Who Has Cheap Miami Auto Insurance Quotes After a Speeding Ticket?

Trying to buy cheap insurance is not the easiest thing to accomplish, and deciding which insurers offer the lowest-priced insurance rates after a speeding ticket will take even more shopping around. Every auto insurer has a different formula to determine premium rates, so let’s begin by examining the most competitive insurance companies in Florida.

It’s important to understand that Florida insurance rates are influenced by many factors which can substantially decrease or increase the price you pay for coverage. Simply having another birthday, marrying your spouse, or getting into an accident can produce rate changes that can cause some rates to be more expensive than competitors.

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What’s the cheapest car insurance in Florida?
Rank Company Cost Per Year
1 USAA $948
2 Electric $1,746
3 Amica $1,764
4 Progressive $1,793
5 Travelers $1,869
6 Mercury $1,914
7 Allied $1,985
8 State Farm $2,068
9 Esurance $2,082
10 Auto-Owners $2,085
11 GEICO $2,108
12 Allstate $2,388
13 21st Century $2,445
14 Windhaven Insurance $2,653
15 MetLife $2,870
16 Safeco $3,016
17 Hanover $3,054
18 Liberty Mutual $3,131
19 United Automobile $3,527
20 Infinity $4,045
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USAA normally has some of the lowest car insurance rates in Miami at around $948 annually. This is $1,500 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also some of the most economical Miami, FL car insurance companies.

In the rate table above, if you currently buy coverage from Progressive and switched to USAA, you could see a yearly savings of approximately $845. Drivers with Travelers could save as much as $921 a year, and Mercury insureds might realize rate reductions of up to $966 a year.

These estimates are averaged for all types of insureds and vehicles and and are not figured with an exact zip code location after a speeding ticket. So the car insurance company that is best suited for you may not even be in the top 21 companies in the list above. That’s why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

The type of vehicle that needs insurance is probably the largest consideration when comparing cheap insurance after a speeding ticket. Vehicles with lower acceleration and performance, advanced safety features, or low incidents of liability claims will cost quite a bit less to insure than high performance models. The next table presents car insurance premiums for a number of the cheaper automobiles to insure in Florida.

Cheapest Vehicles to Insure in Miami, FL
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $4,093
Ford Escape XLS 2WD $4,472
Honda Accord LX-P 4-Dr Sedan $4,478
Honda Odyssey LX $4,483
Toyota Prius $4,548
Dodge Grand Caravan CV $4,575
Honda Civic DX 4-Dr Sedan $4,754
Ford F-150 STX Regular Cab 2WD $4,785
Chevrolet Equinox LS 2WD $4,846
Toyota Tacoma Double Cab 4WD $4,938
Ford Explorer Limited AWD $4,947
Ford Focus SEL 4-Dr Sedan $5,022
Ford Edge SEL 2WD $5,076
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Table data assumes single male 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, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can influence auto insurance rates greatly.

Based on these rates, we can assume that makes and models like the Honda CR-V, Ford Escape, Honda Accord, Honda Odyssey, and Toyota Prius are most likely going to be the most affordable vehicles to insure after a few driving violations.

Get discounts on Miami insurance

Cheaper Miami, FL insurance after a few driving violationsAuto insurance companies that provide policies after a speeding ticket may additionally offer rate discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. Companies and the discounts they provide are outlined below.

The diagram below visualizes the comparison of car insurance costs with and without discounts. The rate quotes are based on a female driver, no at-fault accidents and three violations, Florida state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, anti-theft, continuous coverage, marriage, homeowner, and multiple vehicle discounts applied. When discounts are factored in, theaverage amount saved on insurance after a speeding ticket is 28% or $1,314.

Tickets and at-fault accidents raise rates

The easiest method to find affordable insurance prices in Florida after a few driving violations is to drive attentively and avoid accidents and traffic violations. The information below shows how violations and fender-benders impact auto insurance rates for different age categories. The premiums assume a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of an auto insurance policy in Miami per year with no accidents and a clean driving record is $1,340. Factor in one speeding ticket and the average cost surges to $1,565, an increase of $225 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of insurance after a speeding ticket increases to an average of $3,681. That’s an increase of $2,341, or $195 per month, just for not keeping your driving record clean!

How to find economical auto insurance after a speeding ticket

The list below summarizes some penny-pinching ideas that can help you locate cheaper coverage.

That final tip is remarkably crucial, as was affirmed in this write-up. Prices in Miami can change considerably in a year, so don’t be tentative to switch to a new company if you find a better deal.

Staying with the same company for years is fine, but it’s not a great idea if it’s costing you major coinage every year. It takes less than five minutes to compare prices to find cheaper car insurance after a speeding ticket.

The Miami car insurance agencies listed below can most likely aid you in deciding which coverage meets your needs best, as some people have coverage questions and would like to get help from a professional when trying to find the best insurance rates after a speeding ticket. It can be time-consuming to find the cheapest rate yourself, and agents can provide you peace of mind knowing your coverage gives you adequate protection in case of an accident or claim. To find a Miami insurance agent using an interactive map, click the button at the bottom.

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