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How much is car insurance in North Miami Beach?
|Area||Average Monthly Car Insurance Premium|
|North Miami Beach||$114|
As you can see in the chart above, it is around $9 a month cheaper to insure your vehicle in North Miami Beach than it is in the rest of Florida.
Drivers relocating the North Miami Beach should take note of the differences in average rates. Coverage in North Miami Beach is about $34 more expensive than it is for the rest of the U.S.
While these are the average costs to insure your vehicle in North Miami Beach, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. 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.
Don't sweat it however, we've broken down average rates for North Miami Beach residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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North Miami Beach Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement in North Miami Beach.
North Miami Beach Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in North Miami Beach, where female drivers pay around $123 per month while male drivers pay about $107.
North Miami Beach Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In North Miami Beach, a driving record with one accident will usually get you a rate around $153 a month. In addition, drivers with a single ticket on their record can expect to pay around $112 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
North Miami Beach Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$115|
If you look at the first table above, the cheapest vehicles to insure in North Miami Beach are usually SUVs, at $98 per month.
Car owners will see rates of about $117, while truck and van owners typically pay around $132 a month.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In North Miami Beach, vehicles eight-to-ten years old are the most expensive to insure.
North Miami Beach Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in North Miami Beach can be as much as $14 a month, so it's worth taking into consideration.
North Miami Beach Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$178|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in North Miami Beach, expect to pay around $20 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in North Miami Beach, FL
Recent trends in car insurance for North Miami Beach drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In North Miami Beach, the rates for car insurance dropped from 2017-2020, before leveling out in 2021. Policy premiums finished down in 2022, at $115 per 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 number of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Regional crime rates
- Road Safety (total number of local car accidents)
- Number of drivers in the area
- Off-street parking accessibility
- Regional 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. 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 North Miami Beach?
While knowing 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.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in North Miami Beach.
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North Miami Beach Auto Insurance FAQs
What factors affect car insurance quotes in North Miami Beach?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 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.
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