
- DUI: $4,013
- Reckless Driving: $3,976
- At-fault Accident (damages less than $1000): $3,688
- At-fault Accident (damages greater than $2000): $3,688
- Speeding Ticket (16-20 mph over speed limit): $3,396
Miami Car Insurance by Age
Teenage drivers have the highest rates out of all the age groups, with typical car insurance payments of $7,502. When drivers hit their 20s in Miami, therefore moving out of the teenage age range, they save an average of 54% on car insurance. You won't see a larger difference between any other age group. Car insurance premiums continue to trend downward up until drivers hit 60. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance payments among any age group, with rates of $2,407/year. People in their 60s ($2,438) have premiums that aren't much higher.
- Teenagers: $7,502
- 20s: $3,488
- 30s: $2,634
- 40s: $2,580
- 50s: $2,407
- 60s: $2,438
- 70s: $2,944
Miami Car Insurance by Gender and Marital Status
Both gender and marital status can play a role in your car insurance premiums in Miami. Males have premiums that are roughly 3% cheaper than those for females. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being married, as opposed to single or divorced, can save you approximately 4% per year.
- Female: $2,725
- Male: $2,651
- Single: $2,651
- Married: $2,551
- Divorced: $2,651
- Widowed: $2,603
Miami Car Insurance by Credit Rating
The discrepancy between average car insurance premiums in Miami for those with Exceptional credit (800-850) and Very Poor credit (300-579) is $2,812/year. Drivers will see the greatest percent drop in premiums when they upgrade their credit from Fair (580-669) to Good (670-739). That change can save them 19% per year.
- Very Poor: $5,135
- Fair: $4,179
- Good: $3,398
- Very Good: $2,778
- Exceptional: $2,323
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 Miami Zip Codes: 33136, 33130, 33128, 33135, 33125
Cheap Miami Zip Codes: 33140, 33141, 33154, 33197, 33160
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
Find Local Miami Agents
Kahn Carlin Insurance
3350 S. Dixie Highway Miami, FL 33133
NCF Insurance Associates, Inc.
8700 W Flagler St Ste 320 Miami, FL 33174
Insurance Office of America, Inc.
1150 NW 72 Ave Ste 530 Miami, FL 33126
Dopazo & Associates Inc
8725 NW 18 Terrace Ste 300 Miami, FL 33172
Morris & Reynolds Insurance
14821 South Dixie Highway Miami, FL 33176
Arthur J Gallagher Risk Management Services, Inc.
8333 NW 53rd St Ste 600 Miami, FL 33168
Koski & Co, Inc
9875 Sunset Dr Miami, FL 33173
iSure Insurance Brokers
8700 West Flagler Street Miami, FL 33174
Prime Insurance Alliance, Inc.
5835 Blue Lagoon Dr, Ste 304 Miami, FL 33126
ABACOA Insurance Group, Inc.
8000 NW 7th St Ste 202 Miami, FL 33126
BenTrust Insurance Group
701 Waterford Way #300 Miami, FL 33126
The Madison Insurance & Financial Group
15190 SW 136th St Miami, FL 33196
PROFESSIONAL INSURANCE AGENCY GROUP INC
8660 W Flagler St, Ste 101A Miami, FL 33144
Insurance Marketing Center Inc
2500 NW 79 Ave Ste 208 Miami, FL 33122
Butler, Buckley, Deets, Inc.
6161 Blue Lagoon Dr #420 Miami, FL 33126
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Miami Car Insurance
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