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

Ready to start saving?

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