Car Insurance Cost in Miami, FL – 2022 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 $2,940 per year, which is 87.6% more than the U.S. overall average rate of $1,567. Per month, Miami drivers can expect to pay an average of $245 for full coverage auto insurance.

The average car insurance expense in Florida is $2,228 per year, so Miami, FL, drivers pay an average of $712 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 $780 per year more than in Jacksonville, $80 per year more than in Tampa, and $356 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 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. Physical damage 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.Data last updated on July 14, 2022
Miami, FL, Car Insurance Cost by Driver Risk Profile
Average Car Insurance Cost in Miami, FL
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$6,664$555
Safe Driver Age 20$5,840$487
At-fault Accidents Age 40$4,146$346
Low Deductibles Age 40$3,820$318
Safe Driver Age 30$3,096$258
Safe Driver Age 40$2,940$245
Safe Driver Age 50$2,678$223
Safe Driver Age 60$2,628$219
High Deductibles Age 40$2,488$207
Discount Rate Age 40$2,444$204

Average rates in the chart range from $2,444 per year for a 40-year-old driver who qualifies for many discounts to $6,664 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 $2,940 per year.

As a monthly amount, the average cost to insure a vehicle in Miami ranges from $204 to $555 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 – $10,542 per year or $879 per month
  • 17-year-old driver – $9,844 per year or $820 per month
  • 18-year-old driver – $9,194 per year or $766 per month
  • 19-year-old driver – $8,312 per year or $693 per month
  • 20-year-old driver – $5,840 per year or $487 per month
  • 30-year-old driver – $3,096 per year or $258 per month
  • 40-year-old driver – $2,940 per year or $245 per month
  • 50-year-old driver – $2,678 per year or $223 per month
  • 60-year-old driver – $2,628 per year or $219 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for the 2022 model year with $500 physical damage deductibles. Average car insurance cost in Miami includes all Zip Codes and vehicle trim levels.Data last updated on July 14, 2022
Car Insurance Cost for Teens in Miami, Florida
Average Car Insurance Cost in Miami, FL for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$10,542$9,844$9,194$8,312
Female$9,280$8,754$7,974$7,392

Car insurance for a 16-year-old female driver in Miami costs an average of $1,262 less than a male driver per year, while at age 19, the cost difference is smaller but males still pay $920 more per year.

The rates mentioned previously consist of an average based on every 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Miami car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Miami Zip Codes.Data last updated on July 14, 2022
Miami, FL, Car Insurance Rates for Popular Vehicles
Miami, FL, Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Forester$2,550$213
Honda CR-V$2,578$215
Toyota RAV4$2,782$232
Ford F150$2,846$237
Nissan Sentra$2,872$239
Toyota 4Runner$2,872$239
Nissan Rogue$2,882$240
Ford Escape$2,894$241
Toyota Camry$2,896$241
Honda Pilot$2,984$249
Hyundai Santa Fe$3,070$256
Chevrolet Silverado$3,164$264
Jeep Cherokee$3,270$273
Ram Truck$3,364$280

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 $1,596 less annually than a 20-year-old driver, $1,804 compared to $3,400.
  • Miami auto insurance rates are more expensive than the Florida state average – $2,940 (Miami average) compared to $2,228 (Florida average)
  • Teenage females have cheaper rates than teen males – Female drivers age 16 to 19 pay $920 to $1,262 less per year than their male counterparts.
  • Miami car insurance cost is more than the U.S. average – $2,940 (Miami average) versus $1,567 (U.S. average)
  • Car insurance gets cheaper as you get older – Car insurance rates for a 50-year-old driver in Miami are $1,840 per year cheaper than for a 20-year-old driver.
  • Average car insurance cost per month ranges from $128 to $512 – 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 $900 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 Chevrolet Trailblazer, Mazda CX-5, Buick Encore, and Subaru Crosstrek.

Average auto insurance rates for those small SUVs cost $2,454 or less per year, or $205 per month, to have full coverage.

