What Auto Insurance is Cheapest for Safe Drivers in Miami?

The type of vehicle driven is a significant factor in finding economical coverage for safe drivers. Vehicles with higher performance, poor safety features, or a history of substantial liability claims will cost significantly more to insure than more modest models.

The list below presents coverage costs for some of the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Miami, FL
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 4WD $2,656
Ford Escape Limited 4WD $2,815
Ford Explorer XLT AWD $2,911
Jeep Wrangler Sahara 4WD 2-Dr $2,919
Toyota RAV4 4WD $3,070
Chevrolet Malibu LS $3,076
Honda Accord EX-L 4-Dr Sedan $3,229
Ford Edge SE 2WD $3,233
Ford F-150 XL Regular Cab 4WD $3,297
Toyota Prius $3,309
Dodge Ram Crew Cab ST 4WD $3,356
Toyota Tacoma 2WD $3,424
Dodge Grand Caravan Hero $3,488
Jeep Grand Cherokee Laredo 4WD $3,495
Volkswagen Jetta 2.0T Station Wagon $3,496
Ford F-250 XL Cabela Package 2WD $3,515
Toyota Camry Hybrid $3,521
Dodge Ram 2500 Crew Cab ST 4WD $3,579
Honda Civic EX 4-Dr Sedan $3,607
Nissan Altima 2.5 S 4-Dr Sedan $3,674
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can alter rates substantially.

Based upon the rates shown, you can infer that makes and models like the Honda CR-V, Ford Escape, and Ford Explorer should be a few of the less-costly vehicles to insure for good drivers.

One of the more important things that are looked at to determine the amount you pay for auto insurance is where you choose to live. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The next table lists the most costly cities in Florida for safe drivers to buy car insurance in. Miami is listed at #2 costing $3,273 for the average insured, which is around $273 each month.

How much does car insurance cost in Miami, FL?
Rank City Annual Premium
1 Hialeah $3,488
2 Miami $3,273
3 Miami Gardens $3,149
4 Miami Beach $2,923
5 West Palm Beach $2,705
6 Miramar $2,683
7 Hollywood $2,630
8 Tampa $2,558
9 Pompano Beach $2,543
10 Davie $2,523
11 Fort Lauderdale $2,500
12 Coral Springs $2,499
13 Pembroke Pines $2,431
14 Brandon $2,322
15 St. Petersburg $2,196
16 Clearwater $2,194
17 Spring Hill $2,123
18 Orlando $2,069
19 Jacksonville $2,040
20 Port St. Lucie $1,975
21 Lakeland $1,901
22 Cape Coral $1,841
23 Tallahassee $1,801
24 Palm Bay $1,733
25 Gainesville $1,680
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Rate information is comparative as the specific geographic location can revise prices greatly.

Finding reliable, affordable car insurance is not the easiest thing to accomplish, and determining which company quotes the cheapest auto insurance rates for safe drivers requires even more work. Each auto insurer uses their own calculation for determining rates in each state, so first we will examine the auto insurance companies with the most affordable rates in Miami, FL.

Best Cheap Insurance Rates for Safe Drivers

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Cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $986
2 Electric $1,694
3 Amica $1,746
4 Progressive $1,775
5 Travelers $1,926
6 Mercury $1,933
7 Allied $1,985
8 Auto-Owners $2,085
9 Esurance $2,102
10 State Farm $2,110
11 GEICO $2,172
12 Allstate $2,317
13 21st Century $2,397
14 Windhaven Insurance $2,627
15 MetLife $2,900
16 Hanover $2,964
17 Safeco $2,987
18 Liberty Mutual $3,039
19 United Automobile $3,422
20 Infinity $4,045
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USAA quotes some of the most affordable car insurance rates in Miami at around $986 a year. Electric, Amica, Progressive, and Travelers also make the cut as some of the more affordable Miami, FL auto insurance companies.

In the above rates, if you are currently insured with Progressive and switched to USAA, you could realize yearly savings of roughly $789. Insureds with Travelers could save as much as $940 a year, and Mercury policyholders might cut rates by $947 a year.

To compare your rates to other Florida insurance companies, click here to start your free quote or visit several of the following companies.

Be aware that those policy prices are averages for all insureds and vehicles and and are not figured with a vehicle location for safe drivers. So the insurer that has the lowest price for you may not even be in the top 21 companies shown above. That points out the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.

The example below shows how choosing a deductible can impact insurance costs when trying to find cheap insurance for safe drivers. The premiums are based on a single female driver, full coverage, and no additional discounts are factored in.

The chart above illustrates that a 40-year-old driver could cut expenses by $332 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $500 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old category, have the ability to save as much as $838 or even more by using higher deductibles when buying full coverage. When choosing a higher deductible, it is necessary to have plenty of savings on hand to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Cautious Miami drivers save money

The recommended way to maintain the best auto insurance rates in Miami for good drivers is to drive carefully and avoid accidents and traffic citations. The illustration below shows how speeding tickets and accidents can affect premium costs for different ages of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

In the previous example, the average cost of a car insurance policy in Miami per year with no accidents and a clean driving record is $2,262. Add in two speeding tickets and the average cost increases to $3,045, an increase of $783 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for safe drivers jumps again to an average of $5,817. That’s an increase of $3,555, or $296 per month, just for not driving carefully!

Choosing a good quality insurer can be rather challenging considering how many companies sell coverage in Miami. The company information in the lists below could help you decide which companies to look at when shopping car insurance rates for safe drivers.

The rankings below are only made up of the companies with a significant amount of written premium nationwide, so companies that only write business in Florida or surrounding areas will not be included in this list. If you would like to check rates from these and other competitive companies, simply click here.

Best 15 Auto Insurance Companies for Safe Drivers in Miami
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies