Car Insurance Cost in Miami, FL – 2025 Rates + Rankings

How much does car insurance cost in Miami, FL? Sit back and find out as we compare cheap rates for over 150 cars, trucks, and SUVs in Miami, Florida.

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How much does car insurance cost in Miami?

In Miami, the average cost to insure a vehicle is $3,096 per year, which is 32.9% more than the U.S. overall average rate of $2,221. Per month, Miami drivers can expect to pay an average of $258 for full coverage auto insurance.

The average car insurance expense in Florida is $2,754 per year, so Miami, FL, drivers pay an average of $342 more per year than the overall Florida state-wide average rate. The average cost of auto insurance in Miami compared to other Florida locations is around $642 per year more than in Jacksonville, $66 per year more than in Tampa, and $292 per year more expensive than in St. Petersburg.

The next chart summarizes car insurance cost in Miami, Florida, for different common policy situations. Rates are averaged for all Miami Zip Codes and shown for a variety of different driver ages, policy deductibles, and policy risk factors.

Average car insurance rates in Miami for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Miami for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Miami includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Miami, FL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,122$594
Safe Driver Age 20$6,232$519
At-fault Accidents Age 40$4,384$365
Low Deductibles Age 40$4,052$338
Safe Driver Age 30$3,306$276
Safe Driver Age 40$3,096$258
Safe Driver Age 50$2,746$229
High Deductibles Age 40$2,604$217
Discount Rate Age 40$2,572$214
Safe Driver Age 60$2,570$214

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average rates in the chart range from $2,572 per year for a 40-year-old driver who qualifies for many discounts to $7,122 per year for a 20-year-old driver with too many violations and accidents. The rate used in this article to compare different vehicles is the 40-year-old safe driver rate, which is an average cost of $3,096 per year.

As a monthly amount, the average cost to insure a vehicle in Miami ranges from $214 to $594 for the same annual rate data shown in the chart above.

Car insurance rates vary considerably and are impacted by a lot of factors. Due to the high likelihood of rate variability, this stresses the need to get accurate auto insurance quotes when looking for the cheapest Miami car insurance.

Driver age significantly impacts the cost of auto insurance, so the list below details how age impacts cost by breaking out average car insurance rates in Miami for young, middle-age, and senior drivers.

Average car insurance rates in Miami for drivers age 16 to 60

  • 16-year-old driver – $11,030 per year or $919 per month
  • 17-year-old driver – $10,687 per year or $891 per month
  • 18-year-old driver – $9,576 per year or $798 per month
  • 19-year-old driver – $8,722 per year or $727 per month
  • 20-year-old driver – $6,232 per year or $519 per month
  • 30-year-old driver – $3,306 per year or $276 per month
  • 40-year-old driver – $3,096 per year or $258 per month
  • 50-year-old driver – $2,746 per year or $229 per month
  • 60-year-old driver – $2,570 per year or $214 per month

The rates above for teen drivers were based on a male driver. The next chart goes into more detail for teenage car insurance rates and illustrates average car insurance rates for teenagers by gender. Females are generally cheaper to insure, especially up to age 20.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Miami includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Miami, FL for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$11,030$10,301
17-Year-Old$10,687$10,239
18-Year-Old$9,576$8,836
19-Year-Old$8,722$7,373

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

Car insurance for a 16-year-old female driver in Miami costs an average of $729 less than a male driver per year, while at age 19, the cost difference is smaller but males still pay $1,349 more per year.

The rates mentioned previously consist of an average based on every 2024 vehicle model, which is suitable when making big picture comparisons like the average cost difference between two Florida cities. For more useful auto insurance comparisons, however, we will get better data if we use rates for the specific model of vehicle being insured.

In the next few sections of this article, we go into much more detail for specific models, but for now, let’s just look at a handful of the more popular vehicles to see how car insurance prices measure up in Miami.

The chart below displays the cost of car insurance in Miami for some of the more popular cars, trucks, and SUVs.

Average cost to insure popular 2024 model year vehicles in Miami.
Figure 3: Average cost to insure popular 2024 model year vehicles in Miami. Rates updated on June 26, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Miami Zip Codes.

