Who Has Affordable Car Insurance for Drivers with a DUI in Miami?

I’m sure you’ve seen the captivating ads from insurers like GEICO, State Farm, and Nationwide guaranteeing big savings, so drivers should just choose any of them, right?

It’s just not that simple, as there are a ton of unknown elements such as if you have a lapse in coverage, what liability limits you need, and the crime level of your neighborhood, that all have an effect on the price. Car insurance is kind of a dry topic, but this article will explain some of these factors and will hopefully give you a good beginning to your quest for cheaper car insurance in Florida.

Establishing which companies quote the cheapest car insurance rates for drivers with a DUI will require a little more work than just quoting one company’s rates. Each auto insurance company uses a slightly different approach for filing rates in each state, so let’s take a look at the overall cheapest car insurance companies in Miami, FL.

Find Cheaper Car Insurance after a DUI

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Rankings for the cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $986
2 Electric $1,694
3 Amica $1,712
4 Progressive $1,847
5 Travelers $1,869
6 Mercury $1,933
7 Allied $1,945
8 Esurance $2,020
9 State Farm $2,068
10 GEICO $2,086
11 Auto-Owners $2,107
12 Allstate $2,317
13 21st Century $2,373
14 Windhaven Insurance $2,549
15 Safeco $2,927
16 Hanover $2,964
17 MetLife $2,988
18 Liberty Mutual $3,131
19 United Automobile $3,527
20 Direct General $4,022
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USAA may offer some of the cheapest car insurance rates in Miami at around $986 per year. Electric, Amica, Progressive, and Travelers also are some of the cheapest Miami, FL car insurance companies.

As illustrated above, if you are a policyholder with Electric and switched to USAA, you could realize yearly savings of about $708. Policyholders with Amica might save as much as $726 a year, and Progressive insureds might realize rate reductions of up to $861 a year.

Remember that these estimates are averages for all types of insureds and vehicles and do not factor in a vehicle location for drivers with a DUI. So the insurer that can offer the best rates for your situation may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own driver information and specific vehicle type.

The type of vehicle you are trying to insure is one of the largest considerations when comparing quotes for low-priced car insurance for drivers with a DUI. Vehicles with economical engines, good safety features, or a track record of few liability claims will cost less to insure than higher performance models.

The next table illustrates auto insurance rates for the cheapest vehicles to insure in Florida.

Cheapest Vehicles to Insure in Miami, FL
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 4WD $4,750
Ford Escape XLS 2WD $4,890
Honda Accord EX-L 4-Dr Sedan $5,050
Ford F-150 SVT Raptor Super Cab 4WD $5,081
Ford Focus SEL 4-Dr Sedan $5,167
Toyota Tacoma 4WD $5,206
Chevrolet Impala LTZ $5,260
Toyota Corolla S $5,265
Honda Odyssey EX-L $5,260
Hyundai Elantra SE Touring Station Wagon $5,323
Chevrolet Silverado LT Regular Cab 2WD $5,346
GMC Sierra SLE Regular Cab 4WD $5,354
Honda Civic Hybrid 4-Dr Sedan $5,361
Chevrolet Equinox LTZ 2WD $5,354
Nissan Altima Hybrid 4-Dr Sedan $5,359
Ford Edge SE 2WD $5,358
Toyota Prius $5,439
Dodge Grand Caravan Hero $5,506
Dodge Ram 2500 Crew Cab ST 2WD $5,712
Hyundai Sonata Limited 4-Dr Sedan $5,717
Toyota RAV4 Limited 2WD $5,790
Jeep Grand Cherokee Laredo 2WD $5,797
Toyota Camry SE $5,806
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Data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in vehicle garaging location which can affect coverage rates greatly.

Based upon the table data, makes and models like the Honda CR-V, Ford Escape, Honda Accord, Ford F-150, and Ford Focus are going to be the most budget-friendly vehicles to insure after getting a DUI. The price for car insurance will trend higher because of the fact that there is more risk for drivers with a DUI, but generally speaking those particular vehicles will most likely have the lowest prices compared to all other vehicles.

After getting a DUI, one of the largest considerations that determine the amount you pay each year for auto insurance is where you call home in Miami. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas that tend to be more rural tend to receive cheaper rates.