Additional vehicles that rank well in our insurance cost comparison are the Acura RDX, Subaru Ascent, Subaru Forester, and Hyundai Kona.

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 $2,556 or less per year, or $213 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 Cost Monthly Cost
1Mazda CX-5$2,238$187
2Nissan Kicks$2,296$191
3Chevrolet Trailblazer$2,310$193
4Honda Passport$2,364$197
5Subaru Crosstrek$2,364$197
6Chevrolet Colorado$2,422$202
7Toyota C-HR$2,422$202
8Buick Encore$2,434$203
9Nissan Rogue Sport$2,454$205
10Hyundai Venue$2,498$208
11Buick Envision$2,506$209
12Kia Seltos$2,510$209
13Ford Maverick$2,516$210
14Acura RDX$2,524$210
15Subaru Ascent$2,528$211
16Toyota Corolla Cross$2,528$211
17Hyundai Kona$2,544$212
18Subaru Forester$2,550$213
19Mazda MX-5 Miata$2,552$213
20Subaru Impreza$2,552$213
21Volkswagen Tiguan$2,556$213
22Chevrolet Spark$2,566$214
23Honda CR-V$2,578$215
24Cadillac XT4$2,586$216
25Mazda CX-30$2,602$217
26Ford Ranger$2,614$218
27Honda HR-V$2,646$221
28Ford Edge$2,654$221
29Ford Ecosport$2,668$222
30Chevrolet Trax$2,700$225

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Miami, FL.Data last updated on July 14, 2022
    Top 30 Cheapest Auto Insurance Rates in Miami

    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 is more affordable to insure.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Miami car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Miami Zip Codes.Data last updated on July 14, 2022
    Average Miami, FL, Auto Insurance Rates by Vehicle Segment
    Miami Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$2,750$229
    Midsize Pickup$2,826$236
    Minivan$2,964$247
    Midsize SUV$2,978$248
    Compact Car$3,030$253
    Midsize Car$3,066$256
    Half-ton Pickup$3,198$267
    Compact Luxury SUV$3,308$276
    Large SUV$3,318$277
    Compact Luxury Car$3,338$278
    Large Car$3,404$284
    Heavy Duty Pickup$3,510$293
    Midsize Luxury SUV$3,554$296
    Midsize Luxury Car$3,896$325
    Sports Car$4,152$346
    Large Luxury SUV$4,446$371
    Large Luxury Car$4,652$388

    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 $2,364 per year up to the Rivian R1S costing $3,672 per year.

    As another example, in the midsize truck segment, insurance rates range from the Chevrolet Colorado at $2,422 per year to the Rivian R1T costing $3,744 per year, a difference of $1,322 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 Subaru Impreza, Chevrolet Spark, Volkswagen Golf, Subaru Legacy, and Volkswagen Jetta. Rates for for these five models range from $2,552 to $2,862 per year.

    Also ranking well in our comparison are cars like the Honda Insight, Kia K5, Nissan Sentra, and Toyota Corolla, with an average car insurance cost of $2,896 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 $213 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 Subaru Impreza at $2,552 per year, or $213 per month. For midsize models, the Subaru Legacy is cheapest to insure at $2,854 per year, or $238 per month. And for full-size non-luxury cars, the Toyota Avalon is the cheapest model to insure at $3,088 per year, or $257 per month.

    The comparison table below ranks the twenty cars with the lowest-cost auto insurance rates in Miami, starting with the Subaru Impreza at $213 per month and ending with the Chevrolet Malibu at $255 per month.

