Cheapest Car Insurance Quotes in Key Biscayne

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Key Biscayne Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Key Biscayne

The car insurance rate in Key Biscayne is $2081 for a six-month policy, which is $480 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1329, making it a popular choice for budget-conscious drivers. Rates in Key Biscayne can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Key Biscayne

$2081

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Key Biscayne

1st place: Travelers

At $1329 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1413 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1645 for six months, making it the third cheapest auto insurance company in Key Biscayne.

Key Biscayne Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Key Biscayne, FL is Travelers, offering policies at just $1329 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1413.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1243 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Key Biscayne drivers find the best deals.

Cheap Car Insurance Companies in Key Biscayne, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1329	$224
State Farm	$1413	$238
Nationwide	$1645	$277
United Automobile Ins Group	$1776	$296
Progressive	$1854	$312
UAIC	$1854	$309
MetLife	$1954	$333
Farmers	$3104	$517
Mercury	$3351	$569
Allstate	$3375	$568
Metropolitan Group	$1243	$207

Key Takeaways

Way's key takeaways about car insurance in Key Biscayne

The auto insurance costs in Key Biscayne fall around $1329 for six months.
The cheapest auto insurance company in Key Biscayne is Patrons Insurance.
Teen drivers pay the highest rate in Key Biscayne at $1795 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Key Biscayne

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Key Biscayne are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Key Biscayne. Their Average 6 Month Premium is $163. Metropolitan Group is the most expensive at $494 for the same period.

Cheapest Liability Coverage in Key Biscayne, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$163	$27
Travelers	$494	$83
State Farm	$525	$88
Mercury	$556	$94
Nationwide	$618	$105
Farmers	$857	$143
AIG	$872	$148
Progressive	$911	$153
United Automobile Ins Group	$935	$159
UAIC	$1011	$169
Allstate	$1166	$196
Metropolitan Group	$494	$82

Cheapest Full Coverage Car Insurance in Key Biscayne

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Key Biscayne is Travelers at $224 per month and $1329 for six months.

Cheapest Full Coverage Car Insurance Quotes in Key Biscayne, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1329	$224
State Farm	$1413	$238
Nationwide	$1645	$277
United Automobile Ins Group	$1776	$296
Progressive	$1854	$312
UAIC	$1854	$309
MetLife	$1954	$333
Farmers	$3104	$517
Mercury	$3351	$569
Allstate	$3375	$568
Metropolitan Group	$1243	$207

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Average Car Insurance in Key Biscayne by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Key Biscayne, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Key Biscayne, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Key Biscayne's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Key Biscayne

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1686
40s	Travelers	$1273
50s	Travelers	$1187
60s	Travelers	$1170

Cheapest Car Insurance Rates for Teen Drivers in Key Biscayne,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Key Biscayne at $117 per month. At $10556 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$703	$117
AIG	$950	$161
Travelers	$2154	$363
State Farm	$2834	$477
UAIC	$4216	$703
United Automobile Ins Group	$4378	$745
Allstate	$6640	$1118
Mercury	$8232	$1386
Progressive	$8796	$1481
Farmers	$10556	$1795

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Key Biscayne.

As young drivers face the highest rates in Key Biscayne, Travelers offers the cheapest auto insurance rates at $1686 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Key Biscayne, Nationwide is the cheapest car insurance provider. At $841 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Key Biscayne is Allstate, offering rates of around $6750 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$841	$143
Mercury	$919	$153
Direct General Insurance	$958	$163
Travelers	$1823	$307
UAIC	$1854	$315
Progressive	$3583	$597
Farmers	$4294	$731
State Farm	$6432	$1073
Allstate	$6750	$1148

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Key Biscayne.

Car Insurance Rates with An Accident in Key Biscayne

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Key Biscayne, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Key Biscayne

The cheapest car insurance companies after an at-fault accident in Key Biscayne include Nationwide and AIG, offering $888 and $1135, respectively. National General is an expensive provider with an average six-month premium of $1374.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$888	$148
AIG	$1135	$192
Travelers	$1282	$216
State Farm	$1321	$222
United Automobile Ins Group	$2309	$385
Mercury	$2386	$402
UAIC	$2417	$403
Progressive	$3166	$533
Farmers	$4332	$722
Allstate	$5860	$987
National General	$1374	$234

Key Biscayne Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Key Biscayne FL. For example, the car insurance in Key Biscayne after a DUI increases to $1220 for a six month policy. While the rate increases by $371 for a six-month policy in the case of a speeding ticket.

