For a 40-year-old driver with a clean record, car insurance in Miami, FL, averages about $405 a month ($4,856 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 22% above the Florida average of $331 a month. GEICO has the lowest full-coverage average of the four insurers we price, at about $264 a month.
Miami is the fifth-most expensive of our 26 Florida city guides, after West Palm Beach, Hialeah, Tampa and Boca Raton. Our benchmark driver pays about $74 a month more here than the statewide average on our Florida car insurance rates page. It’s one of only two Florida guide cities, with Hialeah, where GEICO rather than Travelers has the lowest full-coverage average in our data.
Our data covers 54 ZIP codes with a Miami mailing address, more than any other Florida city, from about $378 a month in 33176 and 33178 to $435 in 33167.
Cost data comes from the auto rates insurers file with state regulators, priced across all 54 Miami ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
Full coverage in Miami averages $4,856 a year, or about $405 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,828 a year ($152 a month), and 50/100/50 liability with comprehensive and collision averages $4,282 ($357 a month).
Shopping for low-cost car insurance in Miami, FL? GEICO has the lowest full-coverage average of the four insurers we price here, about $264 a month for our benchmark driver, and Travelers is next at $297.
GEICO has the lowest full-coverage average among the four insurers in our Miami rate data. The published 2026 rate studies we reviewed that rank Miami insurers most often put GEICO first for full coverage; others put Travelers or State Farm first. Statewide, the studies disagree: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. For liability-only coverage at 15/30/10 limits, averages run from about $87 to $241 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Miami
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $1,040 | $87 | $3,167 | $264 |
| Travelers | $1,513 | $126 | $3,560 | $297 |
| Allstate | $1,866 | $156 | $5,431 | $453 |
| Progressive | $2,895 | $241 | $7,266 | $606 |
| State Farm (Nov. 2025 rates)* | $1,879 | $157 | $3,865 | $322 |
| United Automobile Insurance* | $2,572 | $214 | $3,613 | $301 |
| Nationwide* | $2,071 | $173 | $4,200 | $350 |
| Mercury Insurance* | $1,426 | $119 | $4,660 | $388 |
| Farmers* | $1,913 | $159 | $5,983 | $499 |
| National General* | $2,183 | $182 | $6,298 | $525 |
| Miami average | $1,828 | $152 | $4,856 | $405 |
This table uses Miami ZIP codes only. See how we calculated these rates.
Across the 54 Miami ZIP codes we price, full coverage for our driver ranges from about $378 a month in 33176 and 33178 to $435 in 33167, a gap of $681 a year. To compare car insurance rates in Miami, FL, find your ZIP code in the table. The two least expensive, 33176 and 33178, are on the southwest and northwest edges of the mailing area, and the three most expensive, 33180, 33168 and 33167, are in the north.
Lowest-priced Miami ZIP codes
Highest-priced Miami ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Miami’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 33125 | $1,929 | $161 | $5,059 | $422 | +4% |
| 33126 | $1,825 | $152 | $4,844 | $404 | About average |
| 33127 | $2,014 | $168 | $5,142 | $429 | +6% |
| 33128 | $1,912 | $159 | $4,976 | $415 | +2% |
| 33129 | $1,711 | $143 | $4,595 | $383 | -5% |
| 33130 | $1,913 | $159 | $4,974 | $415 | +2% |
| 33131 | $1,715 | $143 | $4,630 | $386 | -5% |
| 33132 | $1,919 | $160 | $4,965 | $414 | +2% |
| 33133 | $1,693 | $141 | $4,618 | $385 | -5% |
| 33134 | $1,731 | $144 | $4,732 | $394 | -3% |
| 33135 | $1,934 | $161 | $5,068 | $422 | +4% |
| 33136 | $1,918 | $160 | $4,966 | $414 | +2% |
| 33137 | $1,751 | $146 | $4,679 | $390 | -4% |
| 33138 | $1,790 | $149 | $4,743 | $395 | -2% |
| 33142 | $2,013 | $168 | $5,160 | $430 | +6% |
| 33143 | $1,710 | $143 | $4,673 | $389 | -4% |
| 33144 | $1,833 | $153 | $4,880 | $407 | About average |
| 33145 | $1,923 | $160 | $5,046 | $421 | +4% |
| 33146 | $1,679 | $140 | $4,575 | $381 | -6% |
| 33147 | $1,931 | $161 | $5,087 | $424 | +5% |
| 33150 | $1,934 | $161 | $5,032 | $419 | +3% |
| 33155 | $1,802 | $150 | $4,789 | $399 | -1% |
| 33156 | $1,684 | $140 | $4,602 | $384 | -5% |
| 33157 | $1,699 | $142 | $4,557 | $380 | -6% |
| 33158 | $1,711 | $143 | $4,716 | $393 | -3% |
| 33161 | $1,982 | $165 | $5,153 | $429 | +6% |
| 33162 | $1,950 | $163 | $5,082 | $424 | +5% |
| 33165 | $1,857 | $155 | $4,952 | $413 | +2% |
| 33166 | $1,659 | $138 | $4,548 | $379 | -6% |
| 33167 | $2,057 | $171 | $5,216 | $435 | +7% |
| 33168 | $1,977 | $165 | $5,205 | $434 | +7% |
| 33169 | $1,932 | $161 | $5,061 | $422 | +4% |
| 33170 | $1,827 | $152 | $4,826 | $402 | -1% |
| 33172 | $1,794 | $150 | $4,822 | $402 | -1% |
| 33173 | $1,674 | $140 | $4,633 | $386 | -5% |
| 33174 | $1,862 | $155 | $4,986 | $416 | +3% |
| 33175 | $1,828 | $152 | $4,862 | $405 | About average |
| 33176 | $1,655 | $138 | $4,535 | $378 | -7% |
| 33177 | $1,840 | $153 | $4,876 | $406 | About average |
