North Miami Beach, FL Car Insurance

What rates should residents of North Miami Beach expect to pay for their car insurance? How do rates in North Miami Beach measure up compared to neighboring areas, including Florida as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in North Miami Beach?

Compared to the rest of the Florida, coverage in North Miami Beach is about $9 a month cheaper.

Compared to the national average cost of auto coverage, North Miami Beach has higher rates. The average monthly payment for the rest of the U.S. is about is about $33 cheaper than it is in North Miami Beach.

Keep in mind that these are the average auto insurance rates for North Miami Beach, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for North Miami Beach 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!

Average Car Insurance Rates by Age

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in North Miami Beach may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Although female drivers pay, on average, less than male drivers to insure their car, North Miami Beach actually goes against the grain. While female drivers pay $123 a month for car insurance coverage, males only pay about $107.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In North Miami Beach, a driving record with one accident will usually get you a rate around $153 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $112.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in North Miami Beach are typically SUVs, with each type typically costing about $98 per month.

Truck and van drivers will see rates of about $132, while the rates for car owners average out to about $117 per month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in North Miami Beach are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Overall, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. North Miami Beach is no exception, with the difference totaling to around $14 a month.

Average Car Insurance Rates by Housing Situation

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $20 a month more than if you own your own home in North Miami Beach. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in North Miami Beach, FL

Recent trends in car insurance for North Miami Beach 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 North Miami Beach, the rates for auto insurance dropped from 2017-2020, before leveling out in 2021. Rates finished down in 2022, at $115 a month

How does North Miami Beach compare to neighboring areas?

Why are car insurance rates in North Miami Beach different from other areas?

Car insurance companies will take into account a lot of factors when deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

• Amount of off-street parking
• Road Safety (total number of local car accidents)
• Amount of drivers in the community
• Crime rates
• Local regulations

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in North Miami Beach?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in North Miami Beach.

North Miami Beach Insurance FAQs

What factors affect car insurance quotes in North Miami Beach?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.

Why is the cost of car insurance in North Miami Beach different from other neighboring cities?

Crime rates, local laws, and parking situations -- 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 North Miami Beach?

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 North Miami Beach?

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?

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 North Miami Beach 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.