Cheapest Car Insurance Quotes in Sunny Isles Beach

Finding the cheapest car insurance quotes in Sunny Isles Beach 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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Sunny Isles Beach Car Insurance

^$ 29

/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 Sunny Isles Beach

The car insurance rate in Sunny Isles Beach is $2298 for a six-month policy, which is $633 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1410, making it a popular choice for budget-conscious drivers. Rates in Sunny Isles 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 Sunny Isles Beach

$2298

Avg. Car Insurance in Florida

$1665

National Average

$1140

Cheapest Car Insurance Companies in Sunny Isles Beach

1st place: Travelers

At $1410 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 $1500 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1746 for six months, making it the third cheapest auto insurance company in Sunny Isles Beach.

Sunny Isles Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sunny Isles Beach, FL is Travelers, offering policies at just $1410 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1500.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3582 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sunny Isles Beach drivers find the best deals.

Cheap Car Insurance Companies in Sunny Isles Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1410	$237
State Farm	$1500	$253
Nationwide	$1746	$294
United Automobile Ins Group	$1885	$315
Progressive	$1968	$331
UAIC	$1968	$328
MetLife	$2074	$353
Farmers	$3295	$549
Mercury	$3558	$604
Allstate	$3582	$603

Key Takeaways

Way's key takeaways about car insurance in Sunny Isles Beach

The auto insurance costs in Sunny Isles Beach fall around $1410 for six months.
The cheapest auto insurance company in Sunny Isles Beach is Patrons Insurance.
Teen drivers pay the highest rate in Sunny Isles Beach at $1906 per month.

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

Cheapest Minimum Liability Car Insurance in Sunny Isles 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 Sunny Isles Beach are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Sunny Isles Beach. Their Average 6 Month Premium is $173. Allstate is the most expensive at $1238 for the same period.

Cheapest Liability Coverage in Sunny Isles Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$173	$29
Travelers	$524	$88
State Farm	$558	$94
Mercury	$591	$99
Nationwide	$656	$112
Farmers	$909	$152
AIG	$926	$157
Progressive	$967	$163
United Automobile Ins Group	$992	$168
UAIC	$1074	$179
Allstate	$1238	$208

Cheapest Full Coverage Car Insurance in Sunny Isles 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 Sunny Isles Beach is Travelers at $237 per month and $1410 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sunny Isles Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1410	$237
State Farm	$1500	$253
Nationwide	$1746	$294
United Automobile Ins Group	$1885	$315
Progressive	$1968	$331
UAIC	$1968	$328
MetLife	$2074	$353
Farmers	$3295	$549
Mercury	$3558	$604
Allstate	$3582	$603

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Average Car Insurance in Sunny Isles 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 Sunny Isles Beach, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Sunny Isles 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, Sunny Isles 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 Sunny Isles 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	$1790
40s	Travelers	$1351
50s	Travelers	$1260
60s	Travelers	$1242

Cheapest Car Insurance Rates for Teen Drivers in Sunny Isles Beach,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Sunny Isles Beach at $124 per month. At $11206 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$747	$124
AIG	$1009	$171
Travelers	$2287	$385
State Farm	$3008	$506
UAIC	$4475	$747
United Automobile Ins Group	$4648	$791
Allstate	$7049	$1187
Mercury	$8738	$1471
Progressive	$9337	$1572
Farmers	$11206	$1906

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 Sunny Isles Beach.

As young drivers face the highest rates in Sunny Isles Beach, Travelers offers the cheapest auto insurance rates at $1790 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 Sunny Isles Beach, Nationwide is the cheapest car insurance provider. At $893 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 Sunny Isles Beach is Allstate, offering rates of around $7165 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$893	$152
Mercury	$976	$163
Direct General Insurance	$1017	$173
Travelers	$1935	$326
UAIC	$1968	$334
Progressive	$3803	$633
Farmers	$4558	$776
State Farm	$6828	$1139
Allstate	$7165	$1219

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Sunny Isles Beach.

Car Insurance Rates with An Accident in Sunny Isles 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 Sunny Isles Beach, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sunny Isles Beach

The cheapest car insurance companies after an at-fault accident in Sunny Isles Beach include Nationwide and AIG, offering $943 and $1205, respectively. National General is an expensive provider with an average six-month premium of $1459.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$943	$157
AIG	$1205	$204
Travelers	$1361	$229
State Farm	$1402	$236
United Automobile Ins Group	$2451	$408
Mercury	$2532	$426
UAIC	$2565	$428
Progressive	$3360	$566
Farmers	$4598	$766
Allstate	$6221	$1047
National General	$1459	$248

Sunny Isles Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sunny Isles Beach FL. For example, the car insurance in Sunny Isles Beach after a DUI increases to $1295 for a six month policy. While the rate increases by $393 for a six-month policy in the case of a speeding ticket.