Key Biscayne auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2371	$395
One Med/PIP claim	$2371	$403
Not-at-fault accident	$2564	$428
Two Med/PIP claims	$2634	$447
One comp claim	$2672	$446
Child safety restraint	$2679	$455
Failure to wear a seat belt	$2679	$447
Driving without lights	$2687	$456
Failure to show documents	$2687	$449
Speeding 6 - 10 MPH over limit	$2742	$467
Improper passing	$2750	$458
Passing school bus	$2750	$468
Wrong way/wrong lane	$2750	$458
Failure to stop at a red light	$2757	$469
Failure to yield	$2757	$459
Illegal turn	$2757	$469
Cell phone violation	$2765	$460
Driving with expired registration	$2765	$471
Following too closely	$2765	$460
Texting while driving	$2772	$472
Two comp claims	$2834	$472
Driving too slowly	$2850	$485
Speeding in school zone	$2850	$475
Speeding 11 - 15 MPH over limit	$2857	$486
In 65 MPH zone	$2958	$493
Speeding 16 - 20 MPH over limit	$2958	$503
Speeding 21 - 25 MPH over limit	$2973	$495
Open container	$3004	$511
Operating a vehicle without permission	$3004	$501
At-fault accident - less than $1000	$3259	$554
At-fault accident - $1000-$2000	$3312	$553
At-fault accident - greater than $2000	$3312	$563
Racing	$3583	$597
DUI	$3591	$611
Refusal to submit to a chemical test	$3591	$598
Driving with a suspended license	$3653	$621
Reckless driving	$3730	$621
Leaving scene of an accident/hit and run	$3769	$641

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Key Biscayne after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Key Biscayne.

The cheapest car insurance premiums in Key Biscayne are offered by AIG at $835 for a six-month policy. However, it can be as expensive as $1035 with companies like National General.

Key Biscayne car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$835	$139
Travelers	$1329	$224
State Farm	$1613	$272
Progressive	$1629	$274
Allstate	$2965	$499
UAIC	$3267	$555
Farmers	$3530	$588
National General	$1035	$173

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Key Biscayne are offered by Nationwide at $725. However, it can be as expensive as $3769 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Key Biscayne after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$725	$124
State Farm	$935	$157
Travelers	$1119	$189
UAIC	$1854	$309
Allstate	$2124	$358
Progressive	$3065	$511
Farmers	$3769	$641

Car Insurance Price Trends in Key Biscayne, Florida

Car insurance rates in Key Biscayne have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Key Biscayne remained steady at $359 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Key Biscayne remained steady at $109 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Key Biscayne?

The car insurance in Key Biscayne is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Key Biscayne?

The cheapest car insurance in Key Biscayne is $224 per month for full coverage.

How much is car insurance in Key Biscayne for teenagers?

Car insurance for teenagers costs $703 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Key Biscayne?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $350 per month to insure your car in Key Biscayne.

Is car insurance expensive in Key Biscayne?

Car insurance can be expensive in Key Biscayne if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Key Biscayne can be affordable.

Cheapest Car Insurance Quotes in Key Biscayne

Why you can trust Way?

How Much Is Car Insurance in Key Biscayne

Avg. Car Insurance in Key Biscayne

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Key Biscayne

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Key Biscayne Car Insurance Rates by Company

Cheap Car Insurance Companies in Key Biscayne, FL

Way's key takeaways about car insurance in Key Biscayne

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Key Biscayne

Cheapest Liability Coverage in Key Biscayne, FL

Cheapest Full Coverage Car Insurance in Key Biscayne

Cheapest Full Coverage Car Insurance Quotes in Key Biscayne, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Key Biscayne by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Key Biscayne, FL increasing?

Car Insurance Premiums by Age in Key Biscayne

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Key Biscayne,FL

If you are in your twenties Travelers is the best choice for car insurance in Key Biscayne.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Key Biscayne

Cheapest Car Insurance Companies after an At-Fault Accident in Key Biscayne

Key Biscayne Car Insurance Rates by Violation

Key Biscayne auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Key Biscayne after a DUI

Key Biscayne car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Key Biscayne after Speeding ticket

Car Insurance Price Trends in Key Biscayne, Florida

Average Car Insurance Cost in Key Biscayne by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Key Biscayne, FL

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