Cheapest Car Insurance Quotes in North Miami

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North Miami Car Insurance

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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 North Miami

The car insurance rate in North Miami is $2373 for a six-month policy, which is $748 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1413, making it a popular choice for budget-conscious drivers. Rates in North Miami 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 North Miami

$2373

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in North Miami

1st place: Travelers

At $1413 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 $1578 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1726 for six months, making it the third cheapest auto insurance company in North Miami.

North Miami Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Miami, FL is Travelers, offering policies at just $1413 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1578.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3486 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Miami drivers find the best deals.

Cheap Car Insurance Companies in North Miami, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1413	$238
State Farm	$1578	$266
Nationwide	$1726	$291
Progressive	$1829	$308
United Automobile Ins Group	$1994	$333
UAIC	$2186	$372
Allstate	$3564	$594
Mercury	$3764	$639
MetLife	$2194	$374
Farmers	$3486	$581

Key Takeaways

Way's key takeaways about car insurance in North Miami

The auto insurance costs in North Miami fall around $1413 for six months.
The cheapest auto insurance company in North Miami is Travelers.
Teen drivers pay the highest rate in North Miami at $2016 per month.

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Cheapest Minimum Liability Car Insurance in North Miami

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 North Miami are given below.

Travelers provides the cheapest minimum car insurance coverage in North Miami. Their Average 6 Month Premium is $520. Farmers is the most expensive at $962 for the same period.

Cheapest Liability Coverage in North Miami, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$520	$88
State Farm	$564	$95
Mercury	$625	$105
Nationwide	$694	$118
MetLife	$729	$121
AIG	$815	$139
Progressive	$1023	$172
United Automobile Ins Group	$1050	$178
UAIC	$1136	$190
Allstate	$1301	$219
Patrons Insurance	$183	$31
Farmers	$962	$161

Cheapest Full Coverage Car Insurance in North Miami

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 North Miami is Travelers at $238 per month and $1413 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Miami, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1413	$238
State Farm	$1578	$266
Nationwide	$1726	$291
Progressive	$1829	$308
United Automobile Ins Group	$1994	$333
UAIC	$2186	$372
Allstate	$3564	$594
Mercury	$3764	$639
MetLife	$2194	$374
Farmers	$3486	$581

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

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

Car Insurance Premiums by Age in North Miami

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 North Miami,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the North Miami at $131 per month. At $11855 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$790	$131
AIG	$1067	$181
Travelers	$2324	$391
State Farm	$2793	$470
UAIC	$3720	$626
United Automobile Ins Group	$4917	$837
Allstate	$6071	$1022
Progressive	$7814	$1315
Mercury	$9245	$1556
Farmers	$11855	$2016

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 North Miami, Nationwide is the cheapest car insurance provider. At $945 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 North Miami is Farmers, offering rates of around $4822 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$945	$161
Mercury	$1032	$172
Direct General Insurance	$1076	$183
UAIC	$2091	$349
Travelers	$2289	$385
Progressive	$4024	$670
Allstate	$7059	$1200
State Farm	$7224	$1205
Farmers	$4822	$821

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Car Insurance Rates with An Accident in North Miami

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

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

The cheapest car insurance companies after an at-fault accident in North Miami include Nationwide and AIG, offering $997 and $1275, respectively. Farmers is an expensive provider with an average six-month premium of $4865.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$997	$166
AIG	$1275	$216
State Farm	$1483	$250
Travelers	$1510	$254
United Automobile Ins Group	$2593	$432
Mercury	$2679	$451
UAIC	$2714	$453
Progressive	$3555	$599
Allstate	$6331	$1066
Farmers	$4865	$810

North Miami Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Miami FL. For example, the car insurance in North Miami after a DUI increases to $1370 for a six month policy. While the rate increases by $416 for a six-month policy in the case of a speeding ticket.

North Miami auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2663	$444
One Med/PIP claim	$2663	$453
Not-at-fault accident	$2879	$480
Two Med/PIP claims	$2958	$502
One comp claim	$3000	$501
Child safety restraint	$3009	$511
Failure to wear a seat belt	$3009	$502
Driving without lights	$3018	$512
Failure to show documents	$3018	$504
Speeding 6 - 10 MPH over limit	$3079	$524
Improper passing	$3088	$514
Passing school bus	$3088	$526
Wrong way/wrong lane	$3088	$514
Failure to stop at a red light	$3097	$527
Failure to yield	$3097	$515
Illegal turn	$3097	$527
Cell phone violation	$3105	$517
Driving with expired registration	$3105	$529
Following too closely	$3105	$517
Texting while driving	$3113	$530
Two comp claims	$3183	$530
Driving too slowly	$3200	$545
Speeding in school zone	$3200	$533
Speeding 11 - 15 MPH over limit	$3209	$546
In 65 MPH zone	$3322	$553
Speeding 16 - 20 MPH over limit	$3322	$565
Speeding 21 - 25 MPH over limit	$3339	$556
Open container	$3374	$574
Operating a vehicle without permission	$3374	$562
At-fault accident - less than $1000	$3660	$622
At-fault accident - $1000-$2000	$3720	$621
At-fault accident - greater than $2000	$3720	$632
Racing	$4024	$670
DUI	$4033	$686
Refusal to submit to a chemical test	$4033	$672
Driving with a suspended license	$4103	$698
Reckless driving	$4189	$698
Leaving scene of an accident/hit and run	$4233	$720

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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 North Miami 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 North Miami.

The cheapest car insurance premiums in North Miami are offered by AIG at $937 for a six-month policy. However, it can be as expensive as $3964 with companies like Farmers.

North Miami car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$937	$159
Travelers	$1534	$258
Progressive	$1761	$296
State Farm	$2116	$356
Allstate	$2862	$482
UAIC	$3678	$613
Farmers	$3964	$660

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 North Miami are offered by Nationwide at $815. However, it can be as expensive as $4233 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in North Miami after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$815	$136
State Farm	$1032	$174
Travelers	$1171	$197
Allstate	$3070	$517
UAIC	$3357	$559
Progressive	$4111	$699
Farmers	$4233	$720

Car Insurance Price Trends in North Miami, Florida

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

The average cost of full coverage in the North Miami dipped by $374 in January compared to $403 of December. In other words, there has been an decrease by $29 when you compare January and December.

The average cost of liability insurance in the North Miami dipped to $121 in January, compared to $123 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 North Miami?

The car insurance in North Miami is $88 per month, which is lower than the national average.

What is the cheapest car insurance in North Miami?

The cheapest car insurance in North Miami is $238 per month for full coverage.

How much is car insurance in North Miami for teenagers?

Car insurance for teenagers costs $790 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 North Miami?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $399 per month to insure your car in North Miami.

Is car insurance expensive in North Miami?

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

Cheapest Car Insurance Quotes in North Miami

Why you can trust Way?

How Much Is Car Insurance in North Miami

Avg. Car Insurance in North Miami

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in North Miami

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

North Miami Car Insurance Rates by Company

Cheap Car Insurance Companies in North Miami, FL

Way's key takeaways about car insurance in North Miami

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Miami

Cheapest Liability Coverage in North Miami, FL

Cheapest Full Coverage Car Insurance in North Miami

Cheapest Full Coverage Car Insurance Quotes in North Miami, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Miami by Rating Factor

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

Car Insurance Premiums by Age in North Miami

Cheapest Car Insurance Companies Based on Age Group

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

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

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 North Miami

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

North Miami Car Insurance Rates by Violation

North Miami auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Miami after a DUI

North Miami car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Miami after Speeding ticket

Car Insurance Price Trends in North Miami, Florida

Average Car Insurance Cost in North Miami by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Miami, FL

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

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