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How much is car insurance in Miami Gardens?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $76 a month more expensive to insure your vehicle in Miami Gardens than it is in the rest of Florida.
Drivers relocating the Miami Gardens should take note of the differences in average rates. It's about $119 more expensive than the national average to insure your vehicle in Miami Gardens.
Keep in mind that while these are the average car insurance rates for Miami Gardens, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Miami Gardens to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Miami Gardens Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may begin to go back up in Miami Gardens.
Miami Gardens Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Miami Gardens, where female drivers pay around $8 more per month.
Miami Gardens Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Miami Gardens, a driving record with one accident will usually get you a rate around $227 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $210.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Miami Gardens Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$105|
|15 Years or Older||$205|
In Miami Gardens, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $162 per month for insurance.
Car owners will see a monthly bill of about $207, while SUV owners by and large pay around $180 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Miami Gardens, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Miami Gardens Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$202|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Miami Gardens as well, where the difference is around $28 a month.
Miami Gardens Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$115|
Another factor that comes into play is your living accommodations. Those who own their own home in Miami Gardens can expect to pay around $54 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Miami Gardens, FL
Recent trends in car insurance for Miami Gardens drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for car insurance in Miami Gardens had been decreasing from 2017-2018, but leveled out in 2021. Rates have been increasing since then, and recently reached a high of $264 per month in 2022.
How does Miami Gardens compare to neighboring areas?
Why are car insurance rates in Miami Gardens different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Local regulations
- Availability of off-street parking
- Amount of drivers in the community
- Local crime rates
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making 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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Miami Gardens.
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Miami Gardens Auto Insurance FAQs
What factors affect car insurance quotes in Miami Gardens?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Miami Gardens different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Miami Gardens?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Miami Gardens?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Miami Gardens or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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