Cheapest Car Insurance Quotes in Miami Gardens

Finding the cheapest car insurance quotes in Miami Gardens shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Miami Gardens Car Insurance

^$ 86

/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 Miami Gardens

The car insurance rate in Miami Gardens is $2340 for a six-month policy, which is $715 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1394, making it a popular choice for budget-conscious drivers. Rates in Miami Gardens 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 Miami Gardens

$2340

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Miami Gardens

1st place: Travelers

At $1394 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 $1557 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1702 for six months, making it the third cheapest auto insurance company in Miami Gardens.

Miami Gardens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Miami Gardens, FL is Travelers, offering policies at just $1394 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1557.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3439 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Miami Gardens drivers find the best deals.

Cheap Car Insurance Companies in Miami Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1394	$235
State Farm	$1557	$262
Nationwide	$1702	$287
Progressive	$1804	$304
United Automobile Ins Group	$1967	$328
UAIC	$2156	$367
Allstate	$3515	$586
Mercury	$3712	$631
MetLife	$2164	$369
Farmers	$3439	$573

Key Takeaways

Way's key takeaways about car insurance in Miami Gardens

The auto insurance costs in Miami Gardens fall around $1394 for six months.
The cheapest auto insurance company in Miami Gardens is Travelers.
Teen drivers pay the highest rate in Miami Gardens at $1989 per month.

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

Cheapest Minimum Liability Car Insurance in Miami Gardens

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 Miami Gardens are given below.

Travelers provides the cheapest minimum car insurance coverage in Miami Gardens. Their Average 6 Month Premium is $513. Farmers is the most expensive at $949 for the same period.

Cheapest Liability Coverage in Miami Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$513	$86
State Farm	$556	$94
Mercury	$616	$104
Nationwide	$684	$117
MetLife	$719	$120
AIG	$804	$137
Progressive	$1009	$170
United Automobile Ins Group	$1035	$176
UAIC	$1120	$187
Allstate	$1283	$216
Patrons Insurance	$180	$30
Farmers	$949	$158

Cheapest Full Coverage Car Insurance in Miami Gardens

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 Miami Gardens is Travelers at $235 per month and $1394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Miami Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1394	$235
State Farm	$1557	$262
Nationwide	$1702	$287
Progressive	$1804	$304
United Automobile Ins Group	$1967	$328
UAIC	$2156	$367
Allstate	$3515	$586
Mercury	$3712	$631
MetLife	$2164	$369
Farmers	$3439	$573

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Average Car Insurance in Miami Gardens 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 Miami Gardens, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Miami Gardens, 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, Miami Gardens's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Miami Gardens

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

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Cheapest Car Insurance Rates for Teen Drivers in Miami Gardens,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Miami Gardens at $130 per month. At $11693 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$779	$130
AIG	$1053	$179
Travelers	$2292	$386
State Farm	$2755	$464
UAIC	$3669	$618
United Automobile Ins Group	$4850	$825
Allstate	$5988	$1008
Progressive	$7707	$1297
Mercury	$9118	$1535
Farmers	$11693	$1989

Teen Car Insurance Rates in FL by Age

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 Miami Gardens, Nationwide is the cheapest car insurance provider. At $932 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 Miami Gardens is Farmers, offering rates of around $4756 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$932	$158
Mercury	$1018	$170
Direct General Insurance	$1061	$180
UAIC	$2062	$344
Travelers	$2258	$380
Progressive	$3969	$661
Allstate	$6962	$1184
State Farm	$7125	$1188
Farmers	$4756	$809

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Car Insurance Rates with An Accident in Miami Gardens

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 Miami Gardens, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Miami Gardens

The cheapest car insurance companies after an at-fault accident in Miami Gardens include Nationwide and AIG, offering $984 and $1257, respectively. Farmers is an expensive provider with an average six-month premium of $4798.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$984	$164
AIG	$1257	$213
State Farm	$1463	$246
Travelers	$1489	$251
United Automobile Ins Group	$2557	$426
Mercury	$2642	$445
UAIC	$2677	$446
Progressive	$3506	$590
Allstate	$6244	$1051
Farmers	$4798	$799

Miami Gardens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Miami Gardens FL. For example, the car insurance in Miami Gardens after a DUI increases to $1350 for a six month policy. While the rate increases by $410 for a six-month policy in the case of a speeding ticket.