Miami, FL, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$2,640$220
Subaru Forester$2,756$230
Nissan Rogue$2,784$232
Ford Escape$2,826$236
Nissan Sentra$2,836$236
Toyota RAV4$2,854$238
Honda Pilot$3,014$251
Hyundai Santa Fe$3,150$263
Toyota 4Runner$3,320$277
Toyota Camry$3,326$277
Chevrolet Silverado$3,428$286
Ford F150$3,466$289
Ram Truck$3,580$298

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Miami, FL Zip Codes. Updated June 26, 2025

The vehicles that have high popularity in Miami tend to be small or midsize cars like the Honda Civic, Hyundai Elantra, and Kia K5 and compact or midsize SUVs like the Toyota RAV4 and Ford Explorer.

Other popular models from other vehicle segments include luxury SUVs like the Infiniti QX60 and Lexus RX 350, luxury cars like the Lexus ES 350 and Infiniti Q50, and pickup trucks like the Ram 1500 and Chevy Silverado.

We explore more rates a little farther in this article, but first, let’s look at the comparisons and key concepts that were covered up to this point.

  • Auto insurance rates decrease substantially in your twenties – The average 30-year-old Miami driver will pay $2,926 less annually than a 20-year-old driver, $3,306 compared to $6,232.
  • Miami auto insurance rates are more expensive than the Florida state average – $3,096 (Miami average) compared to $2,754 (Florida average)
  • Teenage females have cheaper rates than teen males – Female drivers age 16 to 19 pay $1,349 to $729 less per year than their male counterparts.
  • Miami car insurance cost is more than the U.S. average – $3,096 (Miami average) versus $2,221 (U.S. average)
  • Car insurance gets cheaper as you get older – Car insurance rates for a 50-year-old driver in Miami are $3,486 per year cheaper than for a 20-year-old driver.
  • Average car insurance cost per month ranges from $214 to $919 – That’s the average car insurance cost range for drivers age 16 to 60 in Miami.
  • Low deductibles cost more than high deductibles – A 20-year-old driver pays an average of $1,666 more per year for a policy with $250 deductibles versus $1,000 deductibles.

What are the cheapest vehicles to insure in Miami?

The models with the lowest cost average insurance prices in Miami tend to be compact SUVs like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Nissan Kicks.

Average auto insurance rates for those small SUVs cost $2,516 or less per year, or $210 per month, to have full coverage.

Additional vehicles that rank well in our insurance cost comparison are the Buick Encore, Subaru Outback, Volkswagen Taos, and Buick Envista.

Average auto insurance rates are a few dollars per month higher for those models than the crossovers and small SUVs that rank at the top, but they still have average rates of $2,696 or less per year, or $225 per month.

The next table ranks the cheapest vehicles to insure in Miami, ordered by annual cost.

Top 30 Cheapest Auto Insurance Rates in Miami
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,288$191
2Chevrolet Trailblazer$2,326$194
3Kia Soul$2,416$201
4Nissan Kicks$2,438$203
5Honda Passport$2,466$206
6Buick Envision$2,482$207
7Toyota Corolla Cross$2,496$208
8Hyundai Venue$2,516$210
9Mazda CX-5$2,526$211
10Ford Bronco Sport$2,536$211
11Volkswagen Tiguan$2,562$214
12Acura RDX$2,588$216
13Nissan Murano$2,602$217
14Buick Encore$2,630$219
15Subaru Outback$2,636$220
16Honda CR-V$2,640$220
17Buick Envista$2,650$221
18Volkswagen Taos$2,654$221
19Kia Niro$2,666$222
20Toyota GR Corolla$2,690$224
21Subaru Ascent$2,694$225
22Honda HR-V$2,696$225
23Nissan Leaf$2,714$226
24Chevrolet Colorado$2,728$227
25Lexus NX 250$2,740$228
26Honda Civic$2,742$229
27Volkswagen Atlas$2,746$229
28Acura Integra$2,752$229
29Subaru Forester$2,756$230
30Volkswagen Atlas Cross Sport$2,760$230

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Miami, FL Zip Codes. Updated June 26, 2025

Top 30 cheapest vehicles to insure in Miami, FL with the Subaru Crosstrek ranking first at $2,288 per year
Top 30 cheapest vehicles to insure in Miami, FL with the Subaru Crosstrek ranking first at $2,288 per year

A list of 30 of the cheapest vehicles to insure in Miami is fine if you just want the lowest rates. Considering the fact that we rate over 700 vehicles, less than 4% of makes and models are shown in the table. So let’s dig deeper and display the models with the cheapest rates in a format that is more usable, by automotive segment.

