Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Miami Gardens after a DUI is State Farm
  • Average car insurance rates in Miami Gardens, FL are $581/month
  • Average car insurance rates in Miami Gardens, FL for senior drivers are $4,211/year

Average car insurance rates in Miami Gardens, Florida are $581 a month. But with a little research you can get a great deal from the top car insurance companies in Miami Gardens, FL. Before you buy Miami Gardens, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Miami Gardens car insurance rates with Hialeah car insurance rates, Cape Coral car insurance rates, or Tampa car insurance rates to make sure you’re getting the best Miami Gardens, FL car insurance quotes available.

Need affordable Miami Gardens, FL car insurance? Enter your ZIP code to compare Miami Gardens car insurance quotes from multiple car insurance companies near you.

Miami Gardens, FL Minimum Car Insurance Coverage

Miami Gardens, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Miami Gardens, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Miami Gardens, FL Car Insurance Rates by Coverage Level

Some Miami Gardens drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Miami Gardens, Florida car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Miami Gardens, Florida

Insurance Company Low Medium High
Allstate $8,216 $11,227 $12,559
GEICO $3,877 $4,750 $5,184
Liberty Mutual $7,575 $8,361 $8,694
Nationwide $5,665 $7,291 $8,143
Progressive $6,972 $8,285 $9,105
State Farm $5,058 $5,767 $6,176
USAA $3,828 $4,686 $5,004

Miami Gardens, FL Car Insurance Rates by Age, Gender, and Marital Status

Miami Gardens, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Miami Gardens, FL car insurance, get quotes from multiple car insurance companies in the Miami Gardens area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Miami Gardens, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $6,999 $6,472 $5,979 $5,951 $22,761 $24,051 $6,594 $6,531
GEICO $3,617 $3,631 $3,379 $3,379 $6,552 $8,229 $3,994 $4,046
Liberty Mutual $5,605 $5,605 $5,115 $5,115 $12,131 $18,822 $5,605 $7,681
Nationwide $4,946 $4,855 $4,379 $4,544 $11,895 $14,588 $5,436 $5,622
Progressive $5,483 $5,202 $4,618 $4,964 $15,159 $16,415 $6,742 $6,384
State Farm $3,765 $3,765 $3,374 $3,374 $10,102 $12,395 $4,200 $4,361
USAA $2,579 $2,542 $2,394 $2,388 $8,937 $10,399 $3,262 $3,546

Miami Gardens, FL Car Insurance Rates for Teens

How much is Miami Gardens, Florida car insurance for teens? Compare rates from top Miami Gardens car insurance companies below to help find the cheapest teen car insurance in Miami Gardens, FL.

Annual Car Insurance Rates for Teen Drivers in Miami Gardens, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,761 $24,051
GEICO $6,552 $8,229
Liberty Mutual $12,131 $18,822
Nationwide $11,895 $14,588
Progressive $15,159 $16,415
State Farm $10,102 $12,395
USAA $8,937 $10,399

Miami Gardens, FL Car Insurance Rates for Seniors

Before seniors buy Miami Gardens, Florida car insurance, they should make sure to shop around. Some Miami Gardens, FL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Miami Gardens, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,979 $5,951
GEICO $3,379 $3,379
Liberty Mutual $5,115 $5,115
Nationwide $4,379 $4,544
Progressive $4,618 $4,964
State Farm $3,374 $3,374
USAA $2,394 $2,388

Miami Gardens, FL Car Insurance Rates by Credit History

How does your credit history affect Miami Gardens, FL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Miami Gardens, Florida

Insurance Company Poor Fair Good
Allstate $15,178 $9,371 $7,454
GEICO $6,764 $4,043 $3,004
Liberty Mutual $10,650 $7,747 $6,233
Nationwide $8,942 $6,416 $5,742
Progressive $10,656 $7,520 $6,186
State Farm $7,832 $5,060 $4,109
USAA $7,378 $3,566 $2,573

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Miami Gardens, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Miami Gardens, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Miami Gardens.

Annual Miami Gardens, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,227 $11,148 $12,108 $10,187
GEICO $3,167 $4,084 $6,143 $5,020
Liberty Mutual $5,955 $7,703 $11,095 $8,086
Nationwide $5,978 $6,591 $8,909 $6,654
Progressive $6,400 $9,477 $7,999 $8,607
State Farm $5,162 $6,172 $5,667 $5,667
USAA $3,540 $4,358 $6,417 $3,709

Miami Gardens, FL Car Insurance Rates With a DUI

Even a single DUI can increase your Miami Gardens, FL car insurance rates. Compare rates below to see which Miami Gardens car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Miami Gardens, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,108
GEICO $6,143
Liberty Mutual $11,095
Nationwide $8,909
Progressive $7,999
State Farm $5,667
USAA $6,417

Miami Gardens, FL Car Insurance Rates by ZIP Code

Just like Miami Gardens car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Miami Gardens, FL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Miami Gardens, Florida

ZIP Code Average Annual Rates
33054 $5,432
33055 $5,251
33056 $5,247

Miami Gardens, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Miami Gardens, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Miami Gardens companies based on commute time.

Annual Car Insurance Rates by Commute Length in Miami Gardens, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,365 $10,970
GEICO $4,581 $4,626
Liberty Mutual $7,936 $8,483
Nationwide $7,033 $7,033
Progressive $8,121 $8,121
State Farm $5,441 $5,893
USAA $4,454 $4,558

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Miami Gardens, FL Cheapest Car Insurance Rates

How do the top Miami Gardens, Florida car insurance companies’ average rates stack up against the Miami Gardens average monthly car insurance rates of $581? Take a look and see.

Best Annual Car Insurance Rates by Company in Miami Gardens, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation USAA

Miami Gardens, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Miami Gardens, Florida car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Miami Gardens, Florida

Insurance Company Average Annual Rates
Allstate $10,667
GEICO $4,603
Liberty Mutual $8,210
Nationwide $7,033
Progressive $8,121
State Farm $5,667
USAA $4,506

Other Factors Affecting Miami Gardens, FL Car Insurance Rates

Before you buy Miami Gardens, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Miami Gardens, FL Car Theft Rates

The car theft rate in Miami Gardens, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Miami Gardens, Florida is 466 stolen cars.

Miami Gardens, FL Commute Time

How does your Miami Gardens, FL commute time compare with the average driver? In Miami Gardens, the average commute is 32.7 minutes.

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Miami Gardens, FL Car Insurance Quotes

Compare Miami Gardens, FL car insurance quotes from multiple companies by entering your ZIP code now.