| 33178 | $1,649 | $137 | $4,539 | $378 | -7% |
| 33179 | $1,920 | $160 | $5,069 | $422 | +4% |
| 33180 | $1,917 | $160 | $5,181 | $432 | +7% |
| 33181 | $1,835 | $153 | $4,852 | $404 | About average |
| 33182 | $1,778 | $148 | $4,762 | $397 | -2% |
| 33183 | $1,834 | $153 | $4,830 | $403 | About average |
| 33184 | $1,831 | $153 | $4,879 | $407 | About average |
| 33185 | $1,802 | $150 | $4,761 | $397 | -2% |
| 33186 | $1,719 | $143 | $4,655 | $388 | -4% |
| 33187 | $1,826 | $152 | $4,879 | $407 | About average |
| 33189 | $1,792 | $149 | $4,694 | $391 | -3% |
| 33190 | $1,859 | $155 | $4,932 | $411 | +1% |
| 33193 | $1,813 | $151 | $4,762 | $397 | -2% |
| 33194 | $1,806 | $151 | $4,799 | $400 | -1% |
| 33196 | $1,786 | $149 | $4,766 | $397 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $574 a year on average in our Miami data, with the same $500 deductibles. That’s about $48 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Miami ZIP codes, their full-coverage average fell from $5,916 a year in rates as of Nov. 30, 2025, to $5,288 as of Aug. 31, 2026, a 10.6% drop. Progressive cut its Miami average 17.3%, Allstate 4.7% and GEICO 2.9%. Travelers is new in our rates since November 2025, so it’s left out, which is why these averages differ from the Miami average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 10.6%, led by Progressive, which cut its liability-only average 16.0%. In March 2026, Florida’s Office of Insurance Regulation reported an indicated average rate change of −8% for the state’s five largest auto insurance groups.
Miami-Dade County averages about $411 a month for full coverage, the second-most expensive of the 66 Florida counties we price, after Palm Beach County. Miami itself is a little below the county average and about 22% above the statewide average. Hialeah, to the northwest, averages about $426 a month, Miami Gardens, to the north, $435 and Homestead, to the southwest, $414.
Across Miami’s 54 ZIP codes, prices for our driver span only about $57 a month, while the four insurers’ averages span about $342 a month, from GEICO’s $264 to Progressive’s $606. Which insurer you choose matters far more than which Miami ZIP code you live in.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Hialeah, about seven miles northwest, averages $426 a month. In Broward County, Miramar, about 16 miles north, averages $391, Hollywood $395 and Fort Lauderdale, about 25 miles north, $386.
Drivers in Miami follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile, coverage levels and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.
| Miami Auto Insurance Costs: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Broward | $1,197 | $922 | $1,203 | $1,148 | $1,133 |
| Miami-Dade | $1,244 | $959 | $1,262 | $1,178 | $1,175 |
| Palm Beach | $1,050 | $834 | $1,070 | $1,003 | $997 |
For our benchmark driver, full coverage in Miami averages about $405 a month ($4,856 a year) and liability-only coverage at 15/30/10 limits about $152 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 22% above the Florida average of $331 a month.
GEICO has the lowest full-coverage average in our Miami rate data, at about $264 a month, followed by Travelers at $297. For liability-only coverage at 15/30/10 limits, averages run from about $87 to $241 a month. The published 2026 rate studies we reviewed that rank Miami insurers most often put GEICO first for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
For our benchmark driver, Miami full coverage averages about $405 a month, 22% above the Florida average. Miami-Dade County as a whole averages $411, the second-most expensive of the 66 Florida counties we price, after Palm Beach County. The insurer matters most: GEICO averages about $264 a month in Miami and Progressive $606 for the same driver and car, so comparing quotes is the surest way to pay less.
In our data, 33176 and 33178 share the lowest full-coverage average in Miami, at about $378 a month, and 33167 the highest, at about $435. The ZIP code table on this page lists all 54.
Yes, Florida is a no-fault state. Every vehicle registered in Florida, including in Miami, must carry $10,000 in personal injury protection and $10,000 in property damage liability. Your PIP pays 80% of necessary medical bills and 60% of lost income, up to $10,000, whoever caused the crash, and you must get treatment within 14 days for it to pay medical benefits. The 2026 bills that would have repealed the no-fault law, S.B. 522 and H.B. 769, died in committee on March 13, 2026.
Yes, for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new since November 2025), their Miami full-coverage average fell 10.6%, from about $5,916 to $5,288 a year. That’s higher than the Miami average of $4,856 because it leaves out Travelers. Progressive cut its Miami average 17.3%, Allstate 4.7% and GEICO 2.9%. Liability-only coverage at 15/30/10 limits fell 10.6%. In March 2026, Florida’s Office of Insurance Regulation reported an indicated average rate change of −8% for the state’s five largest auto insurance groups.
