Who Has Cheap Auto Insurance Quotes for Low Mileage Drivers in Miami?

For infrequent drivers, one of the more important things that aid in calculating the price you pay for insurance is the neighborhood you call home. Cities with larger populations or higher claim trends will most likely have higher rates, whereas areas that tend to be more rural have the gratification of cheaper auto insurance rates.

The illustration below lists the most costly cities in Florida for low mileage drivers to buy auto insurance in. Miami ranks #3 with the yearly price of $3,273 for the average policy, which is about $273 monthly.

Car insurance prices in Miami
Rank City Premium Per Year
1 Hialeah $3,630
2 Miami Gardens $3,277
3 Miami $3,273
4 Miami Beach $3,013
5 Miramar $2,709
6 Tampa $2,636
7 West Palm Beach $2,599
8 Hollywood $2,552
9 Coral Springs $2,549
10 Pompano Beach $2,518
11 Pembroke Pines $2,481
12 Fort Lauderdale $2,475
13 Davie $2,448
14 Brandon $2,298
15 St. Petersburg $2,219
16 Clearwater $2,172
17 Orlando $2,090
18 Jacksonville $2,040
19 Spring Hill $2,039
20 Port St. Lucie $1,994
21 Cape Coral $1,917
22 Lakeland $1,845
23 Tallahassee $1,784
24 Palm Bay $1,750
25 Gainesville $1,630
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Premium amounts are approximated as zip code location can lower or raise prices significantly.

Deciphering which company offers the most affordable car insurance rates for low mileage drivers involves a tad more effort in order to find the lowest price. Each auto insurer has a different formula for setting rates, so we’ll take a look at the lowest cost car insurance companies in Miami.

Best Auto Insurance Prices in Florida

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Rankings for the cheapest car insurance companies in Florida
Rank Company Cost Per Year
1 USAA $948
2 Amica $1,694
3 Electric $1,712
4 Progressive $1,847
5 Travelers $1,888
6 Mercury $1,914
7 Allied $1,985
8 State Farm $2,068
9 Esurance $2,102
10 Auto-Owners $2,107
11 GEICO $2,150
12 Allstate $2,340
13 21st Century $2,469
14 Windhaven Insurance $2,575
15 MetLife $2,870
16 Safeco $2,927
17 Hanover $3,024
18 Liberty Mutual $3,101
19 United Automobile $3,457
20 Direct General $4,062
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USAA quotes some of the best car insurance rates in Miami at around $948 per year. This is $1,500 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also qualify as some of the cheaper Miami, FL car insurance companies.

In the above example, if you buy coverage from Progressive and switched to Amica, you could see savings of in the neighborhood of $153. Florida drivers with Travelers may save as much as $194 a year, and Mercury customers might reduce rates by $220 a year.

It’s important to note that these rates are averaged for all drivers and vehicles and do not take into consideration a vehicle location for low mileage drivers. So the company that can offer you the lowest price may not even be in the list above. That’s why you need to get rate quotes using your own specific driver and vehicle information.

The type of vehicle requiring insurance is probably the most important factor when looking for low-cost insurance for low mileage drivers. Vehicles with reasonable performance levels, excellent safety ratings, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The data below presents insurance costs for a number of the most cost-effective automobiles to buy insurance for.

Cheapest Vehicles to Insure in Miami, FL
Make and Model Estimated Cost for Full Coverage
Ford Explorer XLT 2WD $3,061
Honda Accord LX 4-Dr Sedan $3,121
Hyundai Elantra GLS Touring Station Wagon $3,131
Chevrolet Impala LS $3,162
Chevrolet Malibu LS $3,226
Jeep Wrangler Sport 4WD 2-Dr $3,237
Ford Escape XLS 4WD $3,342
Toyota Corolla XLE $3,394
Toyota Camry SE $3,402
Honda CR-V EX-L 4WD $3,421
Toyota Prius $3,454
Nissan Altima Hybrid 4-Dr Sedan $3,463
Ford F-150 STX Regular Cab 4WD $3,499
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $3,578
Ford Edge SEL AWD $3,627
Volkswagen Jetta 2.0T Station Wagon $3,645
Kia Optima SX $3,690
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in vehicle location which can raise or lower premiums considerably.

Based upon these rates, makes and models like the Ford Explorer, Honda Accord, Hyundai Elantra, and Chevrolet Impala will definitely be some of the most affordable vehicles to insure for infrequent drivers.

Get discount Miami auto insurance

Cheaper Miami, FL car insurance for infrequent driversCar insurance companies that offer coverage for low mileage drivers may provide discounts that could lower prices by as much as 25% or more if you meet specific eligibility requirements. A few of the larger companies and a selection of discounts include:

The illustration below shows the difference between insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, safe-driver, marriage, multiple vehicle, homeowner, and accident-free discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for low mileage drivers is 28% or $785.

Miami car insurance companies

Choosing the highest-rated insurance company is hard considering how many choices drivers have in Miami. The information below can help you analyze which auto insurers you want to consider comparing prices from. The rankings below only include companies that write coverage in many states, so smaller regional companies are not included in this list.

Top 10 Large Auto Insurance Companies in Miami Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Top 10 Large Auto Insurance Companies in Miami Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

If you aren’t clear which coverage you need and would like to have some advice when comparing insurance rates for low mileage drivers, the professional agents shown below can probably help you determine which coverages and limits you need. To find a Miami insurance agent nearest to you, click the button at the bottom of the list.

View more Miami, FL insurance agencies

How to find low-cost insurance for low mileage drivers

Here are many thrifty suggestions that can help Miami drivers buy more affordable coverage.

The last idea is remarkably valuable, as was emphasized in this article. Coverage rates adjust frequently, so drivers shouldn’t be reluctant to switch to a new company if you find a better deal.

Being loyal to a particular company is commendable, but is isn’t recommended if that inflexibility results in costing you a lot of money. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for low mileage drivers in Miami.