Car Insurance in Miami
Numbers refreshed
The Florida averages that sit behind car insurance in Miami, along with how people there drive.
- $181Full coverage at the Florida average, per month.
What drivers in the Miami area pay
Full coverage costs $2,175 each year in Florida on average. The legal minimum averages $1,391. In a big city, prices usually sit above the state average, because of more traffic, more claims and more theft.
| Coverage in Florida | Per year | Per month |
|---|---|---|
| Liability | $1,391 | $116 |
| Collision | $506 | $42 |
| Comprehensive | $278 | $23 |
| Full coverage (all three) | $2,175 | $181 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Miami rate quotes
Family with Young Drivers: Single Female (Age 18) and Single Male (Age 20), along with Married Female (Age 50) and Married Male (Age 50). Two cars, no violations or accidents in the past 3 years. Driving for work and driving for pleasure. The first car covers 12,000 miles per year; the second covers 8,000 miles per year.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | The Standard Fire Insurance Company | $1,134 | $94 |
| 2 | Florida Farm Bureau Casualty Insurance Company | $1,177 | $98 |
| 3 | USAA | $1,546 | $129 |
| 4 | USAA | $1,792 | $149 |
| 5 | Progressive | $1,796 | $150 |
| 6 | Progressive | $1,902 | $158 |
| 7 | Auto Club Insurance Company of Florida | $1,952 | $163 |
| 8 | USAA | $1,982 | $165 |
How people drive in Miami
| Census figure | Miami |
|---|---|
| People | 459,745 |
| Average trip to work | 27 minutes |
| Drive to work alone | 59% |
| Homes with no car | 18% |
| Median household income | $62,462 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The Florida cost calculator works out a price from your age, record and car. The state's rules appear on Florida car insurance requirements.
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