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Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

Car Insurance in Miami (33111), Florida

Compare auto insurance rates in Miami, FL (zipcode: 33111), and buy the cheapest insurance policy.

Full coverage car insurance costs an average of $1,845 per year in Miami (zip code: 33111), which is $154 per month
Car Insurance Rates by Company rates are valid for July 2024
Understanding Car Insurance Costs in Miami: On average, drivers in 33111 pay $1,845 annually. Your age, credit score, and vehicle choice play a big role in this cost. For lower rates, compare quotes from various insurance companies in the area.
In the best-case scenario, savvy shopping could secure rates as low as $923. However, factors like a poor driving record or credit score might push your rates up to $2,952.
The average car insurance in Miami (area 33111) is $1,107 with Allstate. Allstate in Miami offers a variety of car insurance coverage options to meet the needs of drivers. From collision and comprehensive coverage to liability and uninsured motorist protection, Allstate offers customizable plans so customers can select the right level of protection for their vehicles. Additionally, Allstate in Miami provides discounts for policyholders who take proactive steps to protect their cars and keep their driving records clean. Low-mileage drivers, safe drivers, and those with multiple vehicles or policies may be eligible for special discounts that can lower their car insurance premiums (under optimal conditions, rates can be as low as $554). With Allstate in this location, customers have access to a dedicated team of experts who can help determine the right coverage levels and discounts applicable to them.
* Average rates from Allstate include both full coverage policies and the lowest possible rates in 33111, Miami. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Allstate insurance cost *
33111, Miami$1,107 Your Rates? Get Quotes
Good Driver$775 Your Rates? Get Quotes
Teen Drivers$1,993 Your Rates? Get Quotes
Senior Drivers$886 Your Rates? Get Quotes
The average car insurance in Miami (area 33111) is $1,292 with Farmers. Choosing car insurance from Farmers in Miami has several advantages. Farmers offers competitive rates, an array of discounts and incentives (good driver's rates can be as low as $646), and dedicated customer service to make sure your needs are met. With Farmers, you can tailor your coverage to fit your individual needs, ensuring that you receive the right protection for your vehicle at the most affordable rate. Additionally, Farmers in Miami offers accident forgiveness, allowing you to avoid rate increases if you make an honest mistake. As a bonus, when your vehicle is more than six years old, Farmers can provide coverage for the replacement cost of your car instead of its actual cash value.
* Average rates from Farmers include both full coverage policies and the lowest possible rates in 33111, Miami. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Farmers insurance cost *
33111, Miami$1,292 Your Rates? Get Quotes
Good Driver$904 Your Rates? Get Quotes
Teen Drivers$2,326 Your Rates? Get Quotes
Senior Drivers$1,034 Your Rates? Get Quotes
The average car insurance in Miami (area 33111) is $1,384 with GEICO. Choosing car insurance from GEICO in Miami has many advantages. GEICO provides customers with competitive rates (ideally, the rates can be as low as $692), customizable policy options, and a variety of discounts and incentives. With flexible coverage plans, customers can choose the right level of protection to best suit their needs while still receiving great value for money on their policy. GEICO also offers a range of online tools, including a virtual assistant and 24/7 customer service to help answer questions and make sure you get the most out of your policy. Furthermore, GEICO in Miami offers customers a variety of discounts for safe drivers, low mileage drivers, and those with multiple vehicles or policies.
* Average rates from GEICO include both full coverage policies and the lowest possible rates in 33111, Miami. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
GEICO insurance cost *
33111, Miami$1,384 Your Rates? Get Quotes
Good Driver$969 Your Rates? Get Quotes
Teen Drivers$2,491 Your Rates? Get Quotes
Senior Drivers$1,107 Your Rates? Get Quotes
The average car insurance in Miami (area 33111) is $1,476 with Liberty Mutual. Choosing car insurance from Liberty Mutual in Miami has many advantages. Liberty Mutual offers competitive rates (rates can drop to $738) and customizable coverage plans so customers can select the right level of protection for their vehicles at a price that fits their budget. Additionally, Liberty Mutual in Miami provides numerous discounts and incentives to help policyholders save even more. Low-mileage drivers, those with multiple vehicles, and those who bundle their policies can all receive special discounts to lower their car insurance premiums. Liberty Mutual also offers a variety of online tools, including an accident forgiveness program, so customers can protect themselves from rate increases in the event of an honest mistake.
* Average rates from Liberty Mutual include both full coverage policies and the lowest possible rates in 33111, Miami. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Liberty Mutual insurance cost *
33111, Miami$1,476 Your Rates? Get Quotes
Good Driver$1,033 Your Rates? Get Quotes
Teen Drivers$2,657 Your Rates? Get Quotes
Senior Drivers$1,181 Your Rates? Get Quotes
