Cheapest Car Insurance Quotes in Miami Lakes

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Miami Lakes Car Insurance

^$ 84

/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 Lakes

The car insurance rate in Miami Lakes is $2275 for a six-month policy, which is $650 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1355, making it a popular choice for budget-conscious drivers. Rates in Miami Lakes 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 Lakes

$2275

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Miami Lakes

1st place: Travelers

At $1355 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 $1513 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1655 for six months, making it the third cheapest auto insurance company in Miami Lakes.

Miami Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Miami Lakes, FL is Travelers, offering policies at just $1355 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1513.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3343 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Miami Lakes drivers find the best deals.

Cheap Car Insurance Companies in Miami Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1355	$228
State Farm	$1513	$255
Nationwide	$1655	$279
Progressive	$1754	$295
United Automobile Ins Group	$1912	$319
UAIC	$2096	$357
Allstate	$3417	$570
Mercury	$3609	$613
MetLife	$2104	$358
Farmers	$3343	$557

Key Takeaways

Way's key takeaways about car insurance in Miami Lakes

The auto insurance costs in Miami Lakes fall around $1355 for six months.
The cheapest auto insurance company in Miami Lakes is Travelers.
Teen drivers pay the highest rate in Miami Lakes at $1933 per month.

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Cheapest Minimum Liability Car Insurance in Miami Lakes

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 Lakes are given below.

Travelers provides the cheapest minimum car insurance coverage in Miami Lakes. Their Average 6 Month Premium is $498. Farmers is the most expensive at $923 for the same period.

Cheapest Liability Coverage in Miami Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$498	$84
State Farm	$540	$91
Mercury	$599	$101
Nationwide	$665	$113
MetLife	$699	$116
AIG	$781	$133
Progressive	$981	$165
United Automobile Ins Group	$1007	$171
UAIC	$1089	$182
Allstate	$1247	$210
Patrons Insurance	$175	$29
Farmers	$923	$154

Cheapest Full Coverage Car Insurance in Miami Lakes

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 Lakes is Travelers at $228 per month and $1355 for six months.

Cheapest Full Coverage Car Insurance Quotes in Miami Lakes, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1355	$228
State Farm	$1513	$255
Nationwide	$1655	$279
Progressive	$1754	$295
United Automobile Ins Group	$1912	$319
UAIC	$2096	$357
Allstate	$3417	$570
Mercury	$3609	$613
MetLife	$2104	$358
Farmers	$3343	$557

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Average Car Insurance in Miami Lakes 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 Lakes, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Miami Lakes, 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 Lakes'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 Lakes

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 Lakes,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Miami Lakes at $126 per month. At $11368 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$757	$126
AIG	$1023	$174
Travelers	$2229	$375
State Farm	$2678	$451
UAIC	$3567	$601
United Automobile Ins Group	$4715	$802
Allstate	$5821	$980
Progressive	$7493	$1261
Mercury	$8865	$1492
Farmers	$11368	$1933

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 Lakes, Nationwide is the cheapest car insurance provider. At $906 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 Lakes is Farmers, offering rates of around $4624 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$906	$154
Mercury	$990	$165
Direct General Insurance	$1032	$175
UAIC	$2005	$335
Travelers	$2195	$370
Progressive	$3858	$643
Allstate	$6769	$1151
State Farm	$6927	$1155
Farmers	$4624	$787

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Car Insurance Rates with An Accident in Miami Lakes

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

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

The cheapest car insurance companies after an at-fault accident in Miami Lakes include Nationwide and AIG, offering $956 and $1222, respectively. Farmers is an expensive provider with an average six-month premium of $4665.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$956	$160
AIG	$1222	$207
State Farm	$1422	$239
Travelers	$1448	$244
United Automobile Ins Group	$2486	$414
Mercury	$2569	$433
UAIC	$2603	$434
Progressive	$3409	$574
Allstate	$6070	$1022
Farmers	$4665	$777

Miami Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Miami Lakes FL. For example, the car insurance in Miami Lakes after a DUI increases to $1313 for a six month policy. While the rate increases by $399 for a six-month policy in the case of a speeding ticket.

