Car insurance in Aventura for an adult with a clean driving record and good insurance score costs $3,286 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Aventura by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Aventura.

Key Highlights
  • Car insurance in Aventura is more expensive than car insurance in Florida for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Aventura is $3,286 per year or $274 per month.
  • In Aventura, Geico offers the cheapest full coverage car insurance at $187 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Aventura, FL?

The average auto insurance rates in Aventura, FL at various coverage levels are listed below:

  • State minimum: $1,135 per year
  • Liability-only coverage (50/100/50): $1,978 per year
  • Full coverage (100/300/100): $3,286 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Geico$574$1,103$2,244
State Farm$1,069$1,518$2,455
Travelers$925$1,504$2,931
Nationwide$1,166$2,056$3,069
Allstate$1,039$1,809$3,401
Progressive$1,567$2,376$3,542
Mercury Insurance$1,071$1,927$3,581
National General Insurance$1,336$2,199$3,905
Farmers$1,467$3,307$4,447

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Aventura, FL?

Out of all the carriers available in Aventura, Geico offers the cheapest full coverage car insurance at $187 per month.

The second-cheapest car insurance company in Aventura is State Farm, offering car insurance at $205 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Geico$187
State Farm$205
Travelers$244
Nationwide$256
Allstate$283
Progressive$295
Mercury Insurance$298
National General Insurance$325
Farmers$371

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Aventura, FL?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Florida is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Aventura, FL

See the average annual premium for drivers with two speeding tickets on their records in Aventura, FL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$221
Allstate$314
Travelers$379
Nationwide$380
Geico$411
Progressive$465
Farmers$500
Mercury$527

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Aventura, FL

See the average annual premium for a driver convicted of DUI in Aventura, FL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$221
Geico$350
Progressive$354
Allstate$375
Travelers$376
Farmers$398
Mercury$462
Nationwide$543

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Aventura, FL

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Aventura, FL, by age

Age is a key factor when considering car insurance rates in most cities, including Aventura – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$1,654
16Geico$623
16Farmers$1,933
16Mercury Insurance$2,258
16National General Insurance$848
16Nationwide$817
16Progressive$1,108
16State Farm$710
16Travelers$1,284
17Allstate$1,549
17Geico$596
17Farmers$1,429
17Mercury Insurance$1,874
17National General Insurance$819
17Nationwide$1,064
17Progressive$954
17State Farm$621
17Travelers$944
18Allstate$1,127
18Geico$559
18Farmers$1,376
18Mercury Insurance$1,775
18National General Insurance$816
18Nationwide$1,064
18Progressive$838
18State Farm$552
18Travelers$748
19Allstate$637
19Geico$524
19Farmers$734
19Mercury Insurance$944
19National General Insurance$676
19Nationwide$611
19Progressive$678
19State Farm$479
19Travelers$593
20Allstate$603
20Geico$479
20Farmers$699
20Mercury Insurance$806
20National General Insurance$619
20Nationwide$517
20Progressive$600
20State Farm$420
20Travelers$504
21Allstate$434
21Geico$359
21Farmers$505
21Mercury Insurance$671
21National General Insurance$501
21Nationwide$404
21Progressive$506
21State Farm$366
21Travelers$421
22Allstate$381
22Geico$324
22Farmers$481
22Mercury Insurance$599
22National General Insurance$473
22Nationwide$365
22Progressive$457
22State Farm$325
22Travelers$379
23Allstate$364
23Geico$298
23Farmers$463
23Mercury Insurance$475
23National General Insurance$458
23Nationwide$335
23Progressive$414
23State Farm$292
23Travelers$344
24Allstate$336
24Geico$274
24Farmers$448
24Mercury Insurance$422
24National General Insurance$441
24Nationwide$312
24Progressive$383
24State Farm$271
24Travelers$321
25Allstate$309
25Geico$248
25Farmers$433
25Mercury Insurance$400
25National General Insurance$423
25Nationwide$295
25Progressive$330
25State Farm$238
25Travelers$277
30Allstate$284
30Geico$208
30Farmers$385
30Mercury Insurance$354
30National General Insurance$373
30Nationwide$259
30Progressive$306
30State Farm$209
30Travelers$268
35Allstate$284
35Geico$187
35Farmers$369
35Mercury Insurance$329
35National General Insurance$353
35Nationwide$259
35Progressive$303
35State Farm$207
35Travelers$264
40Allstate$283
40Geico$187
40Farmers$371
40Mercury Insurance$298
40National General Insurance$325
40Nationwide$256
40Progressive$295
40State Farm$205
40Travelers$244
45Allstate$283
45Geico$188
45Farmers$372
45Mercury Insurance$301
45National General Insurance$318
45Nationwide$252
45Progressive$294
45State Farm$202
45Travelers$242
50Allstate$277
50Geico$184
50Farmers$357
50Mercury Insurance$268
50National General Insurance$316
50Nationwide$243
50Progressive$282
50State Farm$198
50Travelers$237
55Allstate$270
55Geico$176
55Farmers$337
55Mercury Insurance$263
55National General Insurance$314
55Nationwide$226
55Progressive$283
55State Farm$193
55Travelers$216
60Allstate$265
60Geico$171
60Farmers$328
60Mercury Insurance$258
60National General Insurance$314
60Nationwide$223
60Progressive$280
60State Farm$189
60Travelers$219
65Allstate$275
65Geico$168
65Farmers$409
65Mercury Insurance$277
65National General Insurance$325
65Nationwide$241
65Progressive$282
65State Farm$189
65Travelers$227
70Allstate$276
70Geico$173
70Farmers$436
70Mercury Insurance$307
70National General Insurance$347
70Nationwide$270
70Progressive$307
70State Farm$194
70Travelers$246
75Allstate$312
75Geico$194
75Farmers$492
75Mercury Insurance$376
75National General Insurance$375
75Nationwide$301
75Progressive$376
75State Farm$212
75Travelers$277

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Aventura, FL, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Geico$348
State Farm$392
Nationwide$406
Progressive$473
Mercury Insurance$487
Travelers$498
Allstate$506
Farmers$574

Final thoughts: Car insurance cost in Aventura, FL

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Aventura, FL. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Aventura, Florida.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.