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Get Cheap Car Insurance in Overtown, Miami, FL
We monitor insurance prices, helping the average driver in Overtown save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Overtown
The chart below shows the cheapest car insurance company in Overtown 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.
| Overtown Insurer | Monthly Cost |
|---|---|
| Geico | $172 |
| State Farm | $183 |
| Gainsco | $239 |
| Bristol West | $239 |
Savings for Every Kind of Overtown Driver
Based on our extensive insurance data, we know the average Overtown 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 $1,056 per year by choosing the right vehicle insurance company. Some Overtown residents are paying out over $3,610 extra every year for auto insurance in Overtown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Overtown, Miami, FL Savings / Yr. |
|---|---|
$1,056 |
|
$1,551 |
|
$1,193 |
|
$1,181 |
|
$3,751 |
|
$1,025 |
|
$1,493 |
Overtown Car Insurance vs. Miami
People living in Overtown pay an average of 36.64% more than the typical driver in the state. The average driver in Overtown can expect to pay about $3,296 per year, or $3,610 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Overtown for most people.
Car Insurance Prices by Overtown Neighborhood
Insurance Prices
Where is insurance cheapest within Overtown?
The map shows insurance prices in and around Overtown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $675 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,789 to a low of $3,114. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Overtown.Pick the Best Car Insurance Company for You in Overtown
The best car insurance provider for most drivers in Overtown
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $1,056 over the average Overtown car insurance company.
The best car insurance provider for Overtown 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 $1,551 over the competition.
The best car insurance company for Overtown drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,193 better than other car insurance companies.
The best auto insurance for Overtown drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $1,181 less each year.
The least expensive car insurance company for new and young drivers in Overtown
In Overtown, Geico costs young drivers $3,751 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Overtown
Geico gave the largest car insurance discounts to married couples, averaging $1,025 saved each year compared to an average Overtown couple's premiums.
The cheapest car insurance in Overtown for drivers with bad credit
The best Overtown car insurance company for customer service
Recent price drops
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The cheapest large national provider in Overtown
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Overtown 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 Overtown, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Overtown
What Influences the Cost of Car Insurance in Overtown?
On average, car insurance in Overtown 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 neighborhood are influenced by the following factors:
- The average commute time in Overtown is 34 minutes, which is a little more than average for a driver in the city.
- 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 Overtown 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 F according to CrimeGrade.org.
- Overtown has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Overtown is $275 per month for minimum coverage and $301 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 Neighborhoods
- Downtown Miami: Insurance costs 9.58% less
- Wynwood: Insurance costs 7.42% less
- Little Havana: Insurance costs 0.66% less
- Allapattah: Insurance costs 0.91% more
- Coral Way: Insurance costs 5.82% less
- Model City: Insurance costs 1.99% more
- Little Haiti: Insurance costs 2.08% more
- West Flagler: Insurance costs 1.94% less
- West Avenue: Insurance costs 15.71% less
- Upper Eastside: Insurance costs 8.31% less
Neighborhoods with Similar Populations
- Groveton: Insurance costs 61.80% less
- West A: Insurance costs 58.81% less
- West Ward: Insurance costs 57.40% less
- Arlington: Insurance costs 36.32% less
- Mar Lee: Insurance costs 38.67% less
- Alamedan Valley: Insurance costs 54.38% less
- Mandell: Insurance costs 42.27% less
- Tall Timbers: Insurance costs 12.55% more
- Ceder Grove-Lynbrook: Insurance costs 13.19% less
- Edison Historic District: Insurance costs 34.90% less