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How much is car insurance in Miami Gardens?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Miami Gardens are about $31 a month more expensive than the rest of Florida.
If you're considering relocating to Miami Gardens from out of state, you may want to budget a little extra for your insurance. It's about $73 more for coverage in Miami Gardens than in the rest of the U.S.
While these are the average car insurance rates for Miami Gardens, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Miami Gardens so that you can get a more accurate idea of what your policy will cost you. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay about $15 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement in Miami Gardens.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The price for insurance coverage in Miami Gardens, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Miami Gardens with one accident will pay around $172 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $286 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$105|
|15 Years or Older||$142|
If you look at the first table above, the cheapest vehicles to insure in Miami Gardens are usually SUVs, at $145 per month.
Truck and van drivers will see rates of about $162, while the rates for car owners average out to about $155 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is about 5 years old. In Miami Gardens, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$153|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Miami Gardens is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$115|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $23 a month more than homeowners in Miami Gardens. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Miami Gardens, FL
Recent trends in car insurance for Miami Gardens drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Miami Gardens, the rates for car insurance rose from 2016-2017, before leveling out in 2018. Rates finished up in 2021, at $165 per month
How does Miami Gardens compare to neighboring areas?
Why are car insurance rates in Miami Gardens different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area laws
- Access to off-street parking
- Number of car accidents
- Regional crime rates
- Total number of drivers in the region
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Miami Gardens?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Miami Gardens.
Miami Gardens Insurance FAQs
What factors affect car insurance quotes in Miami Gardens?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Miami Gardens different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Miami Gardens?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Miami Gardens?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Miami Gardens or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.