Who Has Affordable Auto Insurance for Active Military in Miami?

The vehicle model requiring coverage is one of the largest considerations when looking for the lowest-priced auto insurance for active military. Vehicles with average performance, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than high performance models. The next list features car insurance prices for a handful of the cheaper automobiles to insure.

Cheapest Vehicles to Insure in Miami, FL
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,307
Ford Escape XLS 4WD $2,511
Ford Explorer XLT AWD $2,581
Chevrolet Impala LS $2,674
Toyota RAV4 Sport 4WD $2,726
Volkswagen Jetta LE 4-Dr Sedan $2,733
Honda Odyssey LX $2,756
Hyundai Elantra SE Touring Station Wagon $2,819
Toyota Camry XLE $2,867
Toyota Corolla LE $2,877
Nissan Altima 2.5 S 4-Dr Sedan $2,867
Ford F-150 XL Crew Cab 2WD $2,885
Jeep Wrangler Rubicon 4WD 2-Dr $2,893
Toyota Prius $2,889
Ford Focus S 4-Dr Sedan $2,911
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific location which can lower or raise price quotes substantially.

Looking at the rates, you can presume that vehicles like the Honda CR-V, Ford Escape, Ford Explorer, and Chevrolet Impala will be some of the more affordable vehicles to insure for military personnel.

For military personnel, one of the largest things that aid in calculating auto insurance rates is where you keep your car. Areas with increased crime or more people will most likely pay more, whereas areas with less congestion have the benefit of cheaper car insurance.

The following table rates the most expensive areas in Florida for active military to purchase a policy in. Miami comes in at #2 costing $3,273 for the average insured, which is approximately $273 per month.

Car insurance prices in Miami
Rank City Average Per Year
1 Hialeah $3,488
2 Miami $3,273
3 Miami Gardens $3,181
4 Miami Beach $2,923
5 West Palm Beach $2,705
6 Tampa $2,636
7 Hollywood $2,630
8 Miramar $2,603
9 Fort Lauderdale $2,576
10 Pompano Beach $2,518
11 Coral Springs $2,474
12 Davie $2,473
13 Pembroke Pines $2,407
14 Brandon $2,368
15 Clearwater $2,260
16 St. Petersburg $2,196
17 Spring Hill $2,102
18 Orlando $2,029
19 Port St. Lucie $1,975
20 Jacksonville $1,960
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Prices are comparative as specific Miami garaging address can lower or raise prices noticeably.

Locating budget car insurance is not always easy, and figuring out which companies have the best auto insurance rates for active military may require a bit more work. Every auto insurer has a proprietary formula for setting prices, so first we will examine the auto insurance companies with the overall cheapest rates in Miami, FL.

Best Insurance Companies for Military

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Cheapest auto insurance in Florida ranked by cost per year
Rank Company Cost Per Year
1 USAA $986
2 Amica $1,694
3 Electric $1,746
4 Progressive $1,793
5 Travelers $1,869
6 Mercury $1,933
7 Allied $1,985
8 Esurance $2,020
9 State Farm $2,047
10 GEICO $2,108
11 Auto-Owners $2,171
12 Allstate $2,317
13 21st Century $2,445
14 Windhaven Insurance $2,653
15 Safeco $2,898
16 MetLife $2,988
17 Hanover $3,024
18 Liberty Mutual $3,039
19 United Automobile $3,457
20 Direct General $4,022
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USAA may have some of the best car insurance rates in Miami at around $986 annually. Amica, Electric, Progressive, and Travelers would also be considered some of the cheaper Miami, FL auto insurance companies.

As shown in the table above, if you currently have coverage with Progressive and switched to USAA, you might see an annual savings of roughly $807. Policyholders with Travelers might save as much as $883 a year, and Mercury policyholders might lower prices by up to $947 a year.

To discover how much you can save, click here to start your custom quote or click through to the companies below.

Be aware that those rates are averaged for all drivers and vehicles in Florida and and are not calculated with an exact zip code location for active military. So the company that is most affordable for your situation may not even be in the top 21 companies in the list above. That point stresses why you need to get quotes using your own individual information.

Choosing a good quality auto insurance company can be a challenge considering how many companies there are in Florida. The company information shown next can help you pick which car insurance companies you want to consider shopping your coverage with.

The rankings below are only comprised of companies that write coverage in many states, so companies without a large exposure are not factored into this list. To view rates from these companies and more, just click here.

Top 10 Large Car Insurance Companies in Miami Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Large Car Insurance Companies in Miami Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Price comparison of only insuring for liability

Lowering the price of auto insurance should be important to most drivers, and an easy way to reduce the cost of insurance for active military is to only buy liability insurance. The information below shows the comparison of insurance premiums with and without physical damage coverage. The information is based on no claims or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.

Averaged for all age groups, physical damage coverage on your policy costs an extra $2,922 per year over and above liability coverage. A very common question is if buying full coverage is worth the expense. There is no set rule for excluding full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after you pay the deductible. If you are currently paying more than $800 a year to have full coverage, then it might be time to buy liability only.

There are some conditions where dropping full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Drive safe and save

A great way to snag the best auto insurance premiums in Florida for military personnel is to drive carefully and avoid accidents and traffic citations. The example below shows how traffic citations and fender-benders can affect auto insurance costs for each age group. The prices are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.

In the example above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,531. Get written up for two speeding tickets and the average cost surges to $3,389, an increase of $858 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for active military increases to an average of $6,721. That’s an increase of $4,189, or $349 per month, just for not keeping your driving record clean!