Miramar Car Insurance

How much does car insurance cost in Miramar?


The average car insurance rate in Miramar is $2,784 per year. That's greater than than the average across Florida ($2,309) and more expensive than the national average of $1,548. Our guide to car insurance in Miramar — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.


MIRAMAR CAR INSURANCE RATES
Miramar Average (annual)Florida AverageU.S. Average
$2,784$2,309$1,548

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Miramar car insurance costs by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, State Farm offers Miramar's cheapest rates. Reference below the top options for affordable insurance in Miramar. Don't forget to get car insurance quotes based on your unique driving profile.


MIRAMAR CAR INSURANCE RATES BY COMPANY
InsurerAverage Rate (annual)
State Farm$2,200
GEICO$2,535
Progressive$3,301
Allstate$3,603

Read our guide to finding the best cheap auto insurance.



Miramar car insurance premiums by age

The age bracket that pays the least for auto insurance in Miramar consists of drivers in their age_50s, who pay an average of $2,536. Those in their age_60s don't pay much more ($2,595).

Teenage drivers pay Miramar's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Miramar is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Miramar is $4,451, the largest such difference between any two age groups.


MIRAMAR AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$8,018
20s$3,567
30s$2,770
40s$2,710
50s$2,536
60s$2,595
70s$3,175

Learn more about the impact of age on auto insurance rates.



Miramar auto insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Miramar pay $117 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Miramar, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Miramar, female drivers pay more for auto insurance than do male drivers: $62 per year, to be precise.


MIRAMAR AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$2,846
Male$2,784
Single$2,667
Married$2,667
Divorced$2,784
Widowed$2,732

Learn more about how gender and marital status have on auto insurance rates.



Miramar car insurance costs by driving history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Miramar drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,527 per year versus the city average. A ticket for speeding results in a $746 rate hike while a DWI or DUI violation costs $1,386per year in extra insurance expenditures.


AVERAGE MIRAMAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Yearly Rate
DWI/DUI$4,171
Reckless Driving$4,311
At-fault Accident (damages < $1,000)$3,877
At-fault Accident (damages > $2,000)$3,877
Speeding Ticket (16-20 mph over speed limit)$3,530

Learn more about the impact of driving violations on car insurance rates.



Miramar car insurance rates by credit level


In many cases, a driver's credit level is closely correlated with their auto insurance rates. Miramar drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Miramar, improving your credit to "Fair" could help you earn a $2,153 decrease in yearly insurance premiums.


MIRAMAR CAR INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Annual Rate
Very Poor$5,586
Fair$3,433
Good$2,784
Very Good$2,513
Exceptional$2,224

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.