Cheapest Car Insurance Quotes in South Miami Heights

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South Miami Heights Car Insurance

^$ 27

/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 Heights

The car insurance rate in South Miami Heights is $2065 for a six-month policy, which is $464 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1318, making it a popular choice for budget-conscious drivers. Rates in South Miami Heights 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 Heights

$2065

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in South Miami Heights

1st place: Travelers

At $1318 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 $1402 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1632 for six months, making it the third cheapest auto insurance company in South Miami Heights.

South Miami Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Miami Heights, FL is Travelers, offering policies at just $1318 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1402.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1233 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Miami Heights drivers find the best deals.

Cheap Car Insurance Companies in South Miami Heights, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1318	$222
State Farm	$1402	$236
Nationwide	$1632	$275
United Automobile Ins Group	$1762	$294
Progressive	$1840	$310
UAIC	$1840	$307
MetLife	$1939	$330
Farmers	$3081	$513
Mercury	$3326	$565
Allstate	$3349	$564
Metropolitan Group	$1233	$205

Key Takeaways

Way's key takeaways about car insurance in South Miami Heights

The auto insurance costs in South Miami Heights fall around $1318 for six months.
The cheapest auto insurance company in South Miami Heights is Patrons Insurance.
Teen drivers pay the highest rate in South Miami Heights at $1781 per month.

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Cheapest Minimum Liability Car Insurance in South Miami Heights

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 Heights are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in South Miami Heights. Their Average 6 Month Premium is $161. Metropolitan Group is the most expensive at $490 for the same period.

Cheapest Liability Coverage in South Miami Heights, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$161	$27
Travelers	$490	$83
State Farm	$521	$88
Mercury	$552	$93
Nationwide	$613	$104
Farmers	$850	$142
AIG	$866	$147
Progressive	$904	$152
United Automobile Ins Group	$928	$157
UAIC	$1004	$168
Allstate	$1157	$195
Metropolitan Group	$490	$81

Cheapest Full Coverage Car Insurance in South Miami Heights

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 Heights is Travelers at $222 per month and $1318 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Miami Heights, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1318	$222
State Farm	$1402	$236
Nationwide	$1632	$275
United Automobile Ins Group	$1762	$294
Progressive	$1840	$310
UAIC	$1840	$307
MetLife	$1939	$330
Farmers	$3081	$513
Mercury	$3326	$565
Allstate	$3349	$564
Metropolitan Group	$1233	$205

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Average Car Insurance in South Miami Heights 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 Heights, FL increasing?

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

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	$1673
40s	Travelers	$1263
50s	Travelers	$1178
60s	Travelers	$1161

Cheapest Car Insurance Rates for Teen Drivers in South Miami Heights,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 Heights at $116 per month. At $10475 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$698	$116
AIG	$943	$160
Travelers	$2138	$360
State Farm	$2812	$473
UAIC	$4183	$698
United Automobile Ins Group	$4345	$739
Allstate	$6589	$1109
Mercury	$8168	$1375
Progressive	$8728	$1469
Farmers	$10475	$1781

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 Heights.

As young drivers face the highest rates in South Miami Heights, Travelers offers the cheapest auto insurance rates at $1673 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 Heights, Nationwide is the cheapest car insurance provider. At $835 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 Heights is Allstate, offering rates of around $6698 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$835	$142
Mercury	$912	$152
Direct General Insurance	$951	$161
Travelers	$1809	$304
UAIC	$1840	$312
Progressive	$3555	$592
Farmers	$4261	$725
State Farm	$6383	$1064
Allstate	$6698	$1139

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Car Insurance Rates with An Accident in South Miami Heights

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

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

The cheapest car insurance companies after an at-fault accident in South Miami Heights include Nationwide and AIG, offering $881 and $1126, respectively. National General is an expensive provider with an average six-month premium of $1364.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$881	$147
AIG	$1126	$191
Travelers	$1272	$214
State Farm	$1311	$221
United Automobile Ins Group	$2291	$382
Mercury	$2367	$399
UAIC	$2398	$400
Progressive	$3141	$529
Farmers	$4298	$716
Allstate	$5815	$979
National General	$1364	$232

South Miami Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Miami Heights FL. For example, the car insurance in South Miami Heights after a DUI increases to $1210 for a six month policy. While the rate increases by $368 for a six-month policy in the case of a speeding ticket.

