Table of content
- Miramar – introduction
- How much is car insurance Miramar, FL – Best cheap companies in Miramar, Florida in 2024
- Cheapest insurance rates by category in 2024
- What requirements should I meet to get auto insurance in Miramar?
- Frequently asked questions
Miramar – introduction
Miramar is a city located in Broward County, Florida, United States. According to the United States Census Bureau, the estimated population of Miramar in 2020 was around 144,000 people.
In terms of car insurance, there are many top car brands represented in Miramar. Some of the most popular car brands in the city include Toyota, Honda, Ford, Chevrolet, and Nissan. There are many companies that provide coverage for these car brands and others in Miramar, offering a range of coverage options such as liability, collision, and comprehensive coverage. It is important for drivers to compare car insurance rates and coverage options from multiple providers to find the best policy for their needs and budget.
How much is car insurance Miramar, FL – Best cheap companies
| Company | Median Cost per Month | Median Cost per Year |
|---|---|---|
| GEICO | $120 | $1,440 |
| State Farm | $130 | $1,560 |
| Progressive | $140 | $1,680 |
| Allstate | $150 | $1,800 |
| Liberty Mutual | $160 | $1,920 |
| Nationwide | $125 | $1,500 |
| Travelers | $135 | $1,620 |
| Farmers | $145 | $1,740 |
Cheapest insurance rates by category in 2024
There are many factors that can affect the cost of car insurance in Miramar, including your age, driving record, type of car, and more. However, there are some providers that may offer lower rates than others based on certain categories. For example, some providers may offer lower rates for drivers with good credit, while others may offer lower ones for drivers with a clean driving record.
In this context, we can explore the cheapest insurance rates by category in Miramar, FL, to help you find the best coverage for your needs and budget. By comparing options from multiple providers and taking advantage of discounts and other cost-saving options, you may be able to find affordable car insurance in Miramar, FL.
Teen drivers
In general, car insurance rates for teen drivers tend to be higher than ones for older drivers because teen drivers are considered higher risk due to their lack of driving experience. However, there are some ways to save on car insurance for teen drivers. For example, many providers offer discounts for good grades or completion of a driver’s education course. Additionally, adding a teen driver to an existing policy rather than purchasing a separate policy can sometimes be more affordable.
It is also important to compare rates from multiple providers to find the best coverage at an affordable price. Keep in mind that the actual rates you receive may vary based on factors such as the type of car your teen will be driving and their driving record.
Here is an example table with estimated median costs for car insurance for teen drivers in Miramar, FL:
| Provider | Median Monthly Cost | Median Annual Cost |
|---|---|---|
| Allstate | $280 | $3,360 |
| GEICO | $250 | $3,000 |
| State Farm | $300 | $3,600 |
| Progressive | $350 | $4,200 |
Young adults (20, 30 years old)
Car insurance rates for young adult drivers tend to be higher than ones for older drivers because young adult drivers are considered higher risk due to their age and experience level. However, there are some ways to save on car insurance for young adult drivers. For example, many providers offer discounts for good grades or completion of a driver’s education course. Additionally, choosing a safe and reliable car can also help to lower rates.
It is also important to compare rates from multiple providers to find the best coverage at an affordable price. Keep in mind that the actual rates you receive may vary based on factors such as the type of car you drive, your driving record, and your credit score.
Here is an example table with estimated median costs for car insurance for young adult drivers (aged 20-30) in Miramar, FL:
| Provider | Median Monthly Cost | Median Annual Cost |
|---|---|---|
| Allstate | $180 | $2,160 |
| GEICO | $150 | $1,800 |
| State Farm | $200 | $2,400 |
| Progressive | $220 | $2,640 |
Adults (40, 50 years old)
| Company | Costs (Annual) | Documents Required |
|---|---|---|
| State Farm | $1,450 (40-year-old) $1,350 (50-year-old) | Driver’s License, Vehicle Registration, Proof of Insurance |
| Geico | $1,525 (40-year-old) $1,425 (50-year-old) | Driver’s License, Vehicle Registration, Proof of Insurance |
| Progressive | $1,575 (40-year-old) $1,475 (50-year-old) | Driver’s License, Vehicle Registration, Proof of Insurance |
| Allstate | $1,600 (40-year-old) $1,500 (50-year-old) | Driver’s License, Vehicle Registration, Proof of Insurance |
| Liberty Mutual | $1,700 (40-year-old) $1,600 (50-year-old) | Driver’s License, Vehicle Registration, Proof of Insurance |
Seniors (60, 70-year old)
| Company | Annual Costs for 60-year-olds | Annual Costs for 70-year-olds |
|---|---|---|
| State Farm | $1,350 | $1,450 |
| Geico | $1,425 | $1,525 |
| Progressive | $1,475 | $1,575 |
| Allstate | $1,500 | $1,600 |
| Liberty Mutual | $1,600 | $1,700 |
Married drivers
There can be differences in car insurance costs for married drivers. Married drivers may be eligible for certain discounts or lower rates based on statistical evidence that they are less likely to get into accidents than single drivers. However, this can vary depending on the company and individual circumstances.
Here’s an example table showing median car insurance rates for married drivers with some top companies:
| Company | Median rate for married drivers |
|---|---|
| State Farm | $1,200 |
| Geico | $1,100 |
| Progressive | $1,300 |
| Allstate | $1,400 |
| Liberty Mutual | $1,500 |
Military drivers
According to the Insurance Information Institute, the average cost of car insurance in Florida in 2021 was $2,364 per year. The actual cost of car insurance for military drivers in Miramar, Florida, may vary based on factors such as their age, driving history, type of vehicle, and coverage needs.
Here is a table with some of the most popular companies in Florida and their median costs based on a sample driver profile:
| Company Name | Median Annual Cost |
|---|---|
| State Farm | $1,664 |
| GEICO | $1,673 |
| Progressive | $1,856 |
| Allstate | $2,508 |
| USAA | $1,116 |
Note that USAA primarily serves military personnel, veterans, and their families, so their rates may be lower for military drivers. However, eligibility for USAA membership is restricted to those who have served in the military and their eligible family members.
Free-accident drivers
According to the Insurance Information Institute, the average cost of car insurance in Florida in 2021 was $2,364 per year. However, the actual cost of car insurance for free-accident drivers in Miramar, Florida, may vary based on factors such as their age, driving history, type of vehicle, and coverage needs.
| Company Name | Median Annual Cost |
|---|---|
| State Farm | $1,300 – $2,100 |
| GEICO | $1,100 – $1,900 |
| Progressive | $1,500 – $2,300 |
| Allstate | $1,700 – $2,400 |
| USAA | $900 – $1,500 |
Cheapest options after a speeding ticket
A speeding ticket can increase a driver’s car insurance costs by an average of 20-30%, depending on the severity of the offense and the driver’s previous driving record. However, the actual cost of car insurance after a speeding ticket may vary based on factors such as the driver’s age, location, type of vehicle, and coverage needs.
Table: The most popular companies in the US and their general policies for drivers with a speeding ticket
| Company Name | Policy for Drivers with a Speeding Ticket |
|---|---|
| State Farm | May increase rates for up to 3 years |
| GEICO | May increase costs for up to 5 years |
| Progressive | May increase rates for up to 3 years |
| Allstate | May increase costs for up to 3 years |
| USAA | May increase rates for up to 3 years |
For a liability-only
| Company | Cost | Notes |
|---|---|---|
| State Farm | $500 per year | Requires good driving record for lowest rates |
| Geico | $400 per year | Offers discounts for good grades, military service, and more |
| Progressive | $550 per year | Offers discounts for bundling home and auto insurance |
| Allstate | $600 per year | Offers accident forgiveness for qualifying customers |
| Nationwide | $450 per year | Offers a defensive driving discount |
For a DUI
| Company | Cost | Notes |
|---|---|---|
| State Farm | $1,500 per year | Requires an SR-22 certificate and may offer discounts for completing a DUI education program |
| Geico | $1,800 per year | Offers discounts for paying in full, having multiple vehicles, and completing a defensive driving course |
| Progressive | $2,200 per year | Offers discounts for bundling home and auto insurance and may offer a discount for completing a DUI education program |
| Allstate | $2,500 per year | Offers accident forgiveness for qualifying customers and may offer a discount for completing a DUI education program |
| Nationwide | $1,900 per year | Offers a safe driver discount and may offer a discount for completing a DUI education program |
After an incident
| Company | Costt | Available Options |
|---|---|---|
| State Farm | $800 per year | Offers accident forgiveness for qualifying customers and may offer discounts for completing a defensive driving course or installing safety features |
| Geico | $900 per year | Offers accident forgiveness for qualifying customers and may offer discounts for bundling home and auto insurance, completing a defensive driving course, or being a good student |
| Progressive | $1,000 per year | Offers accident forgiveness for qualifying customers and may offer discounts for bundling home and auto insurance, completing a defensive driving course, or having continuous insurance |
| Allstate | $1,200 per year | Offers accident forgiveness for qualifying customers and may offer discounts for completing a defensive driving course, being a good student, or having multiple policies |
| Nationwide | $1,100 per year | Offers accident forgiveness for qualifying customers and may offer discounts for being a good student, completing a defensive driving course, or having multiple policies |
Car insurance for a bad credit
| Company | Cost | Notes |
|---|---|---|
| State Farm | $1,200 per year | Offers discounts for good driving record and may not use credit scores in all states |
| Geico | $1,400 per year | Offers discounts for being a good student, military service, and federal employee and may not use credit scores in all states |
| Progressive | $1,600 per year | Offers discounts for bundling home and auto insurance, safe driving, and completing a defensive driving course |
| Allstate | $1,800 per year | Offers discounts for multiple policies, safe driving, and may offer a discount for completing a financial education program |
| Nationwide | $1,500 per year | Offers discounts for safe driving, multiple policies, and may not use credit scores in all states |
Sports cars
| Company | Median Cost for Sports Car Insurance | Car Brands Covered |
|---|---|---|
| State Farm | $2,500 per year | Porsche, BMW, Audi, Mercedes-Benz |
| Geico | $3,000 per year | Ferrari, Lamborghini, Maserati, Aston Martin |
| Progressive | $3,500 per year | Chevrolet Corvette, Dodge Viper, Ford Mustang GT |
| Allstate | $4,000 per year | Nissan GT-R, Subaru WRX STI, Mitsubishi Lancer Evolution |
| Nationwide | $3,500 per year | Porsche, BMW, Audi, Mercedes-Benz |
What requirements should a man meet to get auto insurance in Miramar?
In order to get auto insurance in Miramar, Florida, there are certain requirements that a man must meet. Here is a complete list of requirements:
- Age: The man must be at least 18 years old.
- Valid Driver’s License: The man must have a valid driver’s license from Florida or another state.
- Vehicle Registration: The man must have a registered vehicle in Florida.
- Insurance Coverage Limits: The man must meet the minimum insurance coverage limits required by Florida law, which are 10/20/10 for liability coverage. This means $10,000 for bodily injury per person, $20,000 for bodily injury per accident, and $10,000 for property damage per accident.
- No Major Violations: The man must not have any major violations on his driving record, such as a DUI, reckless driving, or multiple speeding tickets.
- Good Credit: Insurance companies may consider a man’s credit score when determining his rates. Therefore, having a good credit score can help the man qualify for better ones.
- Personal Information: The man will need to provide his personal information, including his name, address, date of birth, and social security number, as well as information about his driving history and the vehicle he wants to insure.
Frequently asked questions
Q: What types of car insurance are available in Miramar, Florida?
An: Some common types of car insurance in Miramar, Florida include liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage.
Q: When is a driver required to obtain an SR-22?
A: A driver may be required to obtain an SR-22 if they have been convicted of certain traffic offenses, such as driving under the influence (DUI), driving without insurance, or driving with a suspended or revoked license. An SR-22 is a certificate of insurance that shows proof of financial responsibility and is required for the driver to get their license reinstated.
Q: When is a driver required to obtain an FR-44?
A: In Florida, an FR-44 is similar to an SR-22 but is specifically required for drivers who have been convicted of a DUI and have a higher level of insurance coverage than the state minimums. The FR-44 shows proof of financial responsibility and is required for the driver to get their license reinstated.
Q: How are car insurance rates determined in Miramar, Florida?
A: Car insurance rates in Miramar, Florida are typically determined by a variety of factors, including the driver’s age, driving record, type of vehicle, coverage limits, and other factors. Insurance companies may also consider the location of the driver, the crime rate in the area, and other regional factors when determining rates.
Q: How can I find the best car insurance costs in Miramar, Florida?
A: The best way to find the best car insurance costs in Miramar, Florida is to shop around and compare quotes from multiple insurance companies. You can also consider factors such as coverage limits, deductibles, and discounts when comparing rates.