Cheapest Car Insurance in Miami

Written by Xuyun Zeng and 2 others
Updated Jul 29, 2025
Insurance price card

Cheapest Car Insurance in Miami

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$36 $432 Geico 49 July 14, 2025 Miami, FL 33175
$36 $436 Geico 34 July 28, 2025 Miami, FL 33131
$38 $456 Geico 39 March 18, 2025 Miami, FL 33129
$43 $510 Geico 41 March 12, 2025 Miami, FL 33131
$50 $598 Geico 30 March 17, 2025 Miami, FL 33146
$50 $602 Geico 55 February 6, 2025 Miami, FL 33179
$52 $620 Geico 34 July 19, 2025 Miami, FL 33167
$55 $662 The General 53 June 26, 2025 Miami, FL 33189
$55 $662 The General 53 July 6, 2025 Miami, FL 33189
$59 $712 The General 39 June 27, 2025 Miami, FL 33170
Last Updated Jul 30, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

SIMPLIFY YOUR CAR INSURANCE IN MINUTES WITH JERRY

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$100 $1,199 Geico 40 February 7, 2025 Miami, FL 33143
$101 $1,209 Progressive 43 June 24, 2025 Miami, FL 33185
$102 $1,221 Progressive 37 June 15, 2025 Miami, FL 33176
$102 $1,225 Progressive 44 June 23, 2025 Miami, FL 33131
$104 $1,250 Progressive 41 June 19, 2025 Miami, FL 33132
$106 $1,269 Progressive 38 June 14, 2025 Miami, FL 33178
$109 $1,304 The General 57 June 8, 2025 Miami, FL 33170
$110 $1,322 Embark General 45 June 25, 2025 Miami, FL 33177
$110 $1,324 Embark General 41 June 19, 2025 Miami, FL 33126
$111 $1,328 Geico 30 March 4, 2025 Miami, FL 33137
Last Updated Jul 30, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$32 $386 Progressive 26 No June 18, 2025 Miami, FL 33129
$33 $400 Progressive 26 No May 21, 2025 Miami, FL 33129
$42 $499 Progressive 26 No June 27, 2025 Miami, FL 33132
$42 $508 Geico 26 No May 21, 2025 Miami, FL 33129
$43 $510 Geico 27 No July 6, 2025 Miami, FL 33129
Last Updated Jul 30, 2025

Cheapest car insurance for mature drivers in Miami (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$22 $268 Progressive 37 No June 15, 2025 Miami, FL 33176
$25 $300 Progressive 38 No June 14, 2025 Miami, FL 33178
$27 $320 Progressive 38 No June 15, 2025 Miami, FL 33138
$28 $330 Progressive 32 No June 10, 2025 Miami, FL 33131
$28 $332 Progressive 43 No June 24, 2025 Miami, FL 33156
Last Updated Jul 30, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$33 $400 Geico 67 No May 29, 2025 Miami, FL 33181
$35 $418 Progressive 67 No March 16, 2025 Miami, FL 33181
$39 $468 Progressive 67 No May 29, 2025 Miami, FL 33181
$45 $536 Geico 72 No July 9, 2025 Miami, FL 33167
$45 $542 Progressive 80 No February 2, 2025 Miami, FL 33180
Last Updated Jul 30, 2025

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$22 $268 Progressive 37 June 15, 2025 No Miami, FL 33176
$25 $300 Progressive 38 June 14, 2025 No Miami, FL 33178
$27 $320 Progressive 38 June 15, 2025 No Miami, FL 33138
$28 $330 Progressive 32 June 10, 2025 No Miami, FL 33131
$28 $332 Progressive 43 June 24, 2025 No Miami, FL 33156
$28 $338 Progressive 54 March 7, 2025 No Miami, FL 33130
$29 $352 Progressive 32 July 2, 2025 No Miami, FL 33178
$30 $354 Progressive 44 June 16, 2025 No Miami, FL 33176
$30 $354 Progressive 41 June 19, 2025 No Miami, FL 33132
$30 $364 Progressive 37 June 14, 2025 No Miami, FL 33131
Last Updated Jul 30, 2025

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.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $116 $1,391 The General 56 December 5, 2024 Miami, FL 33170
<550 $116 $1,396 Infinity 30 June 22, 2025 Miami, FL 33175
<550 $119 $1,428 Progressive 24 October 14, 2024 Miami, FL 33132
<550 $119 $1,430 Embark General 58 January 19, 2024 Miami, FL 33125
<550 $129 $1,542 Progressive 24 November 15, 2024 Miami, FL 33132
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Miami

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $72 $866 National General 34 No October 15, 2024 Miami, FL 33138
At Fault With No Injury $76 $914 Progressive 38 No July 1, 2025 Miami, FL 33129
At Fault With No Injury $82 $980 Progressive 55 No August 1, 2024 Miami, FL 33136
At Fault With No Injury $83 $998 ROOT 33 No July 3, 2025 Miami, FL 33134
At Fault With No Injury $90 $1,084 Embark General 29 No January 14, 2024 Miami, FL 33125
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with speeding tickets in Miami

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $83 $998 ROOT 33 July 3, 2025 Miami, FL 33134
Speeding over 15 $99 $1,184 Progressive 33 November 4, 2024 Miami, FL 33138
Speeding over 15 $105 $1,260 Progressive 34 July 27, 2025 Miami, FL 33135
Speeding under 15 $120 $1,436 Embark General 27 May 16, 2025 Miami, FL 33130
Speeding under 15 $136 $1,630 The General 55 May 13, 2025 Miami, FL 33126
Last Updated Jul 29, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Kevin Berry

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.