Miami Gardens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2627	$438
One Med/PIP claim	$2627	$446
Not-at-fault accident	$2840	$474
Two Med/PIP claims	$2917	$495
One comp claim	$2959	$494
Child safety restraint	$2968	$504
Failure to wear a seat belt	$2968	$495
Driving without lights	$2976	$505
Failure to show documents	$2976	$497
Speeding 6 - 10 MPH over limit	$3037	$517
Improper passing	$3046	$507
Passing school bus	$3046	$518
Wrong way/wrong lane	$3046	$507
Failure to stop at a red light	$3054	$520
Failure to yield	$3054	$508
Illegal turn	$3054	$520
Cell phone violation	$3063	$510
Driving with expired registration	$3063	$521
Following too closely	$3063	$510
Texting while driving	$3070	$523
Two comp claims	$3139	$523
Driving too slowly	$3156	$537
Speeding in school zone	$3156	$526
Speeding 11 - 15 MPH over limit	$3165	$539
In 65 MPH zone	$3276	$546
Speeding 16 - 20 MPH over limit	$3276	$557
Speeding 21 - 25 MPH over limit	$3293	$549
Open container	$3328	$566
Operating a vehicle without permission	$3328	$554
At-fault accident - less than $1000	$3610	$613
At-fault accident - $1000-$2000	$3669	$612
At-fault accident - greater than $2000	$3669	$624
Racing	$3969	$661
DUI	$3977	$677
Refusal to submit to a chemical test	$3977	$662
Driving with a suspended license	$4046	$688
Reckless driving	$4131	$688
Leaving scene of an accident/hit and run	$4175	$710

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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 Miami Gardens 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 Miami Gardens.

The cheapest car insurance premiums in Miami Gardens are offered by AIG at $924 for a six-month policy. However, it can be as expensive as $3910 with companies like Farmers.

Miami Gardens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$924	$157
Travelers	$1513	$255
Progressive	$1737	$292
State Farm	$2087	$351
Allstate	$2822	$475
UAIC	$3627	$605
Farmers	$3910	$651

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 Miami Gardens are offered by Nationwide at $804. However, it can be as expensive as $4175 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Miami Gardens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$804	$134
State Farm	$1018	$171
Travelers	$1155	$194
Allstate	$3028	$510
UAIC	$3311	$552
Progressive	$4055	$690
Farmers	$4175	$710

Car Insurance Price Trends in Miami Gardens, Florida

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

The average cost of full coverage in the Miami Gardens dipped by $369 in January compared to $397 of December. In other words, there has been an decrease by $28 when you compare January and December.

The average cost of liability insurance in the Miami Gardens dipped to $120 in January, compared to $121 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Miami Gardens?

The car insurance in Miami Gardens is $86 per month, which is lower than the national average.

What is the cheapest car insurance in Miami Gardens?

The cheapest car insurance in Miami Gardens is $235 per month for full coverage.

How much is car insurance in Miami Gardens for teenagers?

Car insurance for teenagers costs $779 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 Miami Gardens?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $393 per month to insure your car in Miami Gardens.

Is car insurance expensive in Miami Gardens?

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

Cheapest Car Insurance Quotes in Miami Gardens

Why you can trust Way?

How Much Is Car Insurance in Miami Gardens

Avg. Car Insurance in Miami Gardens

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Miami Gardens

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Miami Gardens Car Insurance Rates by Company

Cheap Car Insurance Companies in Miami Gardens, FL

Way's key takeaways about car insurance in Miami Gardens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Miami Gardens

Cheapest Liability Coverage in Miami Gardens, FL

Cheapest Full Coverage Car Insurance in Miami Gardens

Cheapest Full Coverage Car Insurance Quotes in Miami Gardens, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Miami Gardens by Rating Factor

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

Car Insurance Premiums by Age in Miami Gardens

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Miami Gardens,FL

If you are in your twenties N/A is the best choice for car insurance in Miami Gardens.

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 Miami Gardens

Cheapest Car Insurance Companies after an At-Fault Accident in Miami Gardens

Miami Gardens Car Insurance Rates by Violation

Miami Gardens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Miami Gardens after a DUI

Miami Gardens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Miami Gardens after Speeding ticket

Car Insurance Price Trends in Miami Gardens, Florida

Average Car Insurance Cost in Miami Gardens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Miami Gardens, FL

Car Insurance Rates by State in the USA (2025 Update)

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