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Miramar, FL Car Insurance

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How Much Does Car Insurance Cost in Miramar?

The average monthly auto insurance cost in Miramar is $232. A typical driver in Miramar pays an average car insurance rate of  $2,781 yearly. It is significantly higher than the state’s average rate of $2,297 and the nation’s average of $1,541. There are several factors assessed when insurers calculate your car insurance quote. Your marital status, driving history, credit tier, age, and location are the most common aspects that influence your annual car insurance cost in Miramar.

If you want to earn an average car insurance rate in Miramar, what you need to do is to compare the rates from different car insurance companies. Closely comparing car insurance rates according to your location, age, driving history, credit tier, and marital status will help you identify the one that best fits your driving status.

Miramar Car Insurance Costs by Company

Different car insurance companies in Miramar offer different policies and rates. State Farm offers the cheapest average car insurance rates in Miramar. However, if you have been in at least one at-fault accident, your car insurance cost will likely increase. Hence, maintaining a clean driving history will keep your car insurance rates to stay on the average.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,197$183
GEICO$2,347$196
MetLife$2,444$204
Progressive$3,298$327
Allstate$3,596$300

Florida Cheapest Car Insurance Rates For Minimum Coverage

There are several companies in Florida that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage. 

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
GEICO$3,206$267
Direct Auto$3,266$272
Allstate$3,911$326
MetLife$5,222$435

Miramar Auto Insurance Rates by Age Bracket

The driver’s age also impacts car insurance rates in Miramar. Drivers within the age range of 50+ usually pay cheaper auto insurance premiums in contrast to other age groups. Teenagers, however, pay the highest car insurance cost in Miramar. They are considered inexperienced and high-risk drivers; thus they pay expensive car insurance rates. On a brighter note, when teens reach the age of 20, a substantial decrease in their premiums will immediately reflect.

Miramar Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$8,011$668
20s$3,555$296
30s$3,759$313
40s$2,703$225
50s$2,524$210
60s$2,587$216
70s$3,167$264

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered high-risk drivers. That is why they pay the most expensive car insurance rates in Florida. But, if you are a young driver without any driving violation, several auto insurance companies in Florida that provide less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

Miramar Car Insurance Premiums By Gender and Marital Status

Other factors that influence car insurance rates in Miramar are the driver’s marital status and gender. Most married couples and widowed drivers in Miramar pay relatively cheaper rates in contrast to those who are single. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Male drivers in Miramar are considered reliable and experienced. Thus, female drivers carry more cost in their auto insurance premiums than males in Miramar.

Miramar Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$2,832$236
Female$2,776$231
Single$2,655$221
Married$2,655$221
Divorced$2,832$236
Widowed$2,722$231

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples pay cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, they are given cheaper car insurance rates in Florida. MetLife by far offers the cheapest auto insurance rates for married couples. 

Insurance CompanyAnnual RateMonthly Rate
MetLife$2,374$198
State Farm$2,721$227
GEICO$3,022$252
Direct Auto$3,233$269
Allstate$3,333$278

Miramar Auto Insurance Rates After an Accident or Violation

High-risk drivers in Miramar garner a substantial increase in their premiums after a ticket or at-fault accident. One at-fault collision will drive up your car insurance rate in Miramar. Additionally, acquiring speeding tickets, and reckless driving citations are also considered risks. Thus, maintaining a good driving record in Miramar will keep your premiums low and close to the average of $232 monthly.

Miramar Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$4,162$347
Reckless Driving$4,301$358
At-Fault Accident (less than $1000 damages)$3,866$322
At-Fault Accident (more than $1000 damages)$3,866$322
Speeding Ticket$3,520$293

Florida Average Auto Insurance Costs With One At-Fault Accident

Typically, one at-fault accident will significantly increase your car insurance rates in Florida. Depending on the value of damages acquired, drivers who have been in an at-fault accident will shoulder expensive auto insurance rates in Florida. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Receiving a speeding ticket might not seem like a serious offense. However, in Florida, drivers will pay higher rates on their auto insurance premiums after a ticket. But, there are some auto insurance companies around the state that provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

Miami Auto Insurance Rates by Credit Tier

Your credit score is another aspect Miami auto insurance companies evaluate when calculating your car insurance rates. Having a good credit history will affect your car insurance rates in Miami. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in Miami.

Miami Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$5,577$465
Fair$3, 422$285
Good$2,773$231
Very Good$2,501$208
Exceptional$2,214$185

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

There are car insurance companies in Florida that offer cheap premiums for drivers with poor credit and want to purchase a car insurance with minimum coverage. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

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Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

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Miramar Car Insurance FAQs

  • I will borrow my friend’s car in Miramar, will I be insured under her policy?

    Every state has different policies the same goes for every car insurance company around Miramar. Thus, it is best to check your friend’s coverage first. 

  • What if I need an SR-22 form but I don’t own a car, what must I do?

    It is best to ask an agent for a Non-Owners policy for you to acquire car insurance coverage in Miramar.

  • I failed to keep my insurance policy in Florida. What is likely to happen?

    The Department of Highway Safety and Motor Vehicles in Florida will suspend your driving privilege around the state. 

  • What is PIP policy in Miramar?

    PIP is a coverage that will cover your injuries regardless of who is at-fault.

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