Miramar Car Insurance

The Zebra
May 30, 2018

Car Insurance in Miramar

On average, premiums in Miramar are $377 higher than the state average, so it is important to save while insuring a vehicle in Miramar. Going over some ways to save on Miramar car insurance can save you money.

  • City Average: $2,255
  • State Average: $1,878
  • National Average: $1,427

Miramar Car Insurance by Credit Rating

Those with Very Poor credit (300-579) pay an average of more than twice as much every year for car insurance than those with Exceptional credit (800-850). Drivers will see the greatest drop in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $675 per year.

  • Very Poor: $4,380
  • Fair: $3,578
  • Good: $2,903
  • Very Good: $2,367
  • Exceptional: $1,969

Miramar Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can have an impact on your premiums. On average, a DUI in Miramar will cost you 55% more in car insurance premiums versus the city average of $2,255. Reckless driving will drive your premiums up as well, with average rates of $3,455. That is 53% higher than the city average! Speeding 16-20mph over the speed limit can cost you big time in terms of insuring your vehicle. Drivers with a speeding ticket on their record spend, on average, 31% more per year.

  • DUI: $3,487
  • Reckless Driving: $3,455
  • At-fault Accident (damages less than $1000): $3,128
  • At-fault Accident (damages greater than $2000): $3,128
  • Speeding Ticket (16-20 mph over speed limit): $2,944

Miramar Car Insurance by Gender and Marital Status

A lot of driver traits, including marital status and gender, can have an effect on car insurance premiums in Miramar. Females have premiums that are nearly 2% more pricey than those for males. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being married can save you an average of $101 per year compared to being single.

  • Female: $2,298
  • Male: $2,255
  • Single: $2,255
  • Married: $2,154
  • Divorced: $2,255
  • Widowed: $2,204

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Miramar Car Insurance by Age

In Miramar, drivers see the most significant decrease in premiums when they reach their 20s, as they pay an average of 54% less after moving out of the teenage age bracket. Turning 60 triggers a rise in car insurance premiums, but up until that age drivers can expect premium reductions when they move from one age group to the next. At $2,046, drivers in their 50s have the lowest insurance payments among any age group. People in their 60s ($2,087) also have relatively low premiums. With rates of $6,387 on average, teenage drivers pay the most in car insurance premiums.

  • Teenagers: $6,387
  • 20s: $2,961
  • 30s: $2,241
  • 40s: $2,192
  • 50s: $2,046
  • 60s: $2,087
  • 70s: $2,539