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Miami Car Insurance
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$4,048
Average Miami Annual CostAbove U.S Average👍Great contender for Protect.com savings$337
Average Miami Monthly CostNo-fault
Florida Fault Type10/20/10 + $10k PIP
Florida Min. Coverage
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What are the best car insurance companies in Miami?
Instead of focusing solely on the cheapest companies, we look at the full picture — offering a balance between affordable pricing, coverage types, and the provider's reputation. We prioritize providers known for exceptional customer service in the Miami area, ensuring you're not just getting a good rate, but reliable support when it matters most. Local agents can provide personalized guidance for navigating Florida's unique insurance requirements, including no-fault coverage.
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Miami drivers have access to all major national insurance providers, plus several regional carriers that specialize in Florida's unique driving conditions. Whether you're commuting through downtown, or taking a Sunday drive, finding the right coverage at the best price is essential.
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Methodology & Disclosures
Minimum car insurance rates by state provided by Yahoo Finance. Average full coverage car insurance rates by state provided by Bankrate. National average car insurance costs by age provided by WalletHub.
Car insurance rates vary by geographic region, number of drivers, vehicles, driving record, and many other factors. For the purposes of this site and the rates you see, the standard profile has been applied: 40 year old single driver, 2023 Toyota Camry, good credit score, clean driving record and commutes 5 days. Rates also assume bundling and paperless billing discounts.