Cheapest Car Insurance Quotes in North Miami Beach

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North Miami Beach Car Insurance

^$ 31

/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 North Miami Beach

The car insurance rate in North Miami Beach is $2353 for a six-month policy, which is $752 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1502, making it a popular choice for budget-conscious drivers. Rates in North Miami Beach 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 Beach

$2353

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in North Miami Beach

1st place: Travelers

At $1502 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 $1598 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1860 for six months, making it the third cheapest auto insurance company in North Miami Beach.

North Miami Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Miami Beach, FL is Travelers, offering policies at just $1502 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1598.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1405 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Miami Beach drivers find the best deals.

Cheap Car Insurance Companies in North Miami Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1502	$253
State Farm	$1598	$269
Nationwide	$1860	$313
United Automobile Ins Group	$2008	$335
Progressive	$2096	$353
UAIC	$2096	$350
MetLife	$2209	$376
Farmers	$3510	$585
Mercury	$3790	$644
Allstate	$3816	$642
Metropolitan Group	$1405	$234

Key Takeaways

Way's key takeaways about car insurance in North Miami Beach

The auto insurance costs in North Miami Beach fall around $1502 for six months.
The cheapest auto insurance company in North Miami Beach is Patrons Insurance.
Teen drivers pay the highest rate in North Miami Beach at $2030 per month.

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

Cheapest Minimum Liability Car Insurance in North Miami Beach

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 Beach are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in North Miami Beach. Their Average 6 Month Premium is $184. Metropolitan Group is the most expensive at $559 for the same period.

Cheapest Liability Coverage in North Miami Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$184	$31
Travelers	$559	$94
State Farm	$594	$100
Mercury	$629	$106
Nationwide	$698	$119
Farmers	$969	$162
AIG	$986	$168
Progressive	$1030	$173
United Automobile Ins Group	$1057	$179
UAIC	$1144	$191
Allstate	$1319	$222
Metropolitan Group	$559	$93

Cheapest Full Coverage Car Insurance in North Miami Beach

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 Beach is Travelers at $253 per month and $1502 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Miami Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1502	$253
State Farm	$1598	$269
Nationwide	$1860	$313
United Automobile Ins Group	$2008	$335
Progressive	$2096	$353
UAIC	$2096	$350
MetLife	$2209	$376
Farmers	$3510	$585
Mercury	$3790	$644
Allstate	$3816	$642
Metropolitan Group	$1405	$234

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

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

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	$1907
40s	Travelers	$1439
50s	Travelers	$1342
60s	Travelers	$1323

Cheapest Car Insurance Rates for Teen Drivers in North Miami Beach,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 Beach at $132 per month. At $11936 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$795	$132
AIG	$1075	$182
Travelers	$2436	$410
State Farm	$3205	$539
UAIC	$4767	$795
United Automobile Ins Group	$4951	$842
Allstate	$7509	$1264
Mercury	$9308	$1567
Progressive	$9946	$1674
Farmers	$11936	$2030

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 North Miami Beach.

As young drivers face the highest rates in North Miami Beach, Travelers offers the cheapest auto insurance rates at $1907 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 North Miami Beach, Nationwide is the cheapest car insurance provider. At $951 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 Beach is Allstate, offering rates of around $7632 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$951	$162
Mercury	$1039	$173
Direct General Insurance	$1083	$184
Travelers	$2061	$347
UAIC	$2096	$356
Progressive	$4051	$675
Farmers	$4855	$826
State Farm	$7274	$1213
Allstate	$7632	$1298

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Car Insurance Rates with An Accident in North Miami Beach

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

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

The cheapest car insurance companies after an at-fault accident in North Miami Beach include Nationwide and AIG, offering $1004 and $1283, respectively. National General is an expensive provider with an average six-month premium of $1554.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1004	$168
AIG	$1283	$218
Travelers	$1449	$244
State Farm	$1494	$251
United Automobile Ins Group	$2611	$435
Mercury	$2697	$454
UAIC	$2733	$456
Progressive	$3579	$603
Farmers	$4898	$816
Allstate	$6627	$1116
National General	$1554	$265

North Miami Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Miami Beach FL. For example, the car insurance in North Miami Beach after a DUI increases to $1379 for a six month policy. While the rate increases by $419 for a six-month policy in the case of a speeding ticket.

