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Cheapest Car Insurance Rates in Miami Gardens, florida

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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.

ProviderAverage Annual Rate
State Farm$2,926

Miami Gardens, florida Car Insurance Rates by Age

Depending on the age of the driver, car insurance rates in Miami Gardens can vary. On average, insurance companies require younger drivers to pay higher rates than older drivers due to age being considered a risk factor when qualifying for insurance rates. White Chip Insurance is committed to providing cheap car insurance in Miami Gardens to all drivers, despite their age.

AgeAverage Annual Rate
16 - 19$8,624

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 affordable car insurance no matter which category you fall into.

Gender and Marital StatusAverage 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 RecordAverage Annual Rate
Reckless Driving$4,607
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 ScoreAverage 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 Codes

33025, 33054, 33167, 33168, 33179

Least Expensive Miami Gardens, florida ZIP Codes

33024, 33055, 33161, 33169, 33180

Local Amenities in Miami Gardens, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Miami Gardens, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What company has the cheapest car insurance in Florida?

Some of the most popular car insurance providers in Florida include State Farm, Allstate, GEICO, Progressive, and USAA. The cheapest rate varies on a driver-by-driver basis.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $2,309 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Miami Gardens is $3,048.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, like hurricanes and floods, and also has a high rate of car theft. Also, Florida is a no fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. All of these factors result in an increase to all types of insurance in Florida.

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How much is car insurance near Miami Gardens, FL?
MiamiFort LauderdaleOrlando
OcalaSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Port St. LucieGainesvilleCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

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