Which Company Has the Lowest Cost of Car Insurance in Miami Gardens?

In Florida, as in other states, car insurance is mandatory, no matter your situation. If a car owner lives paycheck to paycheck or has bad credit, they are still required to have car insurance if they own a vehicle they plan to drive.

Miami Gardens is a city in Miami-Date County, where residents live, work, have fun, and pay their bills. However, its statistics (crime, car thefts, and accidents) are grouped in with the much larger city of Miami.

The population of Miami Gardens is right around 110,000, making it a relatively large city. The average commute time for workers 16 and older is slightly over half an hour at 32.3 minutes. Considering the national average is only around 27 minutes, this can add quite a bit of time to how long commuters spend in their cars, and on the road, every week. This increase may lead to higher premiums for those who live in the area.

In 2018, residents reported 20,045 vehicle thefts, making the rate of theft in the city quite high, which can also have a negative impact on insurance costs. The overall rate was 323.37 per 100,000 vehicles and the city was ranked was #72 of cities with the highest theft rates in the US.

Overall, larger cities tend to pay higher insurance premiums, while smaller communities, such as Ponce de Leon or Bonifay, pay significantly less for their annual premiums.

How Much Car Insurance Coverage Do I Need in Miami Gardens

Florida, unlike many states, doesn’t use an at-fault insurance system, but that doesn’t mean that you can drive without insurance. Even Florida has requirements for how much insurance you must carry if you plan to drive on the roads. However, these requirements are quite low compared to other states.

Florida only requires drivers to carry $10,000 in personal injury protection (PIP) and another $10,000 in property damage protection. Considering some states require as much as $50,000 in PIP, these requirements should be easy to meet.

However, there are reasons to consider buying more coverage. For one, Florida is regularly hit by hurricanes and flooding, especially if you live on the coast. This means that you may suffer property damage to your vehicle and, depending on your coverage, you could pay all of that out of pocket or expect it to cover most of the damage. If you chose a less-expensive insurance plan, then you may still wind up paying beyond your deductible to have the damage to your vehicle repaired.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Miami Gardens by Insurer

If you have no choice but to begin with a less expensive insurance premium, you may want to treat it as a beginner premium. When you have more money to work with, you can get back in touch with your agent and upgrade your plan so that it offers you more protection. However, if you need insurance now and need to keep within a certain budget, here’s a good place to start.

Use this guide to compare auto insurance quotes from the best companies.

Low Cost Auto Insurance for Bad Credit in Miami Gardens

Bad credit or not, you are still required to buy insurance. The state may not provide vehicle registration to you if it has proof that your vehicle is not insured, so it’s best to start looking right away if you plan to move here, are just getting your license, or were dropped from your previous insurance plan. Several companies in Florida offer insurance plans for drivers with bad credit. While these are sometimes more pricey, you might consider dividing the cost into smaller payments in order to make them easier to pay.

Use this guide to find cheap auto insurance coverage with bad credit.

What is the Difference Between Full Coverage and Liability?

What is Liability Only Insurance Coverage?

Liability insurance will pay for the injuries and/or damages that you cause to others in the case of a collision where you were at fault. In most cases, liability insurance will cost less than full-coverage insurance, but then again, they are both very different in what they cover. Liability is mandatory in all U.S. states, although how much liability you are required to have differs between states. Even if it wasn’t mandatory to have liability insurance, accidents can happen anytime and, if they do, you will need to be able to pay for the damages that you cause if you were the one to blame.

What does Full Coverage Insurance Cover?

Full coverage auto insurance in Arizona pays for your injuries and the damages made to your car as well as for others and isn’t just a specific type of a policy but it is instead liability, comprehensive insurance, and collision all combined. Full coverage insurance is not mandatory, but is good to have since it will help pay for your car to be fixed in the event of an accident that causes you injury or damage to your car, even if you were at fault. If the other person that collided with you was at fault, then their insurance will cover the damages to your car and your injuries. This is why there are laws requiring everyone to have insurance to cover the damages they cause.

What is the Difference Between the Two Types of Car Insurance?

Liability and Full coverage policies have many distinctions but the chief one is that under a liability policy your car is not covered. If you are in an accident and are found at-fault, your liability policy will cover the other driver and her passengers. A full coverage policy, on the other hand, covers damage done to your car as a result of a wide range of accidents, even if you are at-fault. These policies also differ when it comes to premium payments.

Average Annual Car Insurance Rates in Florida by City

Additional cities in Florida you can check out.

Palm Bay

Pompano Beach

Helpful Advice to Get Lower Car Insurance Rates

Save on Your Insurance Policy Rates With These Discounts in Miami Gardens:

  • Shop around:

    It could not be clearer. The smallest difference in our driver demographics between the most expensive and the bargain insurance rate was over $1,100 yearly. It is a good idea to shop around yearly, especially if your policy rate goes up, since insurance carriers can change their rates whenever they feel it’s necessary.

  • Avoid accidents and moving violations:

    These will increase your rate, sometimes substantially.

  • If you have an accident or moving violation:

    It is often a good idea to spend a little bit of money now and attend traffic school, rather than have these violations stay on your driving record for years.

  • Insure your home and car with the same company:

    If you can insure your home or apartment and your vehicles with the same insurance carrier, you can also save money, as there is often a discount for bundling multiple services.

  • Look for discounts :

    Often, there are good driver rates for those with no moving violations or student driver rates. Sometimes, your insurance agent will not tell you about these discounts, but you can find them online.

  • Rates are influenced by the type of vehicle :

    Insurance rates are much higher if you carry full liability and have a vehicle you are paying off. Sometimes it is best to buy a new car and just maintain it thoroughly. Eventually, you will have no car payment, and you can eventually drop the collision insurance. When cars get to a certain age, you will not receive enough back from the insurance company if your car is totaled in an accident to justify buying the collision insurance each year.

Find the best discounts on car insurance using this guide.

Common Factors that Affect Your Miami Gardens FL Vehicle Insurance Rates

Your car insurance rates can change over time. One of the most reliable factors that will impact your premiums is your age. The older you are, the lower your insurance premiums should be. You may also find your rates vary depending on the car you drive. Sports cars or jeeps may incur higher premiums, while SUVs and sedans are cheaper to insure.

Rates are also impacted by your gender and age, though young women will have lower rates than their same-aged male friends. Actuarial tables show that young drivers are more prone to speeding, alcohol infractions, and accidents than older people, as are young males rather than females.

You can also reduce your regular premium payments by opting for a higher deductible on your collision and comprehensive coverage packages. You can also opt to pay your premium in a larger, single payment every six months rather than spreading the premium out over monthly payments.

Find the best insurance rates with tickets and accidents using this guide.

Helpful Miami Gardens, Florida Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


Get a quote1.855.283.2631