Sunny Isles Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2517	$420
One Med/PIP claim	$2517	$428
Not-at-fault accident	$2721	$454
Two Med/PIP claims	$2796	$475
One comp claim	$2836	$473
Child safety restraint	$2844	$483
Failure to wear a seat belt	$2844	$475
Driving without lights	$2852	$484
Failure to show documents	$2852	$476
Speeding 6 - 10 MPH over limit	$2910	$495
Improper passing	$2919	$486
Passing school bus	$2919	$497
Wrong way/wrong lane	$2919	$486
Failure to stop at a red light	$2927	$498
Failure to yield	$2927	$487
Illegal turn	$2927	$498
Cell phone violation	$2935	$489
Driving with expired registration	$2935	$500
Following too closely	$2935	$489
Texting while driving	$2942	$501
Two comp claims	$3008	$501
Driving too slowly	$3025	$515
Speeding in school zone	$3025	$504
Speeding 11 - 15 MPH over limit	$3033	$516
In 65 MPH zone	$3139	$523
Speeding 16 - 20 MPH over limit	$3139	$534
Speeding 21 - 25 MPH over limit	$3156	$526
Open container	$3189	$542
Operating a vehicle without permission	$3189	$531
At-fault accident - less than $1000	$3460	$588
At-fault accident - $1000-$2000	$3516	$587
At-fault accident - greater than $2000	$3516	$598
Racing	$3803	$633
DUI	$3812	$649
Refusal to submit to a chemical test	$3812	$635
Driving with a suspended license	$3878	$660
Reckless driving	$3959	$660
Leaving scene of an accident/hit and run	$4001	$680

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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 Sunny Isles 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 Sunny Isles Beach.

The cheapest car insurance premiums in Sunny Isles Beach are offered by AIG at $886 for a six-month policy. However, it can be as expensive as $1098 with companies like National General.

Sunny Isles Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$886	$148
Travelers	$1410	$237
State Farm	$1713	$288
Progressive	$1729	$291
Allstate	$3148	$530
UAIC	$3468	$589
Farmers	$3747	$624
National General	$1098	$184

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 Sunny Isles Beach are offered by Nationwide at $770. However, it can be as expensive as $4001 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sunny Isles Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$770	$131
State Farm	$992	$167
Travelers	$1188	$200
UAIC	$1968	$328
Allstate	$2255	$379
Progressive	$3254	$542
Farmers	$4001	$680

Car Insurance Price Trends in Sunny Isles Beach, Florida

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

The average cost of full coverage in the Sunny Isles Beach remained steady at $381 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Sunny Isles Beach remained steady at $116 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 Sunny Isles Beach?

The car insurance in Sunny Isles Beach is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Sunny Isles Beach?

The cheapest car insurance in Sunny Isles Beach is $237 per month for full coverage.

How much is car insurance in Sunny Isles Beach for teenagers?

Car insurance for teenagers costs $747 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 Sunny Isles Beach?

The average cost of car insurance is $1665 for a six-month policy. It will cost around $386 per month to insure your car in Sunny Isles Beach.

Is car insurance expensive in Sunny Isles Beach?

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

Cheapest Car Insurance Quotes in Sunny Isles Beach

Why you can trust Way?

How Much Is Car Insurance in Sunny Isles Beach

Avg. Car Insurance in Sunny Isles Beach

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Sunny Isles Beach

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Sunny Isles Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Sunny Isles Beach, FL

Way's key takeaways about car insurance in Sunny Isles Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sunny Isles Beach

Cheapest Liability Coverage in Sunny Isles Beach, FL

Cheapest Full Coverage Car Insurance in Sunny Isles Beach

Cheapest Full Coverage Car Insurance Quotes in Sunny Isles Beach, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sunny Isles Beach by Rating Factor

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

Car Insurance Premiums by Age in Sunny Isles Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sunny Isles Beach,FL

If you are in your twenties Travelers is the best choice for car insurance in Sunny Isles 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 Sunny Isles Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Sunny Isles Beach

Sunny Isles Beach Car Insurance Rates by Violation

Sunny Isles Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sunny Isles Beach after a DUI

Sunny Isles Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sunny Isles Beach after Speeding ticket

Car Insurance Price Trends in Sunny Isles Beach, Florida

Average Car Insurance Cost in Sunny Isles Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sunny Isles Beach, FL

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

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