Miami Gardens, FL Car Insurance

The average monthly cost for car insurance in Miami Gardens is about $195. For information on policy rates, coverage, and more check out our guide below.
What can Miami Gardens residents expect to pay for their car insurance? How does Miami Gardens compare to the surrounding area and the rest of Florida? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Miami Gardens?

Area Average Monthly Car Insurance Premium
Miami Gardens$195
FL$123
United States$81

As you can see, car insurance policies across the rest of Florida are about $72 a month cheaper than the rates drivers pay in Miami Gardens.

Similarly, the expected monthly payments for an auto insurance policy in Miami Gardens are above the national average. The average monthly payment in Miami Gardens is about $114 more expensive than the rate for the rest of the U.S.

Keep in mind that these are the average auto insurance rates for Miami Gardens, and that the rate you get could end up being 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. 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.

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. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$231
25-34$182
35-44$204
45-54$186
55-64$136
65+$178

Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Miami Gardens may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$191
Female$199

Although female drivers pay, on average, less than male drivers for insurance coverage, Miami Gardens actually defies this trend. While female drivers pay $199 a month for auto insurance coverage, males only pay about $191.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$227
Multiple AccidentsNot Enough Data
1 Ticket$199
Multiple Tickets$774

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Miami Gardens with a single accident on their record will usually see rates around $227 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $199.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$105
2-3 Years$154
4-5 Years$194
6-7 Years$189
8-10 Years$226
11-14 Years$185
15 Years or Older$193

If you look at the first table above, the cheapest vehicles to insure in Miami Gardens are typically trucks and vans, at $162 per month.

Car owners, on the other hand, by and large pay around $203 per month, while SUV drivers can expect to pay about $180 a month for insurance coverage.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Miami Gardens are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$198
Married$164
Divorced$147

On average, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

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 $34 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$160
Rent$210
Live with parents$115

Another factor taken into consideration is your living situation. Renters can expect to pay around $50 a month more than drivers who own property in Miami Gardens. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Miami Gardens, FL

Recent trends in car insurance for Miami Gardens drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Miami Gardens, car insurance rates decreased from 2017-2018, before leveling out in 2019. Rates finished down in 2022, at $250 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 look at many factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Off-street parking access
  • Road Safety (frequency of car accidents)
  • Crime levels
  • Regional laws
  • Total amount of drivers in the area

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

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 hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Miami Gardens.

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Miami Gardens 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 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?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Miami Gardens or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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