    Cheapest Cars to Insure in Miami, FL
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$2,552$213
    Chevrolet SparkCompact$2,566$214
    Volkswagen GolfCompact$2,830$236
    Subaru LegacyMidsize$2,854$238
    Honda InsightMidsize$2,860$238
    Volkswagen JettaCompact$2,862$239
    Nissan SentraCompact$2,872$239
    Kia K5Midsize$2,890$241
    Toyota CorollaCompact$2,894$241
    Toyota CamryMidsize$2,896$241
    Kia RioCompact$2,904$242
    Volkswagen PassatMidsize$2,908$242
    Honda CivicCompact$2,914$243
    Mazda 3Compact$2,928$244
    Mazda 6Midsize$2,932$244
    Toyota PriusCompact$2,942$245
    Hyundai AccentCompact$2,980$248
    Hyundai VelosterCompact$3,006$251
    Kia ForteCompact$3,012$251
    Chevrolet MalibuMidsize$3,060$255

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Miami, FL.Data last updated on July 14, 2022
      Cheapest Cars to Insure in Miami, FL

      Some of the more popular car models with auto insurance rates higher than the top 20 models listed above include the Chrysler 300 at an average of $3,152 per year ($263 per month), the Hyundai Elantra costing an average of $3,322 ($277 per month), the Hyundai Sonata at $3,352 ($279 per month), and the Nissan Maxima costing an average of $3,286 ($274 per month).

      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 Mazda CX-5 at $2,238 per year, Nissan Kicks at $2,296 per year, Chevrolet Trailblazer at $2,310 per year, and Honda Passport at $2,364 per year.

      Additional models that have cheaper rates include the Toyota C-HR, Buick Envision, Hyundai Venue, and Nissan Rogue Sport, with average rates of $2,506 per year or less.

      Auto insurance in Miami for this segment for a middle-age safe driver starts at an average of $187 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/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$2,238$187
      Nissan KicksCompact$2,296$191
      Chevrolet TrailblazerCompact$2,310$193
      Honda PassportMidsize$2,364$197
      Subaru CrosstrekCompact$2,364$197
      Toyota C-HRCompact$2,422$202
      Buick EncoreCompact$2,434$203
      Nissan Rogue SportCompact$2,454$205
      Hyundai VenueCompact$2,498$208
      Buick EnvisionCompact$2,506$209
      Kia SeltosCompact$2,510$209
      Subaru AscentMidsize$2,528$211
      Toyota Corolla CrossCompact$2,528$211
      Hyundai KonaCompact$2,544$212
      Subaru ForesterCompact$2,550$213
      Volkswagen TiguanCompact$2,556$213
      Honda CR-VCompact$2,578$215
      Mazda CX-30Compact$2,602$217
      Honda HR-VCompact$2,646$221
      Ford EdgeMidsize$2,654$221

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Miami, FL.Data last updated on July 14, 2022
        Cheapest SUVs to Insure in Miami, FL

        Just because a SUV is popular doesn’t mean it will have cheap car insurance. Some examples include the Ford Escape at an average of $2,894 per year ($241 per month), the Hyundai Santa Fe at $3,070 ($256 per month), the Ford Explorer at $2,766 ($231 per month), and the Chevrolet Traverse costing an average of $3,030 ($253 per month).

        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 Ford Mustang, BMW Z4, Subaru WRX, and Toyota GR86. The 2022 model has an average cost of $2,552 per year for a full-coverage insurance policy.

        Additional sports cars that rank well in our comparison are the Audi TT, Chevrolet Corvette, Toyota GR Supra, and Subaru BRZ, with average rates of $3,810 per year or less.

        Additional vehicles that made the list include the Jaguar F-Type, Dodge Challenger, BMW M4, Porsche 718, and Lexus RC F, which cost between $3,810 and $4,852 per year for insurance.

        Auto insurance rates in Miami for this segment for a good driver starts at an average of $213 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 $213 per month and ending with the Lexus LC 500 at $404 per month.

