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Cheapest Car Insurance Rates in Miramar, florida

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Driving Conditions in Miramar, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

135Rainy Days a Year
64 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Miramar, florida Car Insurance Rates by Provider

There are many car insurance providers in Miramar, Florida to choose from, so it is best to compare rates and coverage options to find the best policy for you. Some of the top providers in the area include Geico, Progressive, State Farm, Allstate, and USAA. Each company offers a variety of discounts and coverage options, so it's important to compare the rates and coverage to find the best fit for your needs. White Chip Insurance has established relationships with all these carriers so we can ensure you will receive the cheapest car insurance rate.

ProviderAverage Annual Rate
State Farm$2,200
GEICO$2,535
Progressive$3,301
Allstate$3,603

Miramar, florida Car Insurance Rates by Age

Car insurance rates in Miramar, Florida vary depending on the age of the driver. Generally, younger drivers pay higher rates than older drivers because insurance companies use age as a risk factor when determining premiums. White Chip Insurance is dedicated to offering the cheapest car insurance rates to drivers of all ages. The following is a list of average car insurance rates in Miramar, Florida, by age range:

AgeAverage Annual Rate
16 - 19$8,018
20s$3,567
30s$2,770
40s$2,710
50s$2,536
60s$2,595
70s$3,175

Miramar, florida Car Insurance Rates by Gender and Marital Status

In Miramar, Florida, car insurance rates do not typically differ based on gender. This is because car insurance companies cannot use gender as a factor in their pricing models. Some states have laws that prohibit insurers from using gender as a factor when setting rates. In Miramar, Florida, female drivers pay slightly more than male drivers on average. Marital status can affect car insurance rates. Married couples generally pay less for car insurance than single drivers because they are seen as more responsible and less likely to take risks behind the wheel. In Miramar, Florida, divorced or widowed drivers can expect to pay slightly higher rates than single or married drivers. White Chip Insurance will ensure you receive affordable car insurance in Miramar, Florida.

Gender and Marital StatusAverage Annual Rate
Married$2,667
Divorced$2,784
Widowed$2,732
Female$2,846
Male$2,784
Single$2,667

Miramar, 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 Miramar, Florida, the average car insurance rate for a driver with a clean record is $1,906 per year, while the average rate for a driver with a poor record is $3,877 per year.

Driving RecordAverage Annual Rate
DUI/DWI$4,171
Reckless Driving$4,311
At-fault Accident (damages less than $1,000)$3,877
At-fault Accident (damages greater than $2,000)$3,877
Speeding Ticket (16-20mph over speed limit)$3,530

Miramar, 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 Miramar, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 579$5,586
580 - 669$3,433
670 - 739$2,784
740 - 799$2,513
740 - 799$2,224

Cheapest Area Codes in Miramar, florida

Some zip codes in Miramar, Florida are more expensive due to their proximity to desirable areas with better job prospects, educational opportunities, and access to amenities such as shopping, dining, and entertainment. Other factors that can contribute to higher prices in certain areas include quality of schools and safety of the neighborhood. The most expensive zip code in Miramar, Florida is 33022, with an average home value of $842,000. The least expensive zip code in Miramar, Florida is 33027, with an average home value of $291,000. We will work to make sure you get cheap car insurance in Miramar.

Most Expensive Miramar, florida ZIP Codes

33023, 33025, 33027, 33055, 33083

Least Expensive Miramar, florida ZIP Codes

33018, 33019, 33021, 33022, 33029

Local Amenities in Miramar, 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.

Miramar, 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?

The average cost of car insurance in Florida is $2,309 per year, according to the Insurance Information Institute. The most expensive car insurance by city in Florida is 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 Miramar is $2,784.

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 Miramar, FL?
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TampaOcalaMiami
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Port St. LucieMiami GardensGainesville
Coral Springs Lehigh AcresClearwater
Palm BayPompano BeachWest Palm Beach
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

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