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Finding the cheapest car insurance quotes in South 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Beach
The car insurance rate in South Beach is $968 for a six-month policy, which is $88 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $425, making it a popular choice for budget-conscious drivers. Rates in South 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.
At $425 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Capital Insurance Group
Capital Insurance Group offers auto
insurance rates at $673 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American Family
American Family offers auto insurance
rates at $745
for six months, making it
the third cheapest auto insurance company in South Beach.
South Beach Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in South Beach, OR is Kemper, offering policies at just $425 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $673.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1843 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Beach drivers find the best deals.
Way's key takeaways about car insurance in South Beach
The auto insurance costs in South Beach fall around $425 for six
months.
The cheapest auto insurance company in South Beach is Kemper.
Teen drivers pay the highest rate in South Beach at $1111 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in South 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 South Beach are given below.
Kemper provides
the cheapest minimum car insurance
coverage in South Beach. Their Average 6 Month Premium is $262.
Allstate is the most
expensive at $974 for the same
period.
Cheapest Full Coverage Car Insurance in South 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 South Beach is Kemper
at $73 per month and $425
for six months.
Cheapest Full Coverage Car Insurance Quotes in South Beach,
OR
Get Your Car Insurance Quote in South Beach
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Average Car Insurance in South 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 South Beach, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in South Beach, Oregon, may be increasing due to several external factors.
Oregon 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 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 South 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
USAA
$631
30s
USAA
$515
40s
USAA
$477
50s
USAA
$459
60s
USAA
$477
70s
USAA
$581
Cheapest Car Insurance Rates for Teen Drivers in
South Beach,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the South Beach at $41
per
month. At $6599 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in South Beach.
As young drivers face the highest rates in South Beach, USAA
offers the cheapest auto insurance rates at $631 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 Beach,
Kemper is
the cheapest car insurance provider. At $438 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 Beach is State Farm, offering
rates of around $4456 for six
months.
Save up to $971/yr on car insurance rates in South Beach.
Car Insurance Rates with An Accident in South 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 South Beach, OR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in South Beach
The cheapest car insurance companies after an at-fault accident in
South Beach include Kemper
and Capital Insurance Group, offering $347
and $411,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2914.
Here is a list of driving violations that can increase your car
insurance rates in South Beach OR. For example, the car
insurance in South Beach
after a DUI increases to $685 for a six
month policy. While the rate increases by $247 for a six-month policy in the case of
a speeding ticket.
South Beach auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$922
$154
One Med/PIP claim
$922
$156
Not-at-fault accident
$954
$160
One comp claim
$974
$165
Two Med/PIP claims
$987
$164
Failure to wear a seat belt
$1052
$179
Two comp claims
$1078
$179
Child safety restraint
$1091
$186
Failure to show documents
$1091
$182
Driving without lights
$1098
$187
Driving with expired registration
$1124
$187
Speeding 11 - 15 MPH over limit
$1169
$199
Speeding 16 - 20 MPH over limit
$1169
$195
Speeding 6 - 10 MPH over limit
$1169
$199
Cell phone violation
$1176
$196
Driving too slowly
$1176
$200
Failure to yield
$1176
$196
Following too closely
$1176
$200
Illegal turn
$1176
$196
Texting while driving
$1176
$200
Wrong way/wrong lane
$1176
$196
Failure to stop at a red light
$1183
$201
Improper passing
$1183
$197
Passing school bus
$1229
$209
Speeding in school zone
$1229
$205
In 65 MPH zone
$1249
$212
Speeding 21 - 25 MPH over limit
$1254
$209
Open container
$1294
$220
At-fault accident - less than $1000
$1327
$221
Operating a vehicle without permission
$1333
$227
At-fault accident - $1000-$2000
$1411
$235
At-fault accident - greater than $2000
$1411
$240
Refusal to submit to a chemical test
$1581
$264
Racing
$1587
$270
DUI
$1607
$268
Reckless driving
$1614
$274
Driving with a suspended license
$1627
$272
Leaving scene of an accident/hit and run
$1680
$286
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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 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 South Beach.
The cheapest car insurance premiums in
South Beach are
offered by Capital Insurance Group at $477 for a six-month policy.
However, it can be as
expensive as $2567 with companies
like Nationwide.
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 Beach are offered by Kemper
at $320. However,
it can be as expensive as $2999
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in South Beach after Speeding ticket
Car insurance rates in South Beach have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Beach rose by
$219 in January
compared to $211 of December. In other words, there has been an increase by $8 when you
compare January and December.
The average cost of liability insurance in the South Beach remained steady at $78 in both January and December, indicating no change over the two month period.
Average Car Insurance Cost in South Beach by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
South Beach. At $1936 for a
six-month policy, insuring
your car at 97366 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in South Beach?
The car insurance in South Beach is $44 per month, which is lower than the national average.
What is the cheapest car insurance in South Beach?
The cheapest car insurance in South Beach
is $73 per month
for full coverage.
How much is car insurance in South Beach for teenagers?
Car insurance for teenagers costs $242 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 Beach?
The average cost of car insurance is $880 for a six-month
policy. It will cost around $163 per month to insure your
car in South Beach.
Is car insurance expensive in South Beach?
Car insurance can be expensive in South Beach if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in South Beach can be
affordable.
What is the best car insurance in South Beach,
OR?
The best car insurance company in South Beach
OR is
Kemper, offering $425 for a
six-month policy.
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Find Car Insurance Rates in Cities Near South Beach, OR
Car Insurance Rates by State in the USA (2025 Update)
South Beach Car Insurance