The section below goes into more detail about the average cost of car insurance for each different vehicle segment. This will provide a good understanding of which types of vehicles have the overall most affordable average auto insurance rates. Then the sections after the chart show the 20 models with the cheapest rates in each unique segment.

Miami auto insurance rates by automotive segment

If you’re looking around at new or used cars, it’s useful to have a basic understanding of which types of vehicles are cheaper to insure. To illustrate this, maybe you’re wondering if midsize SUVs have cheaper insurance than full-size SUVs or which size of pickup has the cheapest rates.

The next chart shows average car insurance rates in Miami for different vehicle segments. When comparing rates from a segment perspective, compact SUVs and midsize pickup trucks tend to have the least expensive average rates, while sports cars and performance luxury models have the most expensive rates.

Car insurance average cost by automotive segment in Miami, FL.
Figure 4: Car insurance average cost by automotive segment in Miami, FL. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Miami Zip Codes.

Car Insurance Rates by Automotive Segment in Miami, FL
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,846$237
Midsize SUV$3,058$255
Compact Car$3,060$255
Minivan$3,064$255
Midsize Pickup$3,124$260
Midsize Car$3,158$263
Compact Luxury SUV$3,356$280
Compact Luxury Car$3,406$284
Large SUV$3,418$285
Half-ton Pickup$3,434$286
Heavy Duty Pickup$3,562$297
Midsize Luxury SUV$3,678$307
Midsize Luxury Car$3,798$317
Sports Car$4,256$355
Large Car$4,454$371
Large Luxury SUV$4,792$399
Large Luxury Car$4,954$413

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Miami, FL Zip Codes. Updated June 26, 2025

Rates by segment are fine for blanket comparisons, but rates range significantly within each vehicle category listed in the above chart.

For example, in the midsize SUV segment, Miami insurance rates range from the Honda Passport at $2,466 per year up to the Rivian R1S costing $3,810 per year.

As another example, in the midsize truck segment, insurance rates range from the Chevrolet Colorado at $2,728 per year to the Rivian R1T costing $3,864 per year, a difference of $1,136 within that segment.

In the sections going forward, we remove some of this variability by comparing the cost of car insurance in Miami for specific cars, trucks, and SUVs.

Cheapest cars to insure in Miami

The top five cheapest non-luxury sedans and hatchbacks to insure in Miami are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Rates for for these five models range from $2,690 to $2,846 per year.

Also ranking well in our comparison are cars like the Toyota Prius, Honda Accord, Kia K5, and Chevrolet Malibu, with an average car insurance cost of $3,018 per year or less.

As a cost per month, full-coverage insurance on this segment in Miami for a middle-age safe driver can cost as low as $224 per month, depending on where you live and the company you use.

If rates are ranked by vehicle size, the most budget-friendly compact car to insure in Miami is the Toyota GR Corolla at $2,690 per year, or $224 per month. For midsize models, the Kia K5 is cheapest to insure at $2,984 per year, or $249 per month. And for full-size non-luxury cars, the Chrysler 300 is the cheapest model to insure at $2,950 per year, or $246 per month.

The comparison table below ranks the twenty cars with the lowest-cost auto insurance rates in Miami, starting with the Toyota GR Corolla at $224 per month and ending with the Mazda 3 at $267 per month.