The average car insurance in Miami (area 33111) is $1,568 with Nationwide. Nationwide in Miami offers car insurance that is tailored to the needs of drivers. In most situations, Nationwide customers can get competitive rates and customizable coverage plans so they can select the right level of protection for their vehicles and budget. Additionally, Nationwide provides numerous discounts and incentives to help policyholders save more on their car insurance premiums (in the best scenarios, Nationwide rates can be as low as $784). Drivers who have a low amount of miles traveled, those with multiple cars in their household, and people that bundle all of their policies together are eligible for special discounts. Nationwide provides its customers with a variety of web-based tools and 24/7 customer service to make sure they can gain the utmost value from their insurance policy. Plus, with the accident forgiveness program, customers can protect themselves from rate increases in the event of a honest mistake. All these factors make Nationwide in Miami a good choice for car insurance.
* Average rates from Nationwide include both full coverage policies and the lowest possible rates in 33111, Miami. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Nationwide insurance cost *
33111, Miami$1,568 Your Rates? Get Quotes
Good Driver$1,098 Your Rates? Get Quotes
Teen Drivers$2,822 Your Rates? Get Quotes
Senior Drivers$1,254 Your Rates? Get Quotes
The average car insurance in Miami (area 33111) is $1,661 with Progressive. Deciding to select car insurance from Progressive in Miami brings with it a host of benefits. Progressive offers competitive rates for customers of all ages, so you can find a policy that fits your budget. Additionally, Progressive provides a variety of discounts to help reduce your premiums. Drivers who put less mileage on their vehicle, insure more than one car, and bundle policies are all eligible for exclusive savings (rates for good drivers with great credit score can drop to $831). Progressive allows customers to safeguard themselves against rate increases due to an unanticipated misstep with the innovative accident forgiveness program, along with various online tools. What's more, Progressive offers 24/7 customer support to ensure your requirements are satisfied and that you gain the maximum benefits from your policy.
* Average rates from Progressive include both full coverage policies and the lowest possible rates in 33111, Miami. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Progressive insurance cost *
33111, Miami$1,661 Your Rates? Get Quotes
Good Driver$1,163 Your Rates? Get Quotes
Teen Drivers$2,990 Your Rates? Get Quotes
Senior Drivers$1,329 Your Rates? Get Quotes
The average car insurance in Miami (area 33111) is $1,753 with State Farm. Car insurance from State Farm in Miami has plenty of advantages for drivers of all ages. State Farm offers competitive rates (even lower than $877) that can be tailored to the individual needs and budgets of customers, including those with family vehicles or multiple cars. Furthermore, State Farm offers a variety of discounts and rewards that allow policyholders to maximize their savings on car insurance premiums. If you're a low-mileage driver, have multiple vehicles or bundle your policies together - good news! You can receive special discounts. State Farm is renowned for its 24/7 customer service and claims services, in addition to providing various online tools, such as an accident forgiveness program. This way you have the assurance that any rate increases due to honest mistakes can be avoided.
* Average rates from State Farm include both full coverage policies and the lowest possible rates in 33111, Miami. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
State Farm insurance cost *
33111, Miami$1,753 Your Rates? Get Quotes
Good Driver$1,227 Your Rates? Get Quotes
Teen Drivers$3,155 Your Rates? Get Quotes
Senior Drivers$1,402 Your Rates? Get Quotes
We are not sure, how much is the average car insurance in Miami by the Zebra comparison site. The Zebra car insurance comparison site is a great resource to help you find the right car insurance policy for your needs in Miami. With The Zebra, you can compare different types of policies and compare them side-by-side so you can make an informed decision about which company to choose. You will be able to see the discounts and incentives offered by each carrier, as well as the customer service ratings and financial strength of each company. The Zebra also offers helpful resources such as an accident forgiveness program, so customers can protect themselves from rate increases in the event of an honest mistake. With all this information available in one place, you can easily find the perfect car insurance policy for your needs and budget.
The average car insurance in Miami (area 33111) is $2,030 with USAA. USAA car insurance offers a variety of coverage plans and competitive rates to meet the needs of drivers in Miami. The company offers low-mileage discounts, multiple vehicle discounts, and bundle discounts to help policyholders save on their premiums (safe driver can get rates as low as $1,015).USAA uses online tools like their accident forgiveness program to keep customer rates from increasing in the event of a mistake. This offers customers peace of mind knowing they can make an honest error without incurring higher premiums or fees. Plus, USAA offers a high level of customer service and is available 24/7 to answer any questions customers may have about their policy. In conclusion, there are many different car insurance companies offering competitive rates and discounts in Miami.
* Average rates from USAA include both full coverage policies and the lowest possible rates in 33111, Miami. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
USAA insurance cost *
33111, Miami$2,030 Your Rates? Get Quotes
Good Driver$1,421 Your Rates? Get Quotes
Teen Drivers$3,654 Your Rates? Get Quotes
Senior Drivers$1,624 Your Rates? Get Quotes
minimum full coverage premiumaverage full coverage premium
Miami$1,100 $1,845 Your Rates? Get Quotes
Florida$1,100 Limits $2,044 Your Rates? Get Quotes
Teen Drivers$1,430 Rates by Age $3,321 Your Rates? Get Quotes

