Cheapest Car Insurance Quotes in Miami Gardens

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. 

Patrons Insurance provides the cheapest minimum car insurance coverage in Miami Gardens. Their Average 6 Month Premium is $180. Metropolitan Group is the most expensive at $547 for the same period. 

Cheapest Liability Coverage in Miami Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$180	$30
Travelers	$547	$92
State Farm	$582	$98
Mercury	$616	$104
Nationwide	$684	$117
Farmers	$949	$158
AIG	$966	$164
Progressive	$1009	$170
United Automobile Ins Group	$1035	$176
UAIC	$1120	$187
Allstate	$1292	$217
Metropolitan Group	$547	$91

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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 $248 per month and $1472 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Miami Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1472	$248
State Farm	$1565	$264
Nationwide	$1822	$307
United Automobile Ins Group	$1967	$328
Progressive	$2053	$346
UAIC	$2053	$343
MetLife	$2164	$369
Farmers	$3439	$573
Mercury	$3712	$631
Allstate	$3738	$629
Metropolitan Group	$1377	$229

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1868
40s	Travelers	$1410
50s	Travelers	$1315
60s	Travelers	$1296

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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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