North Miami Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2681	$447
One Med/PIP claim	$2681	$456
Not-at-fault accident	$2899	$484
Two Med/PIP claims	$2978	$506
One comp claim	$3021	$504
Child safety restraint	$3030	$515
Failure to wear a seat belt	$3030	$506
Driving without lights	$3038	$516
Failure to show documents	$3038	$507
Speeding 6 - 10 MPH over limit	$3100	$528
Improper passing	$3109	$517
Passing school bus	$3109	$529
Wrong way/wrong lane	$3109	$517
Failure to stop at a red light	$3118	$531
Failure to yield	$3118	$519
Illegal turn	$3118	$531
Cell phone violation	$3127	$520
Driving with expired registration	$3127	$532
Following too closely	$3127	$520
Texting while driving	$3134	$534
Two comp claims	$3205	$534
Driving too slowly	$3222	$548
Speeding in school zone	$3222	$537
Speeding 11 - 15 MPH over limit	$3231	$550
In 65 MPH zone	$3344	$557
Speeding 16 - 20 MPH over limit	$3344	$569
Speeding 21 - 25 MPH over limit	$3362	$560
Open container	$3397	$578
Operating a vehicle without permission	$3397	$566
At-fault accident - less than $1000	$3685	$626
At-fault accident - $1000-$2000	$3746	$625
At-fault accident - greater than $2000	$3746	$637
Racing	$4051	$675
DUI	$4060	$691
Refusal to submit to a chemical test	$4060	$676
Driving with a suspended license	$4131	$703
Reckless driving	$4217	$703
Leaving scene of an accident/hit and run	$4262	$725

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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 Beach 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 Beach.

The cheapest car insurance premiums in North Miami Beach are offered by AIG at $944 for a six-month policy. However, it can be as expensive as $1170 with companies like National General.

North Miami Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$944	$157
Travelers	$1502	$253
State Farm	$1824	$307
Progressive	$1842	$310
Allstate	$3353	$564
UAIC	$3694	$628
Farmers	$3991	$664
National General	$1170	$196

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 Beach are offered by Nationwide at $820. However, it can be as expensive as $4262 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in North Miami Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$820	$140
State Farm	$1057	$178
Travelers	$1266	$213
UAIC	$2096	$350
Allstate	$2402	$404
Progressive	$3466	$578
Farmers	$4262	$725

Car Insurance Price Trends in North Miami Beach, Florida

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

The average cost of full coverage in the North Miami Beach remained steady at $406 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the North Miami Beach remained steady at $123 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 North Miami Beach?

The car insurance in North Miami Beach is $31 per month, which is lower than the national average.

What is the cheapest car insurance in North Miami Beach?

The cheapest car insurance in North Miami Beach is $253 per month for full coverage.

How much is car insurance in North Miami Beach for teenagers?

Car insurance for teenagers costs $795 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 Beach?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $395 per month to insure your car in North Miami Beach.

Is car insurance expensive in North Miami Beach?

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

Cheapest Car Insurance Quotes in North Miami Beach

Why you can trust Way?

How Much Is Car Insurance in North Miami Beach

Avg. Car Insurance in North Miami Beach

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in North Miami Beach

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

North Miami Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in North Miami Beach, FL

Way's key takeaways about car insurance in North Miami Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Miami Beach

Cheapest Liability Coverage in North Miami Beach, FL

Cheapest Full Coverage Car Insurance in North Miami Beach

Cheapest Full Coverage Car Insurance Quotes in North Miami Beach, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Miami Beach by Rating Factor

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

Car Insurance Premiums by Age in North Miami Beach

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties Travelers is the best choice for car insurance in North Miami Beach.

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 Beach

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

North Miami Beach Car Insurance Rates by Violation

North Miami Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Miami Beach after a DUI

North Miami Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Miami Beach after Speeding ticket

Car Insurance Price Trends in North Miami Beach, Florida

Average Car Insurance Cost in North Miami Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Miami Beach, FL

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

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