Updated May 20, 2026

Who is Jerry?

Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Cheap car insurance in Miami, FL

Miami drivers pay an average of $552 a month for full coverage and $184 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$64

Lowest state minimum quote Jerry has found in last 12 months

$191

Lowest full coverage quote Jerry has found in last 12 months

$193

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Miami sits at the center of what is consistently the most expensive car insurance market in the United States. Florida ranks among the top one or two states nationally for average full coverage premium according to the Insurance Information Institute, and Miami ranks among the most expensive Florida metropolitan areas by true cost of car insurance. 

There are many pressures pushing rates up here. First, Florida is one of only 12 no-fault states in the country and one of the few that requires personal injury protection coverage but does not require bodily injury liability. Roughly one in five drivers in Florida operate without insurance, a rate that ranks it among the highest in the country. Hurricane and severe storm exposure drives some of the highest comprehensive claim costs in any state. And until the 2023 tort reform law, Florida had a uniquely litigious insurance environment that further pushed premiums up.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Miami drivers starting as low as $191 per month for full coverage (Mercury) and $99 per month for state minimum (GEICO) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Miami drivers

Here are some recent quotes Jerry has pulled for drivers in Miami. These aren’t sample rates — they’re actual quotes pulled for Miami drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Miami?

Right now, Root is the cheapest average carrier for Miami drivers at around $88 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Miami’s car insurance carrier landscape has a few specific interplays that it can help to know and understand before you compare coverage:

• Florida’s deep non-standard market shapes the cheapest-by-clean-record results. While the cheapest option for Miami drivers with clean records is Embark General, that ranking can be counterintuitive. Florida has the third largest non-standard auto market in the country at roughly 12.5% of premiums per AM Best data, behind only California and Texas.

• Root and other carriers that offer telematics can win on state minimum for verified safe drivers. Root prices its policies primarily based on how you actually drive, measured through a smartphone-based test drive. Drivers who score well on braking, cornering, speed and time-of-day metrics can land at or near the bottom of Miami state minimum averages. Drivers who don’t score well usually do not get a competitive quote at all. This model isn’t right for everyone, but can mean real savings for safe drivers compared to traditional carriers.

• Florida’s 2023 tort reform is starting to put downward pressure on rates. Governor DeSantis signed House Bill 837 into law on March 24, 2023, replacing pure comparative negligence with a 51% bar rule. This shortened the negligence statute of limitations from four years to two and tightened medical damage rules. Major carriers including GEICO, Progressive and State Farm have since filed for rate decreases, meaning average rate increases across the state (and that re-shopping at renewal time can be even more valuable here).

• Hurricane exposure pushes comprehensive premiums up across every carrier. Carriers writing comprehensive coverage in Miami are thinking about big hurricane and severe-storm risks that rank among the highest of any U.S. metro.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

Cheapest carriers in Miami by average, state minimum coverage

Root is the cheapest car insurance company in Miami for state minimum coverage at an average of $88 per month. 

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Root	$88	$73
GEICO	$99	$64
Mercury	$115	$69
Embark General	$139	$101
Progressive	$147	$78

Root

Average monthly cost

$88

Cheapest quote we’ve found

$73

GEICO

Average monthly cost

$99

Cheapest quote we’ve found

$64

Mercury

Average monthly cost

$115

Cheapest quote we’ve found

$69

Embark General

Average monthly cost

$139

Cheapest quote we’ve found

$101

Progressive

Average monthly cost

$147

Cheapest quote we’ve found

$78

Last Updated June 2, 2026

Based on Jerry data from the past 12 months.

Cheapest carriers in Miami by average, full coverage

Embark General is the cheapest car insurance company in Miami for full coverage at an average of $308 per month. 

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Embark General	$308	$219
Mercury	$333	$191
Root	$373	$217
Gainsco	$390	$281
Progressive	$429	$211

Embark General

Average monthly cost

$308

Cheapest quote we’ve found

$219

Mercury

Average monthly cost

$333

Cheapest quote we’ve found

$191

Root

Average monthly cost

$373

Cheapest quote we’ve found

$217

Gainsco

Average monthly cost

$390

Cheapest quote we’ve found

$281

Progressive

Average monthly cost

$429

Cheapest quote we’ve found

$211

Last Updated June 2, 2026

Based on Jerry data from the past 12 months.

Key takeaway: Root is the cheapest option for most Miami drivers, but Embark General can be more competitive for drivers with less-than perfect records or who need an SR-22 filed. Jerry shows you multiple quotes at once so you can compare and save.

Compare 100+ insurers through Jerry in less than 5 minutes

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Why is car insurance expensive in Miami?

Drivers in Miami with clean records average $411/mo, which is above the FL state average ($267/mo) andabove the national average of $262/mo. Florida has consistently ranked among the top one or two most expensive states for car insurance for years, and Miami sits at the top of the most expensive Florida metros. These are the factors affecting rates most.

Miami car insurance rates by ZIP code

Rates vary a lot between ZIP codes in Miami. The cheapest versus most expensive ZIPs in Jerry’s Miami data are affected by differences in claim frequency, theft rates, traffic density and uninsured-driver concentration across the city. They show what most Miami residents would expect: south Miami-Dade and the wealthier coastal suburbs run cheaper, while central and northwest Miami ZIPs are more expensive.

