Miami Gardens Car Insurance

The Zebra
May 30, 2018

Car Insurance in Miami Gardens

Florida premiums are $451 greater than the national average, which is why the state is recognized for its pricey rates. Premiums run even higher in the city, so in Miami Gardens, it is critical to save while insuring a vehicle. Who doesn't like to save money? Check out some ways to save on car insurance in Miami Gardens.

  • City Average: $2,668
  • State Average: $1,878
  • National Average: $1,427

Miami Gardens Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are $2,780 more a year. Moving from Fair (580-669) to Good (670-739) generates the most significant percent drop in premiums, as drivers save close to 18% per year.

  • Very Poor: $5,123
  • Fair: $4,184
  • Good: $3,410
  • Very Good: $2,795
  • Exceptional: $2,343

Miami Gardens Car Insurance by Gender and Marital Status

Quite a few driver characteristics, including marital status and gender, have an effect on car insurance premiums in Miami Gardens. Females have premiums that are roughly 3% more costly than those for males. Being married can save you an average of $108 per year compared to being single or divorced. Rates for those who are widowed are slightly cheaper than rates for those who are single.

  • Female: $2,740
  • Male: $2,668
  • Single: $2,668
  • Married: $2,560
  • Divorced: $2,668
  • Widowed: $2,618

Miami Gardens Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can cost you in terms of car insurance rates. You can expect your yearly car insurance payments to rise by 39% if you are found at-fault in an accident in Miami Gardens. Many people treat speed limits with leniency, but a ticket for speeding (16-20mph over the limit) increases your car insurance rates by a sizeable 29%.

  • DUI: $4,066
  • Reckless Driving: $4,035
  • At-fault Accident (damages less than $1000): $3,718
  • At-fault Accident (damages greater than $2000): $3,718
  • Speeding Ticket (16-20 mph over speed limit): $3,429

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Miami Gardens Car Insurance by Age

Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $7,552 on average. When drivers reach their 20s in Miami Gardens, therefore moving out of the teenage age range, they pay $4,035 less in premiums. It is the biggest gap between any age group. In Miami Gardens, turning 60 means an increase in car insurance premiums. Up until then, progressing between age groups means decreasing prices. Drivers in their 50s save money on car insurance payments, as they have the lowest rates among all age groups, paying only $2,420 each year. Those in their 60s ($2,457) also have relatively low premiums.

  • Teenagers: $7,552
  • 20s: $3,517
  • 30s: $2,652
  • 40s: $2,596
  • 50s: $2,420
  • 60s: $2,457
  • 70s: $2,970