For a 40-year-old driver with a clean record, car insurance in Miramar, FL, averages about $391 a month ($4,688 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% above the Florida average of $331 a month. Travelers has the lowest full-coverage average of the four insurers we price, at about $264 a month.
These figures cover the four ZIP codes that serve Miramar on the Census Bureau’s maps: 33023, 33025, 33027 and 33029. The Postal Service files all four under Hollywood, and they also take in parts of Pembroke Pines, so they’re in our Hollywood guide too, and 33025, 33027 and 33029 are in our Pembroke Pines guide.
On our Florida car insurance rates page, these ZIP codes are part of the Hollywood row of the city table. Miramar Beach, a Walton County community, is a different place.
Cost data comes from the auto rates insurers file with state regulators, priced across the four ZIP codes that serve Miramar, 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 Miramar averages $4,688 a year, or about $391 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,764 a year ($147 a month), and 50/100/50 liability with comprehensive and collision averages $4,091 ($341 a month).
Looking for cheap car insurance in Miramar, FL? In our data, the gap between insurers is far wider than the gap between ZIP codes: Travelers averages about $264 a month and Progressive $499 for the same driver and car, while Miramar’s four ZIP codes are within about $43 a month of each other.
Travelers has the lowest full-coverage average among the four insurers in our Miramar rate data. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: 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, GEICO has the lowest average among the insurers we price, at about $107 a month, with Travelers close behind at $114.
Full-coverage averages by insurer in Miramar
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): |
|---|---|---|---|---|
| Travelers | $1,373 | $114 | $3,171 | $264 |
| GEICO | $1,287 | $107 | $4,052 | $338 |
| Allstate | $1,902 | $159 | $5,540 | $462 |
| Progressive | $2,493 | $208 | $5,987 | $499 |
| State Farm (Nov. 2025 rates)* | $1,616 | $135 | $3,476 | $290 |
| United Automobile Insurance* | $2,655 | $221 | $3,793 | $316 |
| Nationwide* | $2,138 | $178 | $4,409 | $367 |
| Mercury Insurance* | $1,473 | $123 | $4,892 | $408 |
| Farmers* | $1,975 | $165 | $6,281 | $523 |
| National General* | $2,254 | $188 | $6,612 | $551 |
| Miramar average | $1,764 | $147 | $4,688 | $391 |
This table uses the four ZIP codes that serve Miramar only. See how we calculated these rates.
Across the four Miramar ZIP codes we price, full coverage for our driver ranges from about $373 a month in 33027 to $416 in 33023, a gap of $513 a year. 33027 and 33029, on the west side, are the least expensive of the four, at about $373 and $374 a month, and 33023, on the east side, the most expensive, at $416.
Lowest-priced Miramar ZIP codes
Highest-priced Miramar ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Miramar’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: |
|---|---|---|---|---|---|
| 33023 | $1,902 | $159 | $4,990 | $416 | +6% |
| 33025 | $1,829 | $152 | $4,802 | $400 | +2% |
| 33027 | $1,664 | $139 | $4,477 | $373 | -5% |
| 33029 | $1,660 | $138 | $4,482 | $374 | -4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $597 a year on average in our Miramar data, with the same $500 deductibles. That’s about $50 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 Miramar ZIP codes, their full-coverage average fell from $5,725 a year in rates as of Nov. 30, 2025, to $5,193 as of Aug. 31, 2026, a 9.3% drop. Progressive cut its Miramar average 16.9%, Allstate 3.8% and GEICO 3.8%. Travelers is new in our rates since November 2025, so it’s left out, which is why these averages differ from the Miramar 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 9.3%, led by Progressive, which cut its liability-only average 15.0%.
Miramar’s average matches the Broward County average, about $391 a month for full coverage, the third-most expensive of the 66 Florida counties we price. Prices climb from west to east: the two western ZIP codes cost about $43 a month less than 33023, on the east side.
The insurer matters even more. For the same driver and car, Travelers averages about $264 a month in Miramar, GEICO $338, Allstate $462 and Progressive $499.
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.
Pembroke Pines, about five miles northwest, averages $380 a month and Hollywood, about eight miles east, $395. Hialeah, about 11 miles south, averages $426, and Fort Lauderdale, about 13 miles northeast, $386.
Drivers in Miramar 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.
For our benchmark driver, full coverage in Miramar averages about $391 a month ($4,688 a year) and liability-only coverage at 15/30/10 limits about $147 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 18% above the Florida average of $331 a month.
Travelers has the lowest full-coverage average in our Miramar rate data, at about $264 a month, followed by GEICO at $338 among the insurers we rank. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average in our Miramar rate data, at about $107 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
In the rate data we use, each ZIP code carries its Postal Service mailing name, and all four ZIP codes that serve Miramar have a Hollywood mailing name. So this guide uses the four ZIP codes that serve Miramar on the Census Bureau’s maps, 33023, 33025, 33027 and 33029, which also take in parts of Pembroke Pines. Together they average about $391 a month for our benchmark driver.
In our data, 33027 has the lowest full-coverage average in Miramar, at about $373 a month, and 33023 the highest, at about $416. The ZIP code table on this page lists all four.
In our Miramar data, full coverage (100/300/100 with $500 deductibles) averages about $391 a month and liability-only coverage at 15/30/10 limits about $147, a difference of about $244 a month ($2,924 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new since November 2025), their Miramar full-coverage average fell 9.3%, from about $5,725 to $5,193 a year. That’s higher than the Miramar average of $4,688 because it leaves out Travelers. Progressive cut its Miramar average 16.9%, Allstate 3.8% and GEICO 3.8%. Liability-only coverage at 15/30/10 limits fell 9.3%.