Miami Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2554	$426
One Med/PIP claim	$2554	$434
Not-at-fault accident	$2761	$461
Two Med/PIP claims	$2836	$482
One comp claim	$2877	$480
Child safety restraint	$2885	$490
Failure to wear a seat belt	$2885	$482
Driving without lights	$2894	$491
Failure to show documents	$2894	$483
Speeding 6 - 10 MPH over limit	$2953	$503
Improper passing	$2961	$493
Passing school bus	$2961	$504
Wrong way/wrong lane	$2961	$493
Failure to stop at a red light	$2969	$505
Failure to yield	$2969	$494
Illegal turn	$2969	$505
Cell phone violation	$2978	$496
Driving with expired registration	$2978	$507
Following too closely	$2978	$496
Texting while driving	$2985	$508
Two comp claims	$3052	$508
Driving too slowly	$3069	$522
Speeding in school zone	$3069	$511
Speeding 11 - 15 MPH over limit	$3077	$524
In 65 MPH zone	$3185	$531
Speeding 16 - 20 MPH over limit	$3185	$542
Speeding 21 - 25 MPH over limit	$3202	$533
Open container	$3235	$550
Operating a vehicle without permission	$3235	$539
At-fault accident - less than $1000	$3510	$596
At-fault accident - $1000-$2000	$3567	$595
At-fault accident - greater than $2000	$3567	$606
Racing	$3858	$643
DUI	$3867	$658
Refusal to submit to a chemical test	$3867	$644
Driving with a suspended license	$3934	$669
Reckless driving	$4017	$669
Leaving scene of an accident/hit and run	$4059	$690

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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 Lakes 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 Lakes.

The cheapest car insurance premiums in Miami Lakes are offered by AIG at $899 for a six-month policy. However, it can be as expensive as $3801 with companies like Farmers.

Miami Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$899	$153
Travelers	$1471	$248
Progressive	$1688	$284
State Farm	$2029	$342
Allstate	$2744	$462
UAIC	$3527	$588
Farmers	$3801	$633

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 Lakes are offered by Nationwide at $781. However, it can be as expensive as $4059 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Miami Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$781	$130
State Farm	$990	$167
Travelers	$1123	$189
Allstate	$2944	$496
UAIC	$3219	$536
Progressive	$3942	$671
Farmers	$4059	$690

Car Insurance Price Trends in Miami Lakes, Florida

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

The average cost of full coverage in the Miami Lakes dipped by $358 in January compared to $386 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 Lakes dipped to $116 in January, compared to $118 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Miami Lakes?

The car insurance in Miami Lakes is $84 per month, which is lower than the national average.

What is the cheapest car insurance in Miami Lakes?

The cheapest car insurance in Miami Lakes is $228 per month for full coverage.

How much is car insurance in Miami Lakes for teenagers?

Car insurance for teenagers costs $757 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 Lakes?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $382 per month to insure your car in Miami Lakes.

Is car insurance expensive in Miami Lakes?

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

Cheapest Car Insurance Quotes in Miami Lakes

Why you can trust Way?

How Much Is Car Insurance in Miami Lakes

Avg. Car Insurance in Miami Lakes

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Miami Lakes

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Miami Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Miami Lakes, FL

Way's key takeaways about car insurance in Miami Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Miami Lakes

Cheapest Liability Coverage in Miami Lakes, FL

Cheapest Full Coverage Car Insurance in Miami Lakes

Cheapest Full Coverage Car Insurance Quotes in Miami Lakes, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Miami Lakes by Rating Factor

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

Car Insurance Premiums by Age in Miami Lakes

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Lakes

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

Miami Lakes Car Insurance Rates by Violation

Miami Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Miami Lakes after a DUI

Miami Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Miami Lakes after Speeding ticket

Car Insurance Price Trends in Miami Lakes, Florida

Average Car Insurance Cost in Miami Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Miami Lakes, FL

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

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