Miami car insurance rates by ZIP code |
Call Us Toll Free: 1-855-430-7753
Go To Top
Get Personalized Car Insurance Quotes
Currently Insured?

Miami Car Insurance


Miami skyline

Miami car insurance

This vibrant city's car insurance rates are among the highest in the country, and the Miami area tops the list of most expensive locations for Florida car insurance. Florida requires all drivers to buy $10,000 in personal injury protection so that anyone in a car accident is guaranteed treatment. In some parts of the state, that costs as little as $100 a year for a good driver. Around Miami, it can cost 20 times as much.

No two insurance companies will price their coverage the same, and when confronting Miami's eye-popping rates, comparison shopping becomes all the more important. The savings could be hundreds or even thousands of dollars.

To see how Miami car insurance rates compare, use our average rates tool below. Enter a ZIP code and it will show the average rate, as well as the highest and lowest, for your location.

Miami Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
  • 33135- CORAL GABLES: $3,310
  • 33136- MIAMI: $3,275
  • 33010- HIALEAH: $3,275
  • 33128- MIAMI: $3,275
  • 32693- FANNING SPRINGS: $1,443
  • 32459- MIRAMAR BEACH: $1,447
  • 32439- FREEPORT: $1,450
  • 32435- DE FUNIAK SPRINGS: $1,450 analyzed car insurance rates from six car insurance companies for the same driver and car in nearly every ZIP code in Florida. The average rate of $2,248 in Miami ZIP 33142 (shared with neighboring Hialeah ZIP code 33010) is the highest in the state. It’s also the highest in the seven-county Miami-Fort Lauderdale-Port St. Lucie region the Census calls a Combined Statistical Area.

You’ll see in the chart below the top 12 most expensive ZIP codes in the state are all in the Miami metro area.

Miami car insurance rates

ZIP code

Average rate



33010 Hialeah




33142 Miami




33147 Brownsville




33125 Miami




33135 Coral Gables




33122 Miami




33126 Miami




33127 Miami




33012 Hialeah




33128 Miami




33130 Miami




33136 Miami




*Methodology for rates by ZIP code: commissioned Quadrant Information Services to run auto insurance rates for a 2014 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Here's how Miami’s highest average rate ($2,248) compares to others:

  • $1,170 more than the least expensive average rate ($1,078) in Florida, Waldo ZIP code 32694
  • $846 more than the state average ($1,402)
  • $1,017 more than the national average rate ($1,231)


Here’s how the average rates compare across counties the Census considers part of the Miami metro statistical area:

  • Miami-Dade: $1,927
  • Palm Beach: $1,706
  • Broward: $1,704
  • St. Lucie: $1,337
  • Martin: $1,334
  • Okeechobee: $1,263
  • Indian River: $1,239

Here’s what the same driver would pay in the costliest ZIP codes in other large Florida cities:

  • Tampa ZIP code 33603: $2,001
  • Saint Petersburg ZIP code 33705: $1,579
  • Orlando ZIP code 32818: $1,539
  • Jacksonville ZIP code 32210: $1,360
  • Tallahassee ZIP code 32305: $1,136

Miami car insurance requirements

Florida state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $10,000
Minimum property damage liability $10,000
*Bodily injury liability not required by state; many carriers require $10,000/$20,000

Cheapest car insurance in Miami

If you want just enough coverage to be legal on the road, buy the lowest amount of liability insurance your insurer offers. That’s the cheapest policy you can buy. Florida car insurance laws mandate that you must have a car insurance policy covering $10,000 in property damage liability and $10,000 in personal injury protection (PIP):

  • $10,000 in PIP covers you, your passengers and other authorized drivers of your car who are injured while in your insured vehicle
  • $10,000 for damage you cause to others’ cars and property

Bodily injury liability not required, but recommended

Florida car insurance laws don’t stipulate that you carry bodily injury liability insurance, which pays for injuries others get from an accident you cause. However, many car insurance companies do require it to be part of any policy they sell in the state. That’s because Florida is a no-fault state. Treatment for any injuries you suffer is covered by your personal injury protection, up to its limit. This is regardless of who caused the accident. If bills exceed that limit, the at-fault driver is legally personally responsible unless he or she has bought bodily injury liability coverage.

If you buy bodily injury liability coverage, the smallest amount you can buy is $10,000 per person (up to $20,000 per accident).

If you buy the minimum liability insurance required under Florida law, plus bodily injury as required by most insurers, here is what it will cost you, on average, per year, for Hialeah ZIP code 33010 for a driver at following ages:














































*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for by Quadrant Information Services.

The state average rate for a year of minimum coverage (with bodily injury amounts most insurers require) is $1,058, according to our rate analysis. If you increased your coverage to $50,000 worth of liability coverage for others’ medical bills, up to $100,000 for an accident, with $50,000 to pay for others’ property damage (50/100/50), you would pay just $313 more.

Best car insurance in Miami

Even a minor accident can put your savings and home in jeopardy if you have just the state required minimum of insurance. To protect your assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage are advised unless you have a very old car that’s of little value. That’s because these coverages pay out only up to the actual cash value of your car. In Florida, comprehensive costs $107 and collision costs $242, on average per year, for drivers, according to the Insurance Information Institute. Unlike liability insurance, these optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

Hialeah ZIP 33010 car insurance rates for coverage recommendations



ZIP code 33010

State average

With $1,000 deductible



With $500 deductible



With $250 deductible



*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for by Quadrant Information Services.

Driving in Miami

Traffic in Miami: The city and nearby areas came in 11th (tied with Philadelphia) for the worst traffic in the country in a recent report by USA Today, which noted that commuters spend about 39 hours a year stuck in traffic.

Car crashes: Major accidents have resulted in an average of nearly 50 deaths a year in recent years (2012-2014).

Commuting: The average commute in Miami lasts 29.2 minutes.

Public transportation: The U.S. Census Bureau says that the majority of riders in Miami who commute to work by public transportation are white (about 6 percent), Hispanic (about 71 percent) and black (about 26 percent). The bureau notes that commuting is the main reason people turn to mass transit.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the Miami area, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. Lanes may be restricted during specified hours.

Bad intersection: State Farm, in an analysis of its accident claims, says the Flamingo Road and Pines Boulevard intersection is crash-prone because as many as 200,000 cars pass through the area each day.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.