The information below rates the most costly cities in Florida for drivers with a DUI in which to buy car insurance. Miami makes the list at #2 with a yearly cost of $3,177 for coverage, which is around $265 each month.

How much does car insurance cost in Miami, FL?
Rank City Premium Per Year
1 Hialeah $3,630
2 Miami $3,177
3 Miami Gardens $3,149
4 Miami Beach $3,013
5 West Palm Beach $2,679
6 Miramar $2,629
7 Hollywood $2,604
8 Fort Lauderdale $2,576
9 Coral Springs $2,549
10 Pompano Beach $2,543
11 Tampa $2,532
12 Pembroke Pines $2,505
13 Davie $2,473
14 Brandon $2,322
15 St. Petersburg $2,196
16 Clearwater $2,194
17 Spring Hill $2,102
18 Orlando $2,069
19 Port St. Lucie $1,994
20 Jacksonville $1,960
21 Lakeland $1,883
22 Cape Coral $1,841
23 Palm Bay $1,786
24 Tallahassee $1,731
25 Gainesville $1,630
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Rate quotes are approximated as the specific geographic location can lower or raise price quotes greatly.

Price comparison of only insuring for liability

Reducing premiums for car insurance is important to the majority of drivers, and one great way to reduce the cost of insurance for drivers with a DUI is to buy liability only. The example below visualizes the comparison of insurance premiums with full physical damage coverage and with liability coverage only. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied.

If averaged for all ages, full coverage costs an extra $2,417 per year over and above liability only. At some point, almost every driver questions if you should buy full coverage at all. There is no exact formula of when to drop physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying over $600 annually to have full coverage, then you may want to consider only buying liability coverage.

Get discounts on Miami auto insurance rates

Discounts on car insurance for drivers with a DUICar insurance companies that offer cheap quotes for drivers with a DUI could also offer policy discounts that can reduce rates by 40% or more if you are eligible for them. The best car insurance companies and a partial list of their discounts include:

The example below visualizes the comparison of insurance premiums with and without some available policy discounts. The data is based on a male driver, no accidents and three citations, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, multiple vehicle, paid-in-full, anti-theft, multiple policy, and continuous coverage discounts applied. When these discounts are applied, the average savings per year on car insurance for drivers with a DUI is 28% or $725.

Insurance rate increases from tickets or accidents

In a perfect world, the best way to obtain good car insurance prices in Miami after getting a DUI is to drive safely and avoid accidents and keep your driving record clean. The illustration below illustrates how speeding tickets and at-fault fender-benders drive up premium costs for different age groups. The data assumes a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

The data above shows the average cost of car insurance in Florida per year with no accidents or violations is $2,656. Receive one speeding ticket and the average cost swells to $2,989, an increase of $333 each year. Then throw in one accident along with the one speeding ticket and the annual cost of car insurance for drivers with a DUI jumps again to an average of $3,939. That’s an increase of $1,283, or $107 per month, just for a couple of infractions!

Who has the cheapest Miami car insurance?

Miami, FL car insurance rates are influenced by many factors that can increase the price of your policy. Turning one year older, becoming a homeowner, or having an at-fault accident may cause policy rate changes that can now make some companies more affordable than before. In addition to those changes, car insurance companies change premium rates every year in order to maintain liquidity for claims. Higher than normal claim frequency or severity may result in rate increases, while less frequent claims may produce lower-priced Miami car insurance rates.

For example, the data below shows which companies have the cheapest car insurance in Miami, FL for a 40-year-old male driver with a clear driving record, no claims, and great credit. If we look at prices based on his current risk factors, USAA quotes the best car insurance rates in Miami at $1,903 a year. This is $545 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also on the list of the cheapest Miami, FL auto insurance companies.

In this next rate comparison, we will give the driver from the first rate comparison a claim or two, slightly worse credit, and a blemish on his driving record. Because each insurer has a different formula to determining premium rates, comparing prices will most likely result in a different ranking of the cheapest companies as shown below.

USAA now has the best price in Miami, FL with Allied, Esurance, State Farm, and GEICO also being competitive. This illustrates why Florida drivers need to compare lots of rates to get affordable auto insurance rates for drivers with a DUI.

Insurance prices can be determined by many factors and change substantially, so the best price the last time you shopped your coverage around may now be an over-priced policy.