Cheapest ZIP codes

The cheapest ZIPs in Jerry’s Miami data cluster in southern Miami-Dade and the wealthier coastal areas, led by Sunny Isles Beach, Westchester and western Kendall. Several of these reflect areas with higher credit and lower claim frequency, where carrier risk modeling produces more favorable rates.

Most expensive ZIP codes

The most expensive ZIPs in Jerry’s Miami data cluster in the central and northwest parts of the city, led by Allapattah, Little Havana and the Doral/FIU area. Higher claim frequency, theft pressure, traffic density, and a concentration of uninsured drivers combine to push prices higher in these areas.

Miami car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Miami data shows for each, and what it actually means for your quote.

By age

Younger drivers face the steepest rates in Miami, with 18 to 20 year olds paying 75% to 81% above the city average on full coverage and state minimum respectively. Jerry’s Miami data shows a rate cliff around 25, resulting in a $27/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $129/mo drop for full coverage. If you are in the 21 to 24 range and your premium feels harsh, know that a correction at 25 happens automatically with most carriers. Re-shopping the month you turn 25 is one of the best rate-lowering moves available.

Average cost of insurance in Miami by age group, state minimum

Average cost of insurance in Miami by age group, full coverage

By driving record

Having at-fault accidents adds 11% on average for Miami Jerry users — but that figure masks a compounding effect most drivers don’t know about.

On state minimum coverage, surcharges scale predictably: accidents and tickets push premiums up, and a DUI conviction adds 24% on average. On full coverage, the pattern looks stranger because having a single speeding ticket can appear cheaper than a clean record. This isn’t carriers rewarding tickets. Instead, it reflects the carrier mix that Jerry quotes for ticketed drivers, who often get matched with non-standard insurers that quote more competitively for these drivers. State minimum data, where the carrier mix is more stable, shows a cleaner pattern.

Florida carriers typically look back three years on tickets and at-fault accidents, with longer lookbacks for DUIs. If you’re past the three-year mark on an old incident, there’s a good chance you’re still paying surcharged rates on what’s now a clean record. Jerry monitors your policy and automatically reshops to let you know when a better rate becomes available, including when violations fall off your rating.

Average cost of state minimum coverage in Miami, by driving record

Average cost of full coverage in Miami, by driving record

By credit score

Credit score is one of the largest non-driving factors in Florida car insurance pricing. Florida is one of the many states that allows insurers to use a credit-based insurance score for both pricing and policy eligibility. The biggest differences typically show up at the Excellent and Poor ends of the spectrum, with drivers in the middle tiers often seeing more variable results depending on which carrier prices their profile.

Improving your credit score over time can seriously lower your Miami auto insurance rate, and at renewal you can ask your insurer to re-pull your credit if your score has improved since your last quote.

Average cost of state minimum coverage in Miami, by credit score

Average cost of full coverage in Miami, by credit score

How Jerry finds car insurance savings for Miami drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps Miami drivers find more affordable coverage by comparing 100+ insurers in just minutes. Here’s a look at real quotes Jerry customers in Miami found when they recently shopped around.

Recent quotes

Learn more: Best car insurance in Florida

Calculate your car insurance costs

If you’re looking to find the cheapest car insurance in Florida, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest rate

Drivers in Miami can often find real savings by comparing quotes from different insurers. Insurers price driver profiles differently and that’s why quotes vary for the same coverage. Here are some recent examples:

Recent customer quotes

Jerry Agent Tip 2: Stack discounts to cut your premium

Drivers in Miami can save by taking advantage of discounts for safe driving, bundling home and auto coverage or getting a quote early. These savings can add up quickly and make your policy more affordable without cutting back on coverage. 

The Jerry app automatically finds and applies the discounts you qualify for, so you don’t leave savings behind.

Jerry Agent Tip 3: Choose the right mix of cost and coverage

When you understand what each coverage level includes, it becomes easier to find protection that fits your life and your budget. Minimum coverage keeps premiums low and covers only what your state requires. Higher tiers offer added protections such as coverage for your own car and support with towing and rental costs after an accident. 

Here are four coverage tiers offered by Jerry so you can find the best fit for your needs and budget.

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Get personalized car insurance rates now.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Florida car insurance minimums: What’s required in Miami

Florida is unusual among U.S. states in requiring personal injury protection but not bodily injury liability. Here are the minimum requirements in Florida:

• $10,000 in personal injury protection (PIP) coverage.

• $10,000 in property damage liability coverage.

Florida does not require bodily injury liability coverage as a state minimum, which is unusual among U.S. states. Drivers with prior DUIs, certain serious traffic violations or those required to file an SR-22 do face additional liability requirements. Driving without the mandatory PIP and property damage liability coverage in Florida can result in license suspension, vehicle registration suspension and fines.

Florida’s mandatory minimums are well below the average serious-crash cost. The average economic cost of a disabling injury from a motor vehicle crash is $167,000, according to the National Safety Council, more than 16 times Florida’s mandatory PIP and PDL limits. Most Miami drivers benefit from carrying bodily injury liability and uninsured motorist coverage on top of the state minimums. Jerry can help you find affordable car insurance starting at just $271/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes