Driving in Miami means dealing with crowded roads, fast-paced traffic, and sudden weather changes like heavy rain or flooding. The city’s mix of tourists and local drivers adds to the unpredictability. The right car insurance policy helps protect your finances if your car is damaged on Miami roads.
The area’s dense population and weather can mean drivers there pay higher premiums than in less populous parts of the state, so it’s wise to comparison shop for a good rate. We’ve gathered data from Jerry customers in Miami to show you what pricing you can expect depending on factors like your age, location within the city, coverage needs and driving history.
Cheapest minimum coverage insurance in Miami
Florida has lower minimum car insurance coverage requirements than many other states. Drivers in Florida must have the following coverages:
- $10,000 in personal injury protection (PIP) coverage.
- $10,000 in property damage liability coverage.
Here are some of the cheapest quotes that drivers in Miami received for the minimum coverage via Jerry.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
|
ZIP Code
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|---|
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
|
Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $24 | $282 | 50 | 09/04/25 | 33129 | ||
| $25 | $305 | 37 | 10/05/25 | 33193 | ||
| $25 | $305 | 34 | 11/02/25 | 33175 | ||
| $25 | $305 | 23 | 08/20/25 | 33186 | ||
| $25 | $305 | 20 | 10/29/25 | 33165 | ||
| $25 | $305 | 27 | 07/29/25 | 33174 | ||
| $25 | $305 | 39 | 07/09/25 | 33175 | ||
| $25 | $305 | 25 | 08/03/25 | 33165 | ||
| $25 | $305 | 29 | 08/19/25 | 33186 | ||
| $25 | $305 | 21 | 08/13/25 | 33175 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Miami
Florida gets hurricanes and tropical storms that bring flooding, winds and coastal water surges. The state’s minimum required insurance likely won’t protect your finances if your car is damaged by severe weather, but full coverage, which combines collision and comprehensive insurances, can. This type of coverage includes damage to your vehicle after an accident that you cause, as well as animal collisions and theft.
Here are the cheapest quotes for drivers in Miami who chose full coverage, based on Jerry’s quote data.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $69 | $822 | 28 | 10/13/25 | 33132 | ||
| $72 | $861 | 46 | 10/09/25 | 33131 | ||
| $72 | $866 | 55 | 09/24/25 | 33179 | ||
| $80 | $960 | 51 | 08/15/25 | 33161 | ||
| $80 | $962 | 62 | 09/30/25 | 33133 | ||
| $85 | $1,020 | 37 | 08/11/25 | 33193 | ||
| $87 | $1,040 | 62 | 10/01/25 | 33133 | ||
| $88 | $1,052 | 81 | 09/25/25 | 33138 | ||
| $91 | $1,096 | 44 | 09/19/25 | 33185 | ||
| $93 | $1,114 | 54 | 10/27/25 | 33137 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Miami (18-29 years old)
Young drivers are often quoted higher rates than older drivers because insurers view their limited experience on the road as a risk. Here are the cheapest quotes young Miami drivers have received via Jerry.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
|
Date of Quote
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City, State
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ZIP Code
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|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $25 | $305 | 23 | No | 08/20/25 | 33186 | ||
| $25 | $305 | 27 | No | 07/29/25 | 33174 | ||
| $25 | $305 | 29 | No | 08/19/25 | 33186 | ||
| $25 | $305 | 21 | No | 08/13/25 | 33175 | ||
| $25 | $305 | 20 | No | 10/29/25 | 33165 | ||
| $85 | $1,020 | 37 | 08/11/25 | 33193 | |||
| $87 | $1,040 | 62 | 10/01/25 | 33133 | |||
| $88 | $1,052 | 81 | 09/25/25 | 33138 | |||
| $91 | $1,096 | 44 | 09/19/25 | 33185 | |||
| $93 | $1,114 | 54 | 10/27/25 | 33137 |
Cheapest car insurance for mature drivers in Miami (30-54 years old)
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
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Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $268 | 37 | No | 06/15/25 | 33176 | ||
| $24 | $282 | 50 | No | 09/04/25 | 33129 | ||
| $25 | $300 | 36 | No | 06/14/25 | 33178 | ||
| $25 | $305 | 34 | No | 11/02/25 | 33175 | ||
| $25 | $305 | 39 | No | 07/09/25 | 33175 | ||
| $85 | $1,020 | 37 | 08/11/25 | 33193 | |||
| $87 | $1,040 | 62 | 10/01/25 | 33133 | |||
| $88 | $1,052 | 81 | 09/25/25 | 33138 | |||
| $91 | $1,096 | 44 | 09/19/25 | 33185 | |||
| $93 | $1,114 | 54 | 10/27/25 | 33137 |
Cheapest car insurance for older drivers (55+ years old)
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $25 | $304 | 60 | No | 09/12/25 | 33131 | ||
| $26 | $313 | 76 | No | 08/14/25 | 33169 | ||
| $27 | $324 | 60 | No | 09/03/25 | 33133 | ||
| $28 | $335 | 66 | No | 09/21/25 | 33175 | ||
| $28 | $336 | 60 | No | 10/24/25 | 33176 | ||
| $85 | $1,020 | 37 | 08/11/25 | 33193 | |||
| $87 | $1,040 | 62 | 10/01/25 | 33133 | |||
| $88 | $1,052 | 81 | 09/25/25 | 33138 | |||
| $91 | $1,096 | 44 | 09/19/25 | 33185 | |||
| $93 | $1,114 | 54 | 10/27/25 | 33137 |
Cheapest car insurance for drivers with clean records in Miami
A clean record can be a major help when you're shopping for a low car insurance rate. These are some of the cheapest rates that Miami drivers with clean records were quoted via Jerry.