Table of contents

Car Insurance Premiums by Company - 33111, Miami

Which insurer offers the most advantageous annual car insurance in the area with the postal code 33111?

While you're shopping around for the most affordable car insurance in Miami (33111), rest assured that you will undoubtedly get only the highest quality coverage with our list of top-rated auto insurers for 2023. If you are thinking of getting car insurance in this area, it is good to know that the typical yearly cost is around $1,845, amounting to an estimated $154 monthly Your age, driving record, and creditworthiness all heavily influence the rates of individual insurance providers... Due to the fact that there is no offer from ERIE in this location, you can try other regional insurers, or take a look at offers from Allstate ($1,107 on average for an annual policy), GEICO ($1,384 yearly) and others (see table below). If you're a responsible driver over 25 years old, look for the "lowest rates" column instead of the "average rates", and reap the benefits of lower prices. Autoowners is another local auto insurance provider with average annual policy rates around $941. Auto-Owners also offers one of the cheapest liability-only car insurance in 33111, Miami at $47 per month.
While these rates offer a helpful guide, the true cost of car insurance in 33111, Miami is determined by several pertinent factors - including your age and driving record, credit score rating, vehicle type and marital status. All such factors will influence the final price you end up paying for coverage. Our service remains impartial and independent to guarantee that our calculations of car insurance rates are accurate. We do not collaborate with any single company, nor receive commissions from them. Plus, we can ensure you the best deals possible without compromising on quality as we compare quotes from many different companies.
Insurance CompanyLowest RatesAverage Rates
ERIE

Erie does not offer auto insurance in Miami.

$609Not available in Florida
Auto-Owners

Auto-Owners has competitive rates in Florida.

$565$941 Get Quotes Agents Call
Allstate

Allstate can meet its financial and claims obligations easily.

$664$1,107 Get Quotes Agents Call
American Family

Quality coverage, competitive rates from an industry leader.

$664Not available in Florida
Farmers

Great coverage options backed by a knowledgeable, professional team.

$775$1,292 Get Quotes Agents Call
GEICO

Wide range of coverage, competitive rates, an experienced customer service.

$830$1,384 Get Quotes Agents Call
Liberty Mutual

Usage-based car insurance programs, competitive rates

$886$1,476 Get Quotes Agents Call
Nationwide

Very cheap car insurance rates when adding a teen driver to a policy.

$941$1,568 Get Quotes Agents Call
Progressive

Smart choice for high-risk drivers.

$997$1,661 Get Quotes Agents Call
State Farm

Good discount opportunities for students and teens.

$1,052$1,753 Get Quotes Agents Call
Travelers

Below-average insurance rates, well-rated for claims handling.

$1,162$1,937 Get Quotes Agents Call
USAA

High customer satisfaction scores.

$1,218$2,030 Get Quotes Agents Call

Car Insurance Rates by Age & Gender

How your age affects car insurance costs in your area?

On average, people living in the 33111 ZIP code area of Miami City can expect to pay $1,845 per year for comprehensive auto insurance. The table below shows how the age of a driver affects their rates. As you can see, 16-year-olds pay more than $4,797 for auto insurance in this location, which is by far the highest rate. With age, the price of the policy decreases, and seniors over 60 years of age with a good driving history will pay the least. Although gender plays a role in pricing policy, the age of the driver is a factor that has a much greater impact on the price of your car insurance. So the question is, how does age and gender affect car insurance rates in 33111, Miami?
Finding the right auto insurance for your age and gender near 33111, Miami can be a tricky process that requires research. Make sure to consider important factors such as coverage needs, deductible options, discounts or loyalty programs available, and customer service ratings of the company you choose. Crucially - especially for younger drivers - make sure to shop around different insurers in order get the best rate possible!
TeenagersFemaleMale
16 years old$4,613$4,871
17 years old$4,520$4,760
18 years old$4,446$4,631
19 years old$4,244$4,410
AdultsFemaleMale
20 years old$2,860$2,989
21 years old$2,694$2,804
22 years old$2,528$2,583
23 years old$2,380$2,417
24 years old$2,214$2,288
25 years old$1,753$2,030
30 years old$1,661$1,771
35 years old$1,587$1,642
40 years old$1,476$1,550
45 years old$1,458$1,494
50 years old$1,421$1,439
55 years old$1,328$1,384
SeniorsFemaleMale
60 years old$1,310$1,421
65 years old$1,273$1,347
70 years old$1,494$1,550
75 years old$1,679$1,734

