For infrequent drivers, one of the more important things that aid in calculating the price you pay for insurance is the neighborhood you call home. Cities with larger populations or higher claim trends will most likely have higher rates, whereas areas that tend to be more rural have the gratification of cheaper auto insurance rates.
The illustration below lists the most costly cities in Florida for low mileage drivers to buy auto insurance in. Miami ranks #3 with the yearly price of $3,273 for the average policy, which is about $273 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,273 |
| 4 | Miami Beach | $3,013 |
| 5 | Miramar | $2,709 |
| 6 | Tampa | $2,636 |
| 7 | West Palm Beach | $2,599 |
| 8 | Hollywood | $2,552 |
| 9 | Coral Springs | $2,549 |
| 10 | Pompano Beach | $2,518 |
| 11 | Pembroke Pines | $2,481 |
| 12 | Fort Lauderdale | $2,475 |
| 13 | Davie | $2,448 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,219 |
| 16 | Clearwater | $2,172 |
| 17 | Orlando | $2,090 |
| 18 | Jacksonville | $2,040 |
| 19 | Spring Hill | $2,039 |
| 20 | Port St. Lucie | $1,994 |
| 21 | Cape Coral | $1,917 |
| 22 | Lakeland | $1,845 |
| 23 | Tallahassee | $1,784 |
| 24 | Palm Bay | $1,750 |
| 25 | Gainesville | $1,630 |
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Premium amounts are approximated as zip code location can lower or raise prices significantly.
Deciphering which company offers the most affordable car insurance rates for low mileage drivers involves a tad more effort in order to find the lowest price. Each auto insurer has a different formula for setting rates, so we’ll take a look at the lowest cost car insurance companies in Miami.
Best Auto Insurance Prices in Florida
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,712 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,914 |
| 7 | Allied | $1,985 |
| 8 | State Farm | $2,068 |
| 9 | Esurance | $2,102 |
| 10 | Auto-Owners | $2,107 |
| 11 | GEICO | $2,150 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,575 |
| 15 | MetLife | $2,870 |
| 16 | Safeco | $2,927 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,457 |
| 20 | Direct General | $4,062 |
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USAA quotes some of the best car insurance rates in Miami at around $948 per year. This is $1,500 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also qualify as some of the cheaper Miami, FL car insurance companies.
In the above example, if you buy coverage from Progressive and switched to Amica, you could see savings of in the neighborhood of $153. Florida drivers with Travelers may save as much as $194 a year, and Mercury customers might reduce rates by $220 a year.
It’s important to note that these rates are averaged for all drivers and vehicles and do not take into consideration a vehicle location for low mileage drivers. So the company that can offer you the lowest price may not even be in the list above. That’s why you need to get rate quotes using your own specific driver and vehicle information.
The type of vehicle requiring insurance is probably the most important factor when looking for low-cost insurance for low mileage drivers. Vehicles with reasonable performance levels, excellent safety ratings, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The data below presents insurance costs for a number of the most cost-effective automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Explorer XLT 2WD | $3,061 |
| Honda Accord LX 4-Dr Sedan | $3,121 |
| Hyundai Elantra GLS Touring Station Wagon | $3,131 |
| Chevrolet Impala LS | $3,162 |
| Chevrolet Malibu LS | $3,226 |
| Jeep Wrangler Sport 4WD 2-Dr | $3,237 |
| Ford Escape XLS 4WD | $3,342 |
| Toyota Corolla XLE | $3,394 |
| Toyota Camry SE | $3,402 |
| Honda CR-V EX-L 4WD | $3,421 |
| Toyota Prius | $3,454 |
| Nissan Altima Hybrid 4-Dr Sedan | $3,463 |
| Ford F-150 STX Regular Cab 4WD | $3,499 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $3,578 |
| Ford Edge SEL AWD | $3,627 |
| Volkswagen Jetta 2.0T Station Wagon | $3,645 |
| Kia Optima SX | $3,690 |
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in vehicle location which can raise or lower premiums considerably.
Based upon these rates, makes and models like the Ford Explorer, Honda Accord, Hyundai Elantra, and Chevrolet Impala will definitely be some of the most affordable vehicles to insure for infrequent drivers.
Get discount Miami auto insurance
Car insurance companies that offer coverage for low mileage drivers may provide discounts that could lower prices by as much as 25% or more if you meet specific eligibility requirements. A few of the larger companies and a selection of discounts include:
- State Farm may offer discounts for Drive Safe & Save, multiple policy, good driver, safe vehicle, anti-theft, and passive restraint.
- American Family has savings for bundled insurance, early bird, good student, good driver, and defensive driver.
- GEICO offers discounts including defensive driver, multi-policy, good student, membership and employees, and driver training.
- 21st Century may have discounts that include good student, early bird, driver training, anti-lock brakes, defensive driver, 55 and older, and automatic seat belts.
- Progressive offers premium reductions for homeowner, online quote discount, online signing, good student, multi-policy, multi-vehicle, and continuous coverage.
The illustration below shows the difference between insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, safe-driver, marriage, multiple vehicle, homeowner, and accident-free discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for low mileage drivers is 28% or $785.
Miami car insurance companies
Choosing the highest-rated insurance company is hard considering how many choices drivers have in Miami. The information below can help you analyze which auto insurers you want to consider comparing prices from. The rankings below only include companies that write coverage in many states, so smaller regional companies are not included in this list.
Top 10 Large Auto Insurance Companies in Miami Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Large Auto Insurance Companies in Miami Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
If you aren’t clear which coverage you need and would like to have some advice when comparing insurance rates for low mileage drivers, the professional agents shown below can probably help you determine which coverages and limits you need. To find a Miami insurance agent nearest to you, click the button at the bottom of the list.
- Eguino and Associates Insurance Agency, Inc.
7229 SW 24th St – Miami, FL 33155 – (305) 266-1700 - AV Insurance Agency Inc
2497 NW 79th St – Miami, FL 33147 – (305) 696-2291 - Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543 - GEICO Insurance Agent
8514 SW 8th St – Miami, FL 33144 – (305) 595-2911 - Oliva Insurance Agency Inc
370 Miracle Mile – Miami, FL 33134 – (305) 270-1447
View more Miami, FL insurance agencies
How to find low-cost insurance for low mileage drivers
Here are many thrifty suggestions that can help Miami drivers buy more affordable coverage.
- Maintain a clean driving record
- Drop full coverage on older vehicles
- Avoid accidents and claims
- Try paying for small claims out-of-pocket
- Higher deductibles save money
- Shop around for cheaper prices
The last idea is remarkably valuable, as was emphasized in this article. Coverage rates adjust frequently, so drivers shouldn’t be reluctant to switch to a new company if you find a better deal.
Being loyal to a particular company is commendable, but is isn’t recommended if that inflexibility results in costing you a lot of money. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for low mileage drivers in Miami.