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Get Cheap Car Insurance in Miami Gardens, FL
We monitor insurance prices, helping the average driver in Miami Gardens save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Miami Gardens
The chart below shows the cheapest car insurance company in Miami Gardens for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Miami Gardens Insurer | Monthly Cost |
|---|---|
| Geico | $171 |
| State Farm | $182 |
| Gainsco | $237 |
| Bristol West | $237 |
Savings for Every Kind of Miami Gardens Driver
Based on our extensive insurance data, we know the average Miami Gardens driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $1,051 per year by choosing the right vehicle insurance company. Some Miami Gardens residents are paying out over $3,593 extra every year for auto insurance in Miami Gardens. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Miami Gardens, FL Savings / Yr. |
|---|---|
$1,051 |
|
$1,543 |
|
$1,187 |
|
$1,175 |
|
$3,733 |
|
$1,020 |
|
$1,486 |
Miami Gardens Car Insurance vs. Florida
People living in Miami Gardens pay an average of 35.99% more than the typical driver in the state. The average driver in Miami Gardens can expect to pay about $3,280 per year, or $3,593 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Miami Gardens for most people.
Car Insurance Prices by Miami Gardens Neighborhood
Insurance Prices
Where is insurance cheapest within Miami Gardens?
The map shows insurance prices in and around Miami Gardens, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $522 per year within the city boundaries, with insurance premiums ranging from a high of $3,807 to a low of $3,285. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the West parts of Miami Gardens.Pick the Best Car Insurance Company for You in Miami Gardens
The best car insurance provider for most drivers in Miami Gardens
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $1,051 over the average Miami Gardens car insurance company.
The best car insurance provider for Miami Gardens drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,543 over the competition.
The best car insurance company for Miami Gardens drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,187 better than other car insurance companies.
The best auto insurance for Miami Gardens drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $1,175 less each year.
The least expensive car insurance company for new and young drivers in Miami Gardens
In Miami Gardens, Geico costs young drivers $3,733 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Miami Gardens
Geico gave the largest car insurance discounts to married couples, averaging $1,020 saved each year compared to an average Miami Gardens couple's premiums.
The cheapest car insurance in Miami Gardens for drivers with bad credit
The best Miami Gardens car insurance company for customer service
Allstate was the best company for customer service in Miami Gardens according to the NAIC.
Recent price drops
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The cheapest large national provider in Miami Gardens
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Miami Gardens driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Miami Gardens, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Miami Gardens
What Influences the Cost of Car Insurance in Miami Gardens?
On average, car insurance in Miami Gardens is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Miami Gardens is 41 minutes, which is far more than average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Miami Gardens are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Miami Gardens is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Miami Gardens is $273 per month for minimum coverage and $299 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Opa-Locka: Insurance costs 2.37% less
- Ives Estates: Insurance costs 4.65% less
- Golden Glades: Insurance costs 0.89% more
- West Park: Insurance costs 5.98% less
- Pembroke Park: Insurance costs 6.18% less
- Miramar: Insurance costs 8.60% less
- Westview: Insurance costs 2.03% more
- Country Club: Insurance costs 4.79% less
- North Miami Beach: Insurance costs 3.56% less
- North Miami: Insurance costs 0.28% less
Cities with Similar Populations
- Jackson: Insurance costs 49.93% less
- Johns Creek: Insurance costs 45.31% less
- Jackson: Insurance costs 21.32% less
- Jupiter: Insurance costs 25.77% less
- Greer: Insurance costs 54.38% less
- Georgetown: Insurance costs 53.69% less
- Greensboro: Insurance costs 64.99% less
- Gastonia: Insurance costs 63.62% less
- Glen Burnie: Insurance costs 45.25% less
- Greenville: Insurance costs 54.55% less