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Get Cheap Car Insurance in North Miami, FL
We monitor insurance prices, helping the average driver in North Miami save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in North Miami
The chart below shows the cheapest car insurance company in North Miami 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.
| North Miami Insurer | Monthly Cost |
|---|---|
| Geico | $171 |
| State Farm | $181 |
| Gainsco | $237 |
| Bristol West | $237 |
Savings for Every Kind of North Miami Driver
Based on our extensive insurance data, we know the average North Miami 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 $1,048 per year by choosing the right vehicle insurance company. Some North Miami residents are paying out over $3,583 extra every year for auto insurance in North Miami. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Miami, FL Savings / Yr. |
|---|---|
$1,048 |
|
$1,539 |
|
$1,184 |
|
$1,172 |
|
$3,723 |
|
$1,017 |
|
$1,482 |
North Miami Car Insurance vs. Florida
People living in North Miami pay an average of 35.62% more than the typical driver in the state. The average driver in North Miami can expect to pay about $3,271 per year, or $3,583 for full coverage.
Based on our analysis, Geico will be the cheapest provider in North Miami for most people.
Car Insurance Prices by North Miami Neighborhood
Insurance Prices
Where is insurance cheapest within North Miami?
The map shows insurance prices in and around North Miami, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $648 per year within the city boundaries, with insurance premiums ranging from a high of $3,786 to a low of $3,138. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of North Miami.Pick the Best Car Insurance Company for You in North Miami
The best car insurance provider for most drivers in North Miami
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $1,048 over the average North Miami car insurance company.
The best car insurance provider for North Miami 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 $1,539 over the competition.
The best car insurance company for North Miami drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,184 better than other car insurance companies.
The best auto insurance for North Miami drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $1,172 less each year.
The least expensive car insurance company for new and young drivers in North Miami
In North Miami, Geico costs young drivers $3,723 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Miami
Geico gave the largest car insurance discounts to married couples, averaging $1,017 saved each year compared to an average North Miami couple's premiums.
The cheapest car insurance in North Miami for drivers with bad credit
The best North Miami car insurance company for customer service
Recent price drops
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The cheapest large national provider in North Miami
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average North Miami 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 North Miami, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around North Miami
What Influences the Cost of Car Insurance in North Miami?
On average, car insurance in North Miami 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 North Miami is 40 minutes, which is a little 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 North Miami are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- North Miami 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 North Miami 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
- Biscayne Park: Insurance costs 3.15% less
- Golden Glades: Insurance costs 1.17% more
- Miami Shores: Insurance costs 5.72% less
- Pinewood: Insurance costs 3.29% more
- El Portal: Insurance costs 5.22% less
- North Miami Beach: Insurance costs 3.29% less
- Bay Harbor Islands: Insurance costs 9.99% less
- Westview: Insurance costs 2.32% more
- Indian Creek: Insurance costs 10.97% less
- Bal Harbour: Insurance costs 13.59% less
Cities with Similar Populations
- Biloxi: Insurance costs 49.99% less
- Brentwood: Insurance costs 42.20% less
- Casper: Insurance costs 57.21% less
- Clermont: Insurance costs 29.03% less
- Cookeville: Insurance costs 63.02% less
- State College: Insurance costs 61.88% less
- Malden: Insurance costs 40.66% less
- North Little Rock: Insurance costs 49.73% less
- Northglenn: Insurance costs 42.45% less
- Port Orchard: Insurance costs 57.91% less