South Miami Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2353	$392
One Med/PIP claim	$2353	$400
Not-at-fault accident	$2544	$424
Two Med/PIP claims	$2614	$444
One comp claim	$2651	$442
Child safety restraint	$2659	$452
Failure to wear a seat belt	$2659	$444
Driving without lights	$2666	$453
Failure to show documents	$2666	$445
Speeding 6 - 10 MPH over limit	$2721	$463
Improper passing	$2728	$454
Passing school bus	$2728	$464
Wrong way/wrong lane	$2728	$454
Failure to stop at a red light	$2736	$466
Failure to yield	$2736	$455
Illegal turn	$2736	$466
Cell phone violation	$2744	$457
Driving with expired registration	$2744	$467
Following too closely	$2744	$457
Texting while driving	$2750	$468
Two comp claims	$2812	$468
Driving too slowly	$2828	$481
Speeding in school zone	$2828	$471
Speeding 11 - 15 MPH over limit	$2835	$482
In 65 MPH zone	$2935	$489
Speeding 16 - 20 MPH over limit	$2935	$499
Speeding 21 - 25 MPH over limit	$2950	$491
Open container	$2981	$507
Operating a vehicle without permission	$2981	$497
At-fault accident - less than $1000	$3234	$550
At-fault accident - $1000-$2000	$3287	$548
At-fault accident - greater than $2000	$3287	$559
Racing	$3555	$592
DUI	$3563	$606
Refusal to submit to a chemical test	$3563	$593
Driving with a suspended license	$3625	$617
Reckless driving	$3701	$617
Leaving scene of an accident/hit and run	$3740	$636

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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 Heights 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 Heights.

The cheapest car insurance premiums in South Miami Heights are offered by AIG at $828 for a six-month policy. However, it can be as expensive as $1027 with companies like National General.

South Miami Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$828	$138
Travelers	$1318	$222
State Farm	$1601	$270
Progressive	$1616	$272
Allstate	$2942	$495
UAIC	$3242	$551
Farmers	$3502	$583
National General	$1027	$172

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 Heights are offered by Nationwide at $720. However, it can be as expensive as $3740 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Miami Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$720	$123
State Farm	$928	$156
Travelers	$1111	$187
UAIC	$1840	$307
Allstate	$2108	$355
Progressive	$3042	$507
Farmers	$3740	$636

Car Insurance Price Trends in South Miami Heights, Florida

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

The average cost of full coverage in the South Miami Heights remained steady at $356 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the South Miami Heights remained steady at $108 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 South Miami Heights?

The car insurance in South Miami Heights is $27 per month, which is lower than the national average.

What is the cheapest car insurance in South Miami Heights?

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

How much is car insurance in South Miami Heights for teenagers?

Car insurance for teenagers costs $698 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 Heights?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $347 per month to insure your car in South Miami Heights.

Is car insurance expensive in South Miami Heights?

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

Cheapest Car Insurance Quotes in South Miami Heights

Why you can trust Way?

How Much Is Car Insurance in South Miami Heights

Avg. Car Insurance in South Miami Heights

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in South Miami Heights

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

South Miami Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in South Miami Heights, FL

Way's key takeaways about car insurance in South Miami Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Miami Heights

Cheapest Liability Coverage in South Miami Heights, FL

Cheapest Full Coverage Car Insurance in South Miami Heights

Cheapest Full Coverage Car Insurance Quotes in South Miami Heights, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Miami Heights by Rating Factor

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

Car Insurance Premiums by Age in South Miami Heights

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Heights

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

South Miami Heights Car Insurance Rates by Violation

South Miami Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Miami Heights after a DUI

South Miami Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Miami Heights after Speeding ticket

Car Insurance Price Trends in South Miami Heights, Florida

Average Car Insurance Cost in South Miami Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Miami Heights, FL

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

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