Cheapest Car Insurance Quotes in South Miami

Finding the cheapest car insurance quotes in South Miami shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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South Miami Car Insurance

^$ 26

/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 South Miami

The car insurance rate in South Miami is $2031 for a six-month policy, which is $366 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1247, 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

$2031

Avg. Car Insurance in Florida

$1665

National Average

$1140

Cheapest Car Insurance Companies in South Miami

1st place: Travelers

At $1247 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 $1326 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1543 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 $1247 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1326.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3167 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	$1247	$210
State Farm	$1326	$223
Nationwide	$1543	$260
United Automobile Ins Group	$1667	$278
Progressive	$1740	$293
UAIC	$1740	$290
MetLife	$1834	$312
Farmers	$2913	$486
Mercury	$3145	$534
Allstate	$3167	$533

Key Takeaways

Way's key takeaways about car insurance in South Miami

The auto insurance costs in South Miami fall around $1247 for six months.
The cheapest auto insurance company in South Miami is Patrons Insurance.
Teen drivers pay the highest rate in South Miami at $1685 per month.

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

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.

Patrons Insurance provides the cheapest minimum car insurance coverage in South Miami. Their Average 6 Month Premium is $153. Allstate is the most expensive at $1094 for the same period.

Cheapest Liability Coverage in South Miami, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$153	$26
Travelers	$464	$78
State Farm	$493	$83
Mercury	$522	$88
Nationwide	$580	$99
Farmers	$804	$134
AIG	$819	$139
Progressive	$855	$144
United Automobile Ins Group	$877	$149
UAIC	$949	$159
Allstate	$1094	$184

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 $210 per month and $1247 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Miami, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1247	$210
State Farm	$1326	$223
Nationwide	$1543	$260
United Automobile Ins Group	$1667	$278
Progressive	$1740	$293
UAIC	$1740	$290
MetLife	$1834	$312
Farmers	$2913	$486
Mercury	$3145	$534
Allstate	$3167	$533

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1582
40s	Travelers	$1194
50s	Travelers	$1114
60s	Travelers	$1098

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	$2022	$340
State Farm	$2660	$448
UAIC	$3956	$660
United Automobile Ins Group	$4109	$699
Allstate	$6232	$1049
Mercury	$7725	$1301
Progressive	$8255	$1390
Farmers	$9906	$1685

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 South Miami.

As young drivers face the highest rates in South Miami, Travelers offers the cheapest auto insurance rates at $1582 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 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 Allstate, offering rates of around $6334 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$789	$134
Mercury	$863	$144
Direct General Insurance	$899	$153
Travelers	$1710	$288
UAIC	$1740	$295
Progressive	$3362	$560
Farmers	$4030	$686
State Farm	$6037	$1007
Allstate	$6334	$1077

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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. National General is an expensive provider with an average six-month premium of $1290.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$833	$139
AIG	$1065	$181
Travelers	$1203	$203
State Farm	$1240	$209
United Automobile Ins Group	$2167	$361
Mercury	$2239	$377
UAIC	$2268	$378
Progressive	$2971	$500
Farmers	$4065	$677
Allstate	$5500	$926
National General	$1290	$220

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 $971 with companies like National General.

South Miami car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$783	$131
Travelers	$1247	$210
State Farm	$1514	$255
Progressive	$1529	$257
Allstate	$2783	$468
UAIC	$3066	$521
Farmers	$3312	$551
National General	$971	$162

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	$116
State Farm	$877	$148
Travelers	$1050	$177
UAIC	$1740	$290
Allstate	$1993	$336
Progressive	$2877	$479
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 remained steady at $337 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the South Miami remained steady at $102 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in South Miami?

The car insurance in South Miami is $26 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 $210 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 $1665 for a six-month policy. It will cost around $342 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 Travelers 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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Data Sources