        Cheapest Sports Cars to Insure in Miami, FL
        Make/Model Vehicle Type Annual Cost Monthly Cost
        Mazda MX-5 MiataSports Car$2,552$213
        Ford MustangSports Car$3,104$259
        BMW Z4Sports Car$3,170$264
        Subaru WRXSports Car$3,348$279
        Toyota GR86Sports Car$3,432$286
        Toyota GR SupraSports Car$3,508$292
        Audi TTSports Car$3,584$299
        Subaru BRZSports Car$3,694$308
        Chevrolet CorvetteSports Car$3,710$309
        BMW M3Sports Car$3,810$318
        Porsche 718Sports Car$3,980$332
        Chevrolet CamaroSports Car$4,080$340
        Lexus RC FSports Car$4,176$348
        Dodge ChallengerSports Car$4,188$349
        Mercedes-Benz AMG GT53Sports Car$4,252$354
        Jaguar F-TypeSports Car$4,446$371
        Porsche TaycanSports Car$4,568$381
        Porsche 911Sports Car$4,678$390
        BMW M4Sports Car$4,690$391
        Lexus LC 500Sports Car$4,852$404

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Miami, FL.Data last updated on July 14, 2022
          Cheapest Sports Cars to Insure in Miami, FL

          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 $2,422 per year, the Ford Maverick at $2,516 per year, and the Ford Ranger at $2,614 per year.

          Additional pickups that have affordable average insurance rates include the GMC Canyon, Ford F150, Hyundai Santa Cruz, and Jeep Gladiator, with an average cost to insure of $2,892 per year or less.

          Full-coverage insurance in this segment for a middle-age safe driver can cost as low as $202 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/Model Vehicle Size Annual Cost Monthly Cost
          Chevrolet ColoradoMidsize$2,422$202
          Ford MaverickMidsize$2,516$210
          Ford RangerMidsize$2,614$218
          Toyota TacomaMidsize$2,734$228
          Nissan FrontierMidsize$2,804$234
          Hyundai Santa CruzMidsize$2,828$236
          GMC CanyonMidsize$2,834$236
          Ford F150Full-size$2,846$237
          Honda RidgelineMidsize$2,868$239
          Jeep GladiatorMidsize$2,892$241
          GMC SierraFull-size$2,998$250
          Nissan TitanFull-size$3,108$259
          Chevrolet SilveradoFull-size$3,164$264
          Toyota TundraFull-size$3,164$264
          Ford F350 Super DutyHeavy Duty$3,198$267
          Chevrolet Silverado HD 3500Heavy Duty$3,218$268
          Nissan Titan XDHeavy Duty$3,306$276
          Ram TruckFull-size$3,364$280
          GMC Sierra 2500 HDHeavy Duty$3,436$286
          GMC Sierra 3500Heavy Duty$3,464$289

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Miami, FL.Data last updated on July 14, 2022
            Cheapest Pickups to Insure in Miami, FL

            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 Volvo S60, Acura ILX, BMW 330i, Acura TLX, and Mercedes-Benz A220. Car insurance quotes for these models average $3,158 or less per year.

            Rounding out the top 10 are models like the BMW 230i, Alfa Romeo Giulia, Lexus RC 300, and BMW 330e, with average annual insurance rates of $3,266 per year or less.

            Additional 2022 models that rank well include the Audi S3, Lexus RC 350, Cadillac CT5, Audi A3, and Audi A4, which cost between $3,266 and $3,422 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 $226 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 ILX at $2,710 per year and ending with the Audi S3 at $3,422 per year.

            Cheapest Luxury Cars to Insure in Miami, FL
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$2,710$226
            Mercedes-Benz A220Compact$2,894$241
            BMW 330iCompact$3,112$259
            Acura TLXCompact$3,128$261
            Volvo S60Compact$3,158$263
            BMW 330eCompact$3,170$264
            BMW 228iCompact$3,190$266
            BMW 230iCompact$3,210$268
            Lexus RC 300Midsize$3,264$272
            Alfa Romeo GiuliaCompact$3,266$272
            Cadillac CT4Compact$3,268$272
            Lexus RC 350Compact$3,278$273
            Genesis G70Compact$3,322$277
            Mercedes-Benz AMG CLA35Midsize$3,342$279
            BMW i4Midsize$3,360$280
            Cadillac CT5Midsize$3