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Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $268 | 37 | 06/15/25 | No | 33176 | ||
| $24 | $282 | 50 | 09/04/25 | No | 33129 | ||
| $25 | $300 | 36 | 06/14/25 | No | 33178 | ||
| $25 | $304 | 60 | 09/12/25 | No | 33131 | ||
| $25 | $305 | 37 | 10/05/25 | No | 33193 | ||
| $25 | $305 | 27 | 07/29/25 | No | 33174 | ||
| $25 | $305 | 34 | 11/02/25 | No | 33175 | ||
| $25 | $305 | 29 | 08/19/25 | No | 33186 | ||
| $25 | $305 | 21 | 08/13/25 | No | 33175 | ||
| $25 | $305 | 39 | 07/09/25 | No | 33175 |
Cheapest car insurance for drivers with low credit scores in Miami
Drivers with low credit scores often pay higher car insurance premiums than those with high scores, which means you may have to do extra comparison shopping to find a good rate. Here are the cheapest quotes that insurers provided via Jerry to Miami drivers with credit scores below 550.
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Credit Score
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Date of Policy
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City, State
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ZIP Code
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|---|
|
Credit Score
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Avg Monthly Quote
|
Avg Annual Quote
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Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $78 | $936 | 51 | 11/04/25 | 33136 | ||
| <550 | $85 | $1,018 | 27 | 08/01/25 | 33178 | ||
| <550 | $97 | $1,162 | 58 | 08/05/25 | 33182 | ||
| <550 | $121 | $1,452 | 28 | 06/14/25 | 33175 | ||
| <550 | $129 | $1,542 | 23 | 11/15/24 | 33132 | ||
| $25 | $305 | 27 | 33174 | ||||
| $25 | $305 | 34 | 33175 | ||||
| $25 | $305 | 29 | 33186 | ||||
| $25 | $305 | 21 | 33175 | ||||
| $25 | $305 | 39 | 33175 |
Cheapest car insurance for drivers with at-fault accidents in Miami
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At-fault Accident on Record
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
|
Date of Policy
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City, State
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ZIP Code
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|---|
|
At-fault Accident on Record
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
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City, State
|
ZIP Code
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|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $54 | $650 | 46 | Yes | 10/31/25 | 33131 | ||
| At Fault With No Injury | $82 | $986 | 33 | No | 08/18/25 | 33134 | ||
| At Fault With No Injury | $94 | $1,124 | 32 | No | 01/23/25 | 33179 | ||
| At Fault With No Injury | $97 | $1,158 | 27 | No | 07/21/25 | 33157 | ||
| At Fault With No Injury | $100 | $1,204 | 42 | No | 08/19/25 | 33169 | ||
| $25 | $305 | 27 | No | 33174 | ||||
| $25 | $305 | 34 | No | 33175 | ||||
| $25 | $305 | 29 | No | 33186 | ||||
| $25 | $305 | 21 | No | 33175 | ||||
| $25 | $305 | 39 | No | 33175 |
Cheapest car insurance for drivers with speeding tickets in Miami
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Violation Summary
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Violation Summary
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Avg Monthly Quote
|
Avg Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|---|---|---|---|---|---|---|
| Speeding under 15 | $61 | $734 | 25 | 10/17/25 | 33130 | ||
| Speeding under 15 | $61 | $734 | 25 | 10/19/25 | 33130 | ||
| Speeding under 15 | $79 | $942 | 37 | 07/31/25 | 33177 | ||
| Speeding over 15 | $83 | $1,001 | 45 | 06/28/25 | 33136 | ||
| Speeding under 15 | $90 | $1,082 | 48 | 10/14/25 | 33176 | ||
| $25 | $305 | 27 | 07/29/25 | 33174 | |||
| $25 | $305 | 34 | 11/02/25 | 33175 | |||
| $25 | $305 | 29 | 08/19/25 | 33186 | |||
| $25 | $305 | 21 | 08/13/25 | 33175 | |||
| $25 | $305 | 39 | 07/09/25 | 33175 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
