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Get Cheap Car Insurance in West Avenue, Miami Beach, FL

We monitor insurance prices, helping the average driver in West Avenue save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in West Avenue

The chart below shows the cheapest car insurance company in West Avenue 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.

 
West Avenue Insurer Monthly Cost
Geico $145
State Farm $154
Gainsco $201
Bristol West $201

Savings for Every Kind of West Avenue Driver

The table shows how much the average auto insurance customer in West Avenue might save by following our recommendations.

Based on our extensive insurance data, we know the average West Avenue 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 $890 per year by choosing the right vehicle insurance company. Some West Avenue residents are paying out over $3,043 extra every year for auto insurance in West Avenue. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
West Avenue, Miami Beach, FL Savings / Yr.
Drivers with good records
$890
Drivers with accidents
$1,307
Drivers with speeding tickets
$1,006
Drivers with a DUI conviction
$995
Young drivers
$3,162
Married drivers
$864
Drivers with bad credit
$1,259

West Avenue Car Insurance vs. Miami Beach

People living in West Avenue pay an average of 15.20% more than the typical driver in the state. The average driver in West Avenue can expect to pay about $2,779 per year, or $3,043 for full coverage.

Based on our analysis, Geico will be the cheapest provider in West Avenue for most people.

Car Insurance Prices by West Avenue Neighborhood

West Avenue, Miami Beach, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within West Avenue?

The map shows insurance prices in and around West Avenue, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $332 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,187 to a low of $2,855. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of West Avenue.

Pick the Best Car Insurance Company for You in West Avenue

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the West Avenue insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in West Avenue

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $890 over the average West Avenue car insurance company.

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We use the average good driver, paying $179 per month, as our baseline for pricing in West Avenue. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for West Avenue drivers with accidents on their records

In West Avenue getting into an accident will raise premiums an average 28% for a yearly cost of $4,225. That's $1,182 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,307 over the competition.

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The best car insurance company for West Avenue drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $1,006 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In West Avenue, tickets raise premiums on new quotes about $848. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,891 per year.

The best auto insurance for West Avenue drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,154 per year in auto insurance premiums, which was $1,110 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $995 less each year.

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The least expensive car insurance company for new and young drivers in West Avenue

In West Avenue, Geico costs young drivers $3,162 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in West Avenue. With an average cost of $9,133 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in West Avenue

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $214. State Farm, Geico, and Progressive provided the largest discounts to couples living in West Avenue.

Geico gave the largest car insurance discounts to married couples, averaging $864 saved each year compared to an average West Avenue couple's premiums.

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The cheapest car insurance in West Avenue for drivers with bad credit

People with poor credit saved an average of $1,259 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,455 every year. Premiums for people with poor credit were about $4,498 in West Avenue. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best West Avenue car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In West Avenue, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in West Avenue.

Allstate was the best company for customer service in West Avenue according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in West Avenue, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in West Avenue. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in West Avenue

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 72% of West Avenue residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average West Avenue driver can expect to pay about $156 per month.

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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 West Avenue, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around West Avenue

What Influences the Cost of Car Insurance in West Avenue?

On average, car insurance in West Avenue 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 West Avenue is 32 minutes, which is about the national 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 West Avenue are about average 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.
  • West Avenue is one of the least populated areas in the state. The neighborhood’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 West Avenue is $232 per month for minimum coverage and $254 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

Neighborhoods with Similar Populations

* Who is the average West Avenue driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central West Avenue with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.