Determining which companies quote the cheapest auto insurance rates in Miami Gardens calls for more time in order to find the most economical policy. Each insurer has a proprietary method for setting prices, so let's look at the rankings for the most budget-friendly auto insurance companies in Miami Gardens.
It's a good idea to know that Florida auto insurance rates are impacted by many things that will increase or decrease the cost of your policy. Improving your credit rating, having a teenage driver, or getting a driving violation may prompt premium changes resulting in some rates now being more affordable than before.
|Rank||Company||Cost Per Year|
|Compare Rates Now Go|
USAA may offer some of the lowest car insurance rates in Miami Gardens at around $948 per year. This is $1,500 less than the average premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also are some of the most economical Miami Gardens, FL car insurance companies.
In this example, if you currently have coverage with Progressive and switched to USAA, you might achieve an annual savings of about $827. Policyholders with Travelers may save as much as $997 a year, and Mercury customers might cut rates by $1,044 a year.
To see if your current coverage is too expensive, click here or visit any of the low-priced companies below.
These rates are averages across all drivers and vehicles in Florida and are not factoring in an exact vehicle garaging location in Miami Gardens. So the car insurance company that can offer you the lowest price may not even be in the top 21 companies in the list above. That illustrates why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
For drivers in Miami Gardens, one of the largest considerations that help determine auto insurance rates is your address in Miami Gardens. More densely populated places tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.
The following table ranks the most expensive places in Florida to buy an auto insurance policy in. Miami Gardens ranks #2 costing $3,149 for the average insured, which is about $262 monthly.
|Rank||City||Premium Per Year|
|6||West Palm Beach||$2,679|
|20||Port St. Lucie||$1,916|
|Find Cheaper Rates Go|
Prices are approximated as zip code location can modify coverage prices substantially.
The make and model of vehicle requiring coverage is one of the biggest factors that determines the availability of cheaper car insurance in Miami Gardens. Vehicles with more horsepower, poor safety ratings, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models.
The next list features auto insurance prices for a handful of the most cost-effective vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$3,213|
|Hyundai Elantra SE Touring Station Wagon||$3,406|
|Honda Accord LX 4-Dr Sedan||$3,595|
|Ford Edge SEL 2WD||$3,643|
|Honda Odyssey EX||$3,651|
|Honda CR-V EX-L 4WD||$3,675|
|Toyota Tacoma Double Cab 4WD||$3,788|
|Ford Focus SES 4-Dr Sedan||$3,836|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$3,848|
|Toyota Corolla LE||$3,908|
|Chevrolet Impala LTZ||$3,917|
|Hyundai Sonata GLS 4-Dr Sedan||$3,981|
|Kia Optima LX||$3,986|
|Ford Explorer Eddie Bauer 2WD||$4,037|
|Honda Civic EX-L 4-Dr Sedan||$4,101|
|Get a Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific garaging location which can impact premiums significantly.
By looking at the data, you can assume that makes and models like the Ford Escape, Hyundai Elantra, Honda Accord, Ford Edge, and Honda Odyssey are most likely to be a few of the cheaper vehicles to insure for drivers in Miami Gardens.
Types of discounts on Miami Gardens car insurance rates
Insurers that provide coverage in Miami Gardens could also offer rate discounts that may potentially lower prices by as much as 35% if you can meet the requirements. The best car insurance companies and some of their more popular discounts are:
- State Farm may offer discounts for multiple autos, defensive driving training, anti-theft, driver's education, accident-free, and good student.
- American Family may have discounts that include Steer into Savings, multi-vehicle, TimeAway discount, defensive driver, early bird, accident-free, and air bags.
- AAA discounts include multi-policy, good student, education and occupation, pay-in-full, AAA membership discount, and multi-car.
- GEICO offers premium reductions for anti-theft, defensive driver, federal employee, membership and employees, good student, and military active duty.
- Mercury Insurance has discounts for anti-theft, annual mileage, good driver, low natural disaster claims, type of vehicle, location of vehicle, and age of vehicle.
- Farmers Insurance policyholders can earn discounts including business and professional, electronic funds transfer, distant student, mature driver, early shopping, bundle discounts, and multi-car.
- Progressive may include discounts for multi-vehicle, continuous coverage, online quote discount, homeowner, and multi-policy.
The chart below visualizes the comparison of insurance prices with and without discounts applied. The premium estimates are based on a male driver, no claims or violations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, anti-theft, safe-driver, accident-free, claim-free, and marriage discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance in Miami Gardens is 28% or $543.
How to find economical auto insurance in Miami Gardens
The list below shows some of the better penny-pinching ideas that can help Miami Gardens drivers quote cheap coverage.
- Choose a safer vehicle and pay lower rates
- Good credit can mean cheaper rates
- Multi-policy discounts save money
- Save money by insuring older vehicles for liability only
- Staying accident-free helps keep rates low
- Compare rates regularly to ensure the best deal
The last item on the list is very significant, as was emphasized in this article. Auto insurance prices can be modified anytime, so don't be tentative to buy a policy from a new company if a more affordable rate is found.
Loyalty to a specific company is fine, but it's not a good idea if your bullheadedness ends up costing you a small fortune. Take a few minutes and compare rates and find cheaper car insurance in Miami Gardens.