Table of content
- Miami Gardens – introduction
- Documents required to get an auto insurance
- What affects the car insurance?
- How much is car insurance in Miami Gardens, FL?
- Best cheap car insurance companies in Miami Gardens, Florida in 2024
-
Cheapest insurance rates by category in 2024
- No-fault insurance laws in Miami Gardens
- SR-44 and FR-44 – what the difference?
- The benefits to get an auto insurance
- Reviews of drivers in Miami Gardens, FL
Miami Gardens – introduction
Miami Gardens is a city located in Miami-Dade County, Florida. As with other cities in Florida, drivers in this location are required by law to have auto insurance coverage. Some key things to know about car insurance in Miami Gardens include:
- Minimum coverage requirements: Florida requires drivers to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage and $10,000 in Property Damage Liability (PDL) coverage. Drivers may choose to purchase additional coverage beyond these minimum requirements.
- No-fault insurance: Florida is a no-fault insurance state, which means that drivers are required to carry PIP insurance to cover their own medical expenses and lost wages in the event of an accident, regardless of who was at fault. This is in addition to PDL policy, which covers damages and injuries you may cause to others in an accident.
- Insurance rates: Car insurance rates in Miami Gardens can vary based on a variety of factors, including the driver’s age, driving record, and type of car, as well as the insurance company’s policies. Some insurance companies may offer discounts or special programs for safe driving or good grades.
- SR-22 and FR-44: Drivers in Miami Gardens who have been convicted of certain driving offenses, such as a DUI, may be required to obtain an SR-22 or FR-44 form as proof of insurance.
- Coverage options: In addition to the required minimum coverage, drivers in Miami Gardens may choose to purchase additional coverage options, such as collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
Documents required to get an auto insurance
To obtain auto insurance in Miami Gardens, Florida, you will typically need to provide the following documents:
- Driver’s license: You will need to provide a valid driver’s license or state ID card.
- Vehicle information: You will need to provide information about the vehicle you want to insure, including the make, model, year, and VIN (vehicle identification number).
- Proof of ownership: If you own the vehicle outright, you will need to provide proof of ownership, such as a title or registration. If you are making payments on the vehicle, you may need to provide proof of financing or a lienholder’s information.
- Insurance history: If you have had previous auto insurance coverage, you may need to provide proof of your insurance history, such as a copy of your previous policy or a letter from your previous company.
- Personal information: You will need to provide personal information, including your name, address, phone number, and email address.
- Payment information: You will need to provide payment information, such as a credit card or bank account number, to pay for your insurance coverage.
What affects the car insurance?
| Factor |
Description |
| Driving record |
Drivers with a history of accidents, tickets, or other violations may have higher insurance rates. |
| Age |
Younger drivers and older drivers may have higher insurance rates due to their increased risk of accidents. |
| Gender |
Statistically, male drivers tend to have more accidents than female drivers, which can result in higher insurance rates for men. |
| Type of vehicle |
High-end or sports cars may have higher rates due to their higher value and increased risk of theft or accidents. |
| Location |
Drivers in urban or high-traffic areas may have higher rates due to their increased risk of accidents. |
| Credit score |
In some states, insurance companies may consider a driver’s credit score when determining insurance rates. Drivers with poor credit may have higher rates. |
| Coverage options |
The type and amount of coverage you choose can affect your insurance rates. More comprehensive coverage or higher coverage limits may result in higher rates. |
| Discounts and rewards |
Drivers who qualify for discounts or rewards, such as safe driver discounts or good student discounts, may be able to lower their insurance rates. |
| Deductible |
The amount of your deductible, or the amount you pay out of pocket in the event of an accident, can affect your insurance rates. Higher deductibles may result in lower rates. |
How much is car insurance in Miami Gardens, FL?
The cost of car insurance in Miami Gardens, FL can vary depending on a number of factors, including the driver’s age, driving record, type of vehicle, and coverage options. According to recent data, the median cost of car insurance in Miami Gardens is around $1,724 per year for a basic policy with minimum coverage requirements. However, the cost can vary widely depending on individual factors and the insurance company’s policies. Drivers who choose to purchase additional coverage options or higher coverage limits may pay more for their insurance. Additionally, drivers who have a history of accidents or violations may face higher rates.
Best cheap car insurance companies in Miami Gardens, Florida in 2024
| Company |
Cost Range |
Rate |
Documents Required |
| Geico |
$1,100 – $2,000 |
Good |
Driver’s license, vehicle information, insurance history |
| State Farm |
$1,200 – $2,200 |
Good |
Driver’s license, vehicle information, insurance history |
| Progressive |
$1,300 – $2,400 |
Average |
Driver’s license, vehicle information, insurance history |
| Allstate |
$1,400 – $2,500 |
Average |
Driver’s license, vehicle information, insurance history |
| Liberty Mutual |
$1,500 – $2,800 |
High |
Driver’s license, vehicle information, insurance history |
Cheapest insurance rates by category in 2024
The cost of car insurance can be a significant expense for drivers in Florida, and it’s important to find affordable coverage that meets your needs. When shopping for car insurance, it can be helpful to compare rates from different companies and understand how factors such as your driving record, age, and type of vehicle can impact your insurance costs. In this abstract, we will explore the cheapest insurance rates by category in Florida, including rates for different age groups, types of vehicles, and coverage options. By understanding these rates and factors, drivers in Florida can make informed decisions when choosing the best coverage for their needs and budget.
Teen drivers, young adults (20, 30 years old), adults (40, 50 years old), seniors (60, 70-year old)
| Category |
Age Range |
Average Annual Cost |
| Teen drivers |
16-19 |
$5,400 – $7,800 |
| Young adults |
20-30 |
$2,800 – $4,200 |
| Adults |
40-50 |
$2,200 – $3,500 |
| Seniors |
60-70 |
$2,200 – $3,300 |
Married vs unmarried drivers
| Marital Status |
Average Annual Cost |
| Unmarried drivers |
$2,800 – $4,200 |
| Married drivers |
$2,200 – $3,500 |
Military drivers
| Company |
Median Annual Cost |
| Geico |
$1,300 – $1,800 |
| USAA |
$1,200 – $1,500 |
| State Farm |
$1,400 – $1,900 |
| Progressive |
$1,500 – $2,000 |
| Allstate |
$1,600 – $2,100 |
Free-accident drivers
| Company |
Average Annual Cost |
| Geico |
$1,300 – $1,700 |
| State Farm |
$1,400 – $1,800 |
| Progressive |
$1,500 – $2,000 |
| Allstate |
$1,600 – $2,100 |
| Liberty Mutual |
$1,700 – $2,200 |
Cheapest options after a speeding ticket, for a liability-only, for a DUI, after an incident
| Category |
Company |
Average Annual Cost |
| Cheapest options after a speeding ticket |
Geico, State Farm, Progressive |
$2,000 – $3,500 |
| Liability-only coverage |
Geico, State Farm, Progressive |
$1,000 – $2,000 |
| DUI conviction |
Geico, State Farm, Progressive |
$3,000 – $5,000 |
| After an accident or incident |
Geico, State Farm, Progressive |
$2,500 – $4,500 |
Car insurance options for a bad credit
| Category |
Company |
Average Annual Cost |
| Cheapest options after a speeding ticket |
Geico, State Farm, Progressive |
$2,000 – $3,500 |
| Liability-only coverage |
Geico, State Farm, Progressive |
$1,000 – $2,000 |
| DUI conviction |
Geico, State Farm, Progressive |
$3,000 – $5,000 |
| After an accident or incident |
Geico, State Farm, Progressive |
$2,500 – $4,500 |
Sports cars
| Car Brand |
Model |
Cost |
Companies |
| Chevrolet |
Camaro |
$1,800 – $2,500 |
Geico, State Farm, Progressive, Allstate |
| Dodge |
Charger |
$1,900 – $2,600 |
Geico, State Farm, Progressive, Allstate |
| Ford |
Mustang |
$1,700 – $2,400 |
Geico, State Farm, Progressive, Allstate |
| Nissan |
GT-R |
$2,500 – $3,500 |
Geico, State Farm, Progressive, Allstate |
| Porsche |
911 |
$3,000 – $4,500 |
Geico, State Farm, Progressive, Allstate |
| Lamborghini |
Huracan |
$5,000 – $7,000 |
Geico, State Farm, Progressive, Allstate |
No-fault insurance laws in Miami Gardens
Florida is a no-fault insurance state, which means that drivers are required to carry personal injury protection (PIP) insurance coverage as part of their car insurance policy. PIP insurance provides coverage for medical expenses, lost wages, and other related expenses resulting from a car accident, regardless of who was at fault for the accident.
Under Florida’s no-fault insurance laws, drivers are required to carry a minimum of $10,000 in PIP coverage and $10,000 in property damage liability (PDL) coverage. However, drivers may choose to purchase additional coverage beyond these minimum requirements.
It’s important to note that no-fault laws do not eliminate the possibility of a driver being held responsible for damages caused in an accident. If a driver’s actions result in serious injuries or damages to another driver, they may still be sued for damages beyond the limits of their insurance coverage. Additionally, drivers may still be required to carry liability coverage for bodily injury liability (BIL) in some cases, such as if they are convicted of a DUI or if they have been involved in a previous accident.
SR-44 and FR-44 – what the difference?
| Type of Filing |
Purpose |
Required Coverage |
Issued By |
Required Period |
| SR-44 |
Financial Responsibility Insurance |
Provides proof of insurance to the state after certain driving infractions, such as DUI or a serious accident |
Liability insurance (minimum $10,000 property damage and $10,000 personal injury protection) |
Typically 3 years |
| FR-44 |
Financial Responsibility Insurance |
Similar to SR-44, but specifically required for drivers convicted of DUI |
Liability insurance with higher minimums ($100,000 for bodily injury per person, $300,000 for bodily injury per accident, and $50,000 for property damage) |
Typically 3 years |
Advantages to get an auto insurance
| Advantage |
Description |
| Protection against financial loss |
Auto insurance provides financial protection in case of an accident or theft, which can help cover the cost of repairs, medical bills, and other expenses. Without insurance, the driver may be responsible for these costs out of pocket. |
| Legal compliance |
Auto insurance is required by law in most states, and failure to carry insurance can result in penalties, fines, and even legal consequences. Having insurance ensures legal compliance and can provide peace of mind. |
| Coverage for third-party damages |
Auto insurance can provide coverage for damages caused to other vehicles, property, or individuals in case of an accident. This can help protect the driver from legal or financial consequences resulting from a lawsuit or liability claim. |
| Personal injury protection |
Some policies provide coverage for medical expenses, lost wages, and other related expenses resulting from a car accident, regardless of who was at fault for the accident. This can help ensure that the driver and their passengers have access to medical care and support in case of an injury. |
| Additional benefits |
Some auto insurance policies may offer additional benefits, such as roadside assistance, rental car coverage, or discounts on other insurance products. These benefits can add value and convenience to the policy. |
Reviews of drivers in Miami Gardens, FL
There are reviews from drivers who have issued car insurance in Florida. Many websites and online platforms offer reviews and ratings of insurance companies based on the experiences of actual customers. Some popular websites for car insurance reviews include NerdWallet, The Zebra, and Consumer Reports.
These reviews can provide valuable insight into the customer service, claims handling, and overall satisfaction of the companies. It’s important to note that reviews are subjective and may not necessarily reflect the experience of every customer. It’s always a good idea to review multiple sources of information and conduct your own research before making a decision about your car insurance coverage.