Minimum coverage limits in Miami (33111)

Auto insurance requirements & coverage limits in Miami, Florida

In most states, car insurance companies are required to provide minimum liability coverage. This means that you must purchase certain limits of liability coverage in order to legally drive a vehicle. These limits include bodily injury and property damage liabilities which help cover costs if you are involved in an accident that causes damage or injury to another person or their property. In Florida, for example, the minimum required liability coverage is 10/20/10 which means that you must purchase at least $10,000 per person, up to a total of $20,000 per accident and $10,000 in property damage. It’s important to understand your state’s minimum limits so that you can be sure to purchase adequate coverage. Additionally, it is important to consider purchasing additional insurance that would cover your vehicle in the event of a collision or other accident. This may include comprehensive and collision coverage which provide protection for you and your car if an accident occurs.
Minimum coverage limits are the legal requirements set by each state for how much insurance coverage you must purchase. These minimums may include Bodily Injury Liability, Property Damage Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.
Coverage TypeMinimum Coverage Amounts
Bodily injury liability per person in Miami (33111)$10,000
Bodily injury liability per accident in Miami (33111)$20,000
Property damage liability per accident in Miami (33111)$10,000
We do not have information about the education of people in this location. Information will be added...

What Affects Auto Insurance Rates in Miami, FL?

Compare auto insurance rates in 33111, Miami, FL and buy the cheapest insurance policy.

We do not have enough data for this area (ZIP code: 33111, County FIPS 12086), at least as far as car insurance prices are concerned due to population density and the entire road network. Given the low housing density in Miami and the overall road and motorway network, there is a chance that most people in the area will be able to obtain a discount on car insurance and get rates lower than $123 monthly. To find out more about what affects auto insurance rates at Florida, Miami (FL), you can view the tables below or inquire about the best car insurance quotes through our form. Although we do not have enough current data to provide fully accurate estimates of car insurance prices in the 33111 area of Miami, we can make an estimate of insurance rates by comparing neighboring locations in Miami-Dade county and municipalities belonging to FIPS: 12086.
Geography directly impacts the cost of automobile insurance, with those living in more dangerous locales such as urban areas where vandalism and theft are rampant or regions known for their high accident rates incurring higher premiums than drivers located in rural townships and safe neighborhoods.
What can indirectly affect your insurance rates?ValuesRates in Miami (33111)
Population

Lower population in the area, expect lower rates.

peopleHigher Rates
Density

Population density is low, car insurance rates are falling.

/km2Lower Rates
Median household income

Rough estimate of median household income in Miami

UnknownUnknown Rates

Guide to discount car insurance in Miami

Enjoy remarkable discounts with policy extension, driver behavior, vehicle-based and driver characteristic savings, just to name a few!

College students from Miami may be eligible for discounted car insurance premiums priced around $1,661. To qualify, you usually need to meet certain criteria such as being a full-time student and maintaining good grades. To qualify for senior auto insurance discount in Miami, you usually need to meet certain criteria such as being of a specified age, having several years of driving experience and maintaining a clean driving record (discounted rates: $1,716). Some car insurance companies offer discounts for military members; active members of the armed forces or a veterans. Additionally, some insurers offer discounts if the primary driver is in the military. The final price can then drop to $1,624. It doesn't end there, by bundling your policy you can reach the amount of $1,476, paying upfront can get you to $1,384, being a good driver will help you to rates around $1,107 and if you have a "safe" and "inexpensive" car from the perspective of the insurance company, you can achieve a rate of $1,328.
Type of discountIn PercentAverage Savings
Student discounts

All auto insurance discounts related to students %

10%$1,661 Your Discount?
Senior discounts

All auto insurance discounts related to students %

7%$1,716 Your Discount?
Military discounts

All auto insurance discounts related to students %

12%$1,624 Your Discount?
Good driver discounts

Good drivers can save anywhere from 7% to 25% on their premiums

7% - 25%$1,015 Your Discount?
Loyalty-based discount

Enjoy savings on your policy by paying for the entire term upfront!

5% - 15%$1,384 Your Discount?
Multi-car discounts

Maximize your savings by bundling multiple vehicle policies.

Up to 30%$1,181 Your Discount?

FAQ & Answers

related to car insurance in Miami, zip code: 33111, FL?

Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

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