Driving Conditions in Miami Gardens, florida
At White Chip Insurance we understand the importance of finding the best carriers for our clients.
134Rainy Days a Year
63 in.Average Annual Rainfall
0 in.Average Annual Snowfall
Miami Gardens, florida Car Insurance Rates by Provider
With a variety of car insurance providers to choose from in Miami Gardens, Florida, such as Geico, Progressive, State Farm, Allstate, and USAA, it is crucial to compare rates and coverage options to ensure you are receiving the best policy possible. White Chip Insurance has existing relationships with each of these carriers and is able to ensure you will be quoted the cheapest car insurance rates in all of Miami Gardens.
|Provider||Average Annual Rate|
Miami Gardens, florida Car Insurance Rates by Gender and Marital Status
Most states have laws prohibiting insurance companies from using gender as a basis for determining rates. Most likely, you will not find gender bias in car insurance quotes in Miami Gardens, FL. Although, you will typically find higher insurance rates for female drivers in Miami Gardens. Married couples often have lower car insurance rates than single drivers because it is assumed that married drivers will take fewer risks behind the wheel than single drivers. In Miami Gardens, FL, divorced or widowed drivers find an increase in their insurance rates than single or married drivers. White Chip Insurance will ensure to find you the cheapest rates no matter which categories you fall into.
|Gender and Marital Status||Average Annual Rate|
Miami Gardens, florida Car Insurance Rates by Driving Record
Car insurance rates are determined by many factors including the driver’s driving record. A driver with a clean driving record is likely to have lower car insurance premiums than someone with a poor driving record. Insurers may also offer discounts for drivers with clean records or reward them with lower rates. Conversely, drivers with poor driving records may be charged higher rates or be required to pay higher deductibles. Drivers who have had a DUI conviction or multiple traffic violations may be charged significantly higher rates. In Miami Gardens, Florida, the average car insurance rate for a driver with a clean record is $2,200 per year, while the average rate for a driver with a poor record is $4,441 per year.
|Driving Record||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$4,254|
|At-fault Accident (damages greater than $2,000)||$4,254|
|Speeding Ticket (16-20mph over speed limit)||$3,844|
Miami Gardens, florida Car Insurance Rates by Credit Score
Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.
Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Miami Gardens, Florida to drivers of all credit scores. Contact us today to learn more.
|Credit Score||Average Annual Rate|
|300 - 579||$6,265|
|580 - 669||$3,792|
|670 - 739||$3,048|
|740 - 799||$2,744|
|740 - 799||$2,408|
Cheapest Area Codes in Miami Gardens, florida
Miami Gardens, Florida car insurance can be more expensive depending on where the company is located and if it's in close proximity to affluent amenities. If the surrounding area has safe neighborhoods, top-tier education options, and/or elite job opportunities, the insurance rates can be affected. The most expensive zip code in Miami Gardens, Florida is 33180 with an average home value of $543,141, and the least expensive zip code is 33179 with an average home value of $283,910.
Most Expensive Miami Gardens, florida zip Code
33025, 33054, 33167, 33168, 33179
Least Expensive Miami Gardens, florida zip Code
33024, 33055, 33161, 33169, 33180