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Car Insurance Quotes in Miami, FL

Full coverage / year
$4,051
State minimum / year
$1,328
Typical quote range
$2,876 – $5,590

Drivers in Miami pay an estimated $4,051 a year for full coverage car insurance, or about $338 a month. That sits about 16% above the Florida average, which is what you would expect from city-level congestion, a higher share of uninsured drivers, and costlier repairs. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Miami, FL

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$338/ month
$4,051 per year · carriers in Miami, FL typically quote $2,876 – $5,590
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Miami, FL

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$3,079$257-24%Military members and families only
Geico$3,322$277-18%Usually cheapest for clean records
State Farm$3,565$297-12%Strong for young and student drivers
Progressive$3,848$321-5%Competitive after a ticket or accident
Travelers$3,929$327-3%Good multi-policy discounts
Nationwide$4,051$3380%Mid-market, wide availability
Allstate$4,618$385+14%Higher base rate, heavy discount stacking
Farmers$4,902$409+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Miami, FL. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Miami

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$10,941$3,586$912
18 years old$9,229$3,025$769
20 years old$7,642$2,505$637
22 years old$6,348$2,081$529
25 years old$4,844$1,588$404
30 years old$4,176$1,369$348
40 years old$3,925$1,287$327
50 years old$3,758$1,232$313
60 years old$3,717$1,218$310
65 years old$3,884$1,273$324
70 years old$4,260$1,396$355
75 years old$4,969$1,629$414

Estimated premiums by age in Miami, FL, clean record, sedan.

What a ticket, accident or DUI costs in Miami

Driving recordEst. annualIncrease
Clean record$4,051—
1 speeding ticket$4,982+23%
1 at-fault accident$5,955+47%
DUI / DWI$7,656+89%

What a violation costs a 35-year-old in Miami, FL. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Florida

Every driver registering a vehicle in Florida must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Florida Department of Insurance.

Required coverage in FloridaMinimum limit
Property damage liability$10,000
Personal Injury Protection $10,000Required
Insurance systemNo-fault

Coverage levels compared in Miami

Coverage levelEst. annualEst. monthly
State minimum liability$1,328$111
Full coverage (100/300/100 + comp & collision)$4,051$338
Full coverage, high limits + low deductible$4,820$402

Coverage level comparison for Miami, FL.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Miami

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Miami covers 33101, 33102, 33107, 33110, 33111, 33112 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Miami, FL?
Full coverage in Miami is estimated at $4,051 a year ($338 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $1,328 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Florida?
Florida requires at least $10,000 property damage liability, plus personal injury protection $10,000. Florida is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Miami?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Miami for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Miami?
An 18-year-old in Miami is estimated at $9,229 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Miami?
A DUI takes the estimate from $4,051 to about $7,656 a year in Miami, an increase of roughly 89%. Florida drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Miami?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

Little HavanaAllapattahMiami BeachBrownsvilleCoral GablesCoconut GroveCoral TerraceWest Little River

Comparing more of Florida? See every Florida city we price or read the cheap car insurance guide for Miami.