Cheapest Cars to Insure in Miami, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,690$224
Nissan LeafCompact$2,714$226
Honda CivicCompact$2,742$229
Nissan SentraCompact$2,836$236
Subaru ImprezaCompact$2,846$237
Toyota PriusCompact$2,894$241
Kia K5Midsize$2,984$249
Honda AccordMidsize$2,992$249
Chevrolet MalibuMidsize$3,002$250
Toyota CorollaCompact$3,018$252
Kia ForteCompact$3,022$252
Volkswagen ArteonMidsize$3,044$254
Nissan VersaCompact$3,054$255
Subaru LegacyMidsize$3,058$255
Hyundai Ioniq 6Midsize$3,080$257
Mitsubishi Mirage G4Compact$3,126$261
Volkswagen JettaCompact$3,130$261
Toyota CrownMidsize$3,134$261
Hyundai SonataMidsize$3,140$262
Mazda 3Compact$3,204$267

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Miami, FL Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Miami, FL, with the Toyota GR Corolla ranking first at $2,690 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Miami, FL, with the Toyota GR Corolla ranking first at $2,690 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Miami car insurance quotes from the best auto insurance companies in Florida.

Cheapest SUV insurance rates in Miami

The four cheapest SUVs to insure in Miami are the Subaru Crosstrek at $2,288 per year, Chevrolet Trailblazer at $2,326 per year, Kia Soul at $2,416 per year, and Nissan Kicks at $2,438 per year.

Additional models that have cheaper rates include the Buick Envision, Ford Bronco Sport, Mazda CX-5, and Hyundai Venue, with average rates of $2,536 per year or less.

Auto insurance in Miami for this segment for a middle-age safe driver starts at an average of $191 per month, depending on your company and location. The comparison table below ranks the SUVs with the lowest-cost car insurance in Miami.

Cheapest SUVs to Insure in Miami, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,288$191
Chevrolet TrailblazerCompact$2,326$194
Kia SoulCompact$2,416$201
Nissan KicksCompact$2,438$203
Honda PassportMidsize$2,466$206
Buick EnvisionCompact$2,482$207
Toyota Corolla CrossCompact$2,496$208
Hyundai VenueCompact$2,516$210
Mazda CX-5Compact$2,526$211
Ford Bronco SportCompact$2,536$211
Volkswagen TiguanCompact$2,562$214
Nissan MuranoMidsize$2,602$217
Buick EncoreCompact$2,630$219
Subaru OutbackMidsize$2,636$220
Honda CR-VCompact$2,640$220
Buick EnvistaMidsize$2,650$221
Volkswagen TaosCompact$2,654$221
Kia NiroCompact$2,666$222
Subaru AscentMidsize$2,694$225
Honda HR-VCompact$2,696$225

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Miami, FL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Miami, FL, with the Subaru Crosstrek ranking first at $2,288 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Miami, FL, with the Subaru Crosstrek ranking first at $2,288 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Is your SUV not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Florida.

Cheapest sports cars to insure in Miami

The Mazda MX-5 Miata comes in at #1 as the cheapest sports car to insure in Miami, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model has an average cost of $2,866 per year for a full-coverage insurance policy.

Additional sports cars that rank well in our comparison are the BMW M2, Lexus RC F, Toyota GR Supra, and Nissan Z, with average rates of $3,706 per year or less.

Additional vehicles that made the list include the BMW M4, Chevrolet Corvette, Mercedes-Benz AMG GT53, BMW M3, and Chevrolet Camaro, which cost between $3,706 and $5,248 per year for insurance.

Auto insurance rates in Miami for this segment for a good driver starts at an average of $239 per month, depending on the company and your location. The comparison table below ranks the sports cars with the most affordable auto insurance rates in Miami, starting with the Mazda MX-5 Miata at $239 per month and ending with the Porsche Taycan at $437 per month.

Cheapest Sports Cars to Insure in Miami, FL
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,866$239
Toyota GR86Sports Car$3,264$272
Ford MustangSports Car$3,402$284
BMW Z4Sports Car$3,424$285
Subaru WRXSports Car$3,474$290
Toyota GR SupraSports Car$3,480$290
BMW M2Sports Car$3,580$298
Nissan ZSports Car$3,588$299
Lexus RC FSports Car$3,660$305
Subaru BRZSports Car$3,706$309
BMW M3Sports Car$3,912$326
Porsche 718Sports Car$3,986$332
Chevrolet CamaroSports Car$4,026$336
Chevrolet CorvetteSports Car$4,290$358
Porsche 911Sports Car$4,436$370
BMW M4Sports Car$4,624$385
Lexus LC 500Sports Car$4,644$387
Jaguar F-TypeSports Car$4,884$407
Mercedes-Benz AMG GT53Sports Car$5,126$427
Porsche TaycanSports Car$5,248$437

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Miami, FL Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Miami, FL, with the Mazda MX-5 Miata ranking first at $2,866 per year.
Ranking of the cheapest sports cars to insure in Miami, FL, with the Mazda MX-5 Miata ranking first at $2,866 per year.

Don’t see rates for your sports car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Florida.

Cheapest pickup truck insurance rates in Miami, Florida

The lowest-cost pickups to insure in Miami are the Chevrolet Colorado at $2,728 per year, the Nissan Titan at $2,896 per year, and the Nissan Frontier at $2,930 per year.

Additional pickups that have affordable average insurance rates include the Hyundai Santa Cruz, Toyota Tacoma, Honda Ridgeline, and GMC Canyon, with an average cost to insure of $3,186 per year or less.

Full-coverage insurance in this segment for a middle-age safe driver can cost as low as $227 per month, depending on the company and your location. The table below ranks the twenty pickups with the cheapest insurance in Miami.

Cheapest Pickups to Insure in Miami, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,728$227
Nissan TitanFull-size$2,896$241
Nissan FrontierMidsize$2,930$244
Ford RangerMidsize$2,960$247
Ford MaverickMidsize$3,004$250
Honda RidgelineMidsize$3,074$256
Hyundai Santa CruzMidsize$3,126$261
Toyota TacomaMidsize$3,134$261
GMC Sierra 2500 HDHeavy Duty$3,150$263
GMC CanyonMidsize$3,186$266
Jeep GladiatorMidsize$3,262$272
GMC Sierra 3500Heavy Duty$3,278$273
Chevrolet Silverado HD 3500Heavy Duty$3,312$276
Chevrolet Silverado HD 2500Heavy Duty$3,398$283
GMC SierraFull-size$3,422$285
Nissan Titan XDHeavy Duty$3,426$286
Chevrolet SilveradoFull-size$3,428$286
Ford F150Full-size$3,466$289
GMC Hummer EV PickupFull-size$3,550$296
Ram TruckFull-size$3,580$298

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Miami, FL Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Miami, FL, with the Chevrolet Colorado ranking first at $2,728 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Miami, FL, with the Chevrolet Colorado ranking first at $2,728 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Is your pickup truck missing from the table above? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Miami car insurance quotes from the best companies in Florida.

Cheapest luxury cars to insure in Miami

Ranking at the top for the cheapest Miami car insurance rates in the luxury car segment are the Acura TLX, Acura Integra, Mercedes-Benz CLA250, Lexus IS 300, and BMW 330i. Car insurance quotes for these models average $3,204 or less per year.

Rounding out the top 10 are models like the Genesis G70, Lexus RC 300, Mercedes-Benz AMG CLA35, and Cadillac CT4, with average annual insurance rates of $3,256 per year or less.

Additional 2024 models that rank well include the Audi S3, Jaguar XF, BMW 330e, BMW 228i, and BMW 230i, which cost between $3,256 and $3,472 per year for auto insurance in Miami.

As a cost per month, full-coverage car insurance on this segment in Miami for an average middle-age driver starts at around $229 per month, depending on the company and your location.

The table below ranks the luxury cars with the cheapest car insurance in Miami, starting with the Acura Integra at $2,752 per year and ending with the Audi S3 at $3,472 per year.

Cheapest Luxury Cars to Insure in Miami, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,752$229
BMW 330iCompact$3,154$263
Mercedes-Benz CLA250Midsize$3,186$266
Lexus IS 300Midsize$3,192$266
Acura TLXCompact$3,204$267
Cadillac CT4Compact$3,234$270
Lexus ES 350Midsize$3,234$270
Genesis G70Compact$3,242$270
Mercedes-Benz AMG CLA35Midsize$3,246$271
Lexus RC 300Midsize$3,256$271
Lexus IS 350Compact$3,268$272
Jaguar XFMidsize$3,276$273
Cadillac CT5Midsize$3,338$278
Lexus ES 250Midsize$3,350$279
Lexus RC 350Compact$3,360$280
BMW 330eCompact$3,364$280
BMW 228iCompact$3,370$281
BMW 230iCompact$3,396$283
Lexus ES 300hMidsize$3,400$283
Audi S3Compact$3,472$289

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Miami, FL Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Miami, FL, with the Acura Integra ranking first at $2,752 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Miami, FL, with the Acura Integra ranking first at $2,752 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Miami car insurance quotes from the best companies in Florida.

Cheapest luxury SUV insurance rates in Miami, Florida

The four highest ranking luxury SUV models with the most affordable average insurance rates in Miami are the Acura RDX at $2,588 per year, Lexus NX 250 at $2,740 per year, Cadillac XT4 at $2,796 per year, and Jaguar E-Pace at $2,896 per year.

Not the cheapest luxury SUVs to insure, but still very reasonable, are models like the Lexus UX 250h, Lexus NX 350h, Mercedes-Benz GLB 250, and Lincoln Corsair, with average cost of $2,986 per year or less.

As a cost per month, full-coverage car insurance in this segment starts at an average of $216 per month, depending on the company and your location.

When prices are compared by vehicle size, the most budget-friendly compact luxury SUV to insure in Miami is the Acura RDX at $2,588 per year, or $216 per month. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $2,896 per year, or $241 per month. And for full-size luxury SUV models, the Infiniti QX80 is most affordable to insure at $3,472 per year, or $289 per month.

The next table ranks the twenty luxury SUVs with the most affordable average car insurance rates in Miami.

Cheapest Luxury SUVs to Insure in Miami, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,588$216
Lexus NX 250Compact$2,740$228
Cadillac XT4Compact$2,796$233
Jaguar E-PaceMidsize$2,896$241
Cadillac XT5Midsize$2,920$243
Lexus NX 350hCompact$2,922$244
Lincoln CorsairCompact$2,958$247
Mercedes-Benz GLB 250Compact$2,962$247
Lexus UX 250hCompact$2,970$248
Lexus NX 450hCompact$2,986$249
Infiniti QX50Midsize$3,008$251
Mercedes-Benz GLA250Compact$3,020$252
Mercedes-Benz GLA35 AMGCompact$3,028$252
Cadillac XT6Midsize$3,030$253
Infiniti QX60Midsize$3,046$254
Mercedes-Benz AMG GLB35Midsize$3,050$254
Land Rover EvoqueCompact$3,092$258
Acura MDXMidsize$3,094$258
Lexus NX 350Compact$3,106$259
Lexus RX 350Midsize$3,108$259

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Miami, FL Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Miami, FL, with the Acura RDX ranking first at $2,588 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Miami, FL, with the Acura RDX ranking first at $2,588 per year.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see insurance rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Florida.

Best practices for saving money on auto insurance

Resourceful drivers should always be thinking of ways to pay less for insurance, so scan the tips and ideas below and it’s very likely you can save a few bucks on your next policy purchase.

  • Compare auto insurance rates before buying a car. Different models, and even different trim levels of the same model, have very different costs for insurance, and companies can charge very different rates. Check the cost of insurance before you purchase in order to prevent price shock when you see your first bill.
  • Consider buying higher deductibles. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Earn discounts to save money. Discounts may be available if the policyholders are claim-free, belong to certain professional organizations, drive a vehicle with safety or anti-theft features, are senior citizens, choose electronic billing, or many other discounts which could save the average Miami driver as much as $524 per year.
  • Get a discount from your employer. Just about all car insurance companies offer discounts for being employed in occupations like engineers, architects, nurses, firefighters, high school and elementary teachers, and others. By qualifying for this discount, you could save between $93 and $301 on your auto insurance bill.
  • Shop around and save. Take a couple of minutes to get free car insurance quotes is the best recommendation for saving money. Rates change quite often and switching companies is very easy to do.
  • Remain claim free. Auto insurance companies reduce rates a little if you do not file any claims. Insurance should only be used in the case of significant claims, not for small claims.