Driving in Miami means dealing with crowded roads, fast-paced traffic, and sudden weather changes like heavy rain or flooding. The city’s mix of tourists and local drivers adds to the unpredictability. The right car insurance policy helps protect your finances if your car is damaged on Miami roads.

The area’s dense population and weather can mean drivers there pay higher premiums than in less populous parts of the state, so it’s wise to comparison shop for a good rate. We’ve gathered data from Jerry customers in Miami to show you what pricing you can expect depending on factors like your age, location within the city, coverage needs and driving history.

Cheapest minimum coverage insurance in Miami

Florida has lower minimum car insurance coverage requirements than many other states. Drivers in Florida must have the following coverages:

• $10,000 in personal injury protection (PIP) coverage.
• $10,000 in property damage liability coverage.

Here are some of the cheapest quotes that drivers in Miami received for the minimum coverage via Jerry.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Miami

Florida gets hurricanes and tropical storms that bring flooding, winds and coastal water surges. The state’s minimum required insurance likely won’t protect your finances if your car is damaged by severe weather, but full coverage, which combines collision and comprehensive insurances, can. This type of coverage includes damage to your vehicle after an accident that you cause, as well as animal collisions and theft.

Here are the cheapest quotes for drivers in Miami who chose full coverage, based on Jerry’s quote data.

Cheapest car insurance for young drivers in Miami (18-29 years old)

Young drivers are often quoted higher rates than older drivers because insurers view their limited experience on the road as a risk. Here are the cheapest quotes young Miami drivers have received via Jerry.

Cheapest car insurance for mature drivers in Miami (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Miami

A clean record can be a major help when you’re shopping for a low car insurance rate. These are some of the cheapest rates that Miami drivers with clean records were quoted via Jerry.

Cheapest car insurance for drivers with low credit scores in Miami

Drivers with low credit scores often pay higher car insurance premiums than those with high scores, which means you may have to do extra comparison shopping to find a good rate. Here are the cheapest quotes that insurers provided via Jerry to Miami drivers with credit scores below 550.

Cheapest car insurance for drivers with at-fault accidents in Miami

Cheapest car insurance for drivers with speeding tickets in Miami

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.