Cheapest Car Insurance Quotes in South Miami

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South 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 South Miami

The car insurance rate in South Miami is $2087 for a six-month policy, which is $376 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1319, making it a popular choice for budget-conscious drivers. Rates in South 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 South Miami

$2087

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in South Miami

1st place: Travelers

At $1319 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 $1377 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1442 for six months, making it the third cheapest auto insurance company in South Miami.

South Miami Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Miami, FL is Travelers, offering policies at just $1319 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1377.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2913 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Miami drivers find the best deals.

Cheap Car Insurance Companies in South Miami, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1319	$222
State Farm	$1377	$232
Nationwide	$1442	$243
United Automobile Ins Group	$1667	$283
UAIC	$1841	$310
Progressive	$2174	$366
Mercury	$3145	$525
Allstate	$3167	$533
MetLife	$1834	$312
Farmers	$2913	$486

Key Takeaways

Way's key takeaways about car insurance in South Miami

The auto insurance costs in South Miami fall around $1319 for six months.
The cheapest auto insurance company in South Miami is Mercury.
Teen drivers pay the highest rate in South Miami at $1685 per month.

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Cheapest Minimum Liability Car Insurance in South 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 South Miami are given below.

Mercury provides the cheapest minimum car insurance coverage in South Miami. Their Average 6 Month Premium is $522. Farmers is the most expensive at $804 for the same period.

Cheapest Liability Coverage in South Miami, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$522	$88
Nationwide	$580	$99
MetLife	$609	$101
AIG	$681	$116
United Automobile Ins Group	$877	$146
Travelers	$1015	$171
State Farm	$1501	$253
Progressive	$2507	$422
Allstate	$2812	$473
UAIC	$3283	$559
Patrons Insurance	$153	$26
Farmers	$804	$134

Cheapest Full Coverage Car Insurance in South 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 South Miami is Travelers at $222 per month and $1319 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Miami, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1319	$222
State Farm	$1377	$232
Nationwide	$1442	$243
United Automobile Ins Group	$1667	$283
UAIC	$1841	$310
Progressive	$2174	$366
Mercury	$3145	$525
Allstate	$3167	$533
MetLife	$1834	$312
Farmers	$2913	$486

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Average Car Insurance in South 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 South Miami, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in South 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, South 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 South 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 South Miami,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the South Miami at $110 per month. At $9906 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$660	$110
AIG	$892	$151
Travelers	$2384	$401
State Farm	$2943	$495
United Automobile Ins Group	$4109	$684
UAIC	$4210	$716
Allstate	$6261	$1054
Mercury	$7725	$1301
Progressive	$11356	$1912
Farmers	$9906	$1685

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 South Miami, Nationwide is the cheapest car insurance provider. At $789 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 South Miami is Farmers, offering rates of around $4030 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$789	$134
Mercury	$863	$144
Direct General Insurance	$899	$153
UAIC	$1848	$307
Travelers	$2189	$368
Progressive	$5849	$975
Allstate	$6261	$1065
State Farm	$7841	$1307
Farmers	$4030	$686

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Car Insurance Rates with An Accident in South 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 South Miami, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in South Miami include Nationwide and AIG, offering $833 and $1065, respectively. Farmers is an expensive provider with an average six-month premium of $4065.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$833	$139
AIG	$1065	$181
State Farm	$1348	$227
Travelers	$1370	$231
United Automobile Ins Group	$2167	$361
Mercury	$2239	$377
UAIC	$2420	$404
Progressive	$3993	$672
Allstate	$5536	$932
Farmers	$4065	$677

South Miami Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Miami FL. For example, the car insurance in South Miami after a DUI increases to $1145 for a six month policy. While the rate increases by $348 for a six-month policy in the case of a speeding ticket.

South Miami auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2225	$371
One Med/PIP claim	$2225	$378
Not-at-fault accident	$2406	$401
Two Med/PIP claims	$2472	$420
One comp claim	$2507	$418
Child safety restraint	$2514	$427
Failure to wear a seat belt	$2514	$420
Driving without lights	$2522	$428
Failure to show documents	$2522	$421
Speeding 6 - 10 MPH over limit	$2573	$438
Improper passing	$2580	$429
Passing school bus	$2580	$439
Wrong way/wrong lane	$2580	$429
Failure to stop at a red light	$2588	$440
Failure to yield	$2588	$431
Illegal turn	$2588	$440
Cell phone violation	$2595	$432
Driving with expired registration	$2595	$442
Following too closely	$2595	$432
Texting while driving	$2601	$443
Two comp claims	$2660	$443
Driving too slowly	$2674	$455
Speeding in school zone	$2674	$445
Speeding 11 - 15 MPH over limit	$2682	$456
In 65 MPH zone	$2776	$462
Speeding 16 - 20 MPH over limit	$2776	$472
Speeding 21 - 25 MPH over limit	$2790	$465
Open container	$2819	$479
Operating a vehicle without permission	$2819	$470
At-fault accident - less than $1000	$3059	$520
At-fault accident - $1000-$2000	$3109	$519
At-fault accident - greater than $2000	$3109	$528
Racing	$3362	$560
DUI	$3370	$573
Refusal to submit to a chemical test	$3370	$561
Driving with a suspended license	$3428	$583
Reckless driving	$3500	$583
Leaving scene of an accident/hit and run	$3537	$601

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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 South 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 South Miami.

The cheapest car insurance premiums in South Miami are offered by AIG at $783 for a six-month policy. However, it can be as expensive as $3312 with companies like Farmers.

South Miami car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$783	$133
Travelers	$1501	$253
State Farm	$1863	$314
Progressive	$2065	$348
Allstate	$2797	$471
UAIC	$3283	$547
Farmers	$3312	$551

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 South Miami are offered by Nationwide at $681. However, it can be as expensive as $3537 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Miami after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$681	$113
State Farm	$1087	$183
Travelers	$1341	$226
UAIC	$1848	$315
Allstate	$2000	$337
Progressive	$4696	$798
Farmers	$3537	$601

Car Insurance Price Trends in South Miami, Florida

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

The average cost of full coverage in the South Miami rose by $345 in February compared to $312 of January. In other words, there has been an increase by $33 when you compare February and January.

The average cost of liability insurance in the South Miami rose to $234 in February, compared to $101 in January. This represents an increase of $133 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in South Miami?

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

What is the cheapest car insurance in South Miami?

The cheapest car insurance in South Miami is $222 per month for full coverage.

How much is car insurance in South Miami for teenagers?

Car insurance for teenagers costs $660 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 South Miami?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $350 per month to insure your car in South Miami.

Is car insurance expensive in South Miami?

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

Cheapest Car Insurance Quotes in South Miami

Why you can trust Way?

How Much Is Car Insurance in South Miami

Avg. Car Insurance in South Miami

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in South Miami

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

South Miami Car Insurance Rates by Company

Cheap Car Insurance Companies in South Miami, FL

Way's key takeaways about car insurance in South Miami

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Miami

Cheapest Liability Coverage in South Miami, FL

Cheapest Full Coverage Car Insurance in South Miami

Cheapest Full Coverage Car Insurance Quotes in South Miami, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Miami by Rating Factor

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

Car Insurance Premiums by Age in South Miami

Cheapest Car Insurance Companies Based on Age Group

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

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

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

South Miami Car Insurance Rates by Violation

South Miami auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Miami after a DUI

South Miami car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Miami after Speeding ticket

Car Insurance Price Trends in South Miami, Florida

Average Car Insurance Cost in South Miami by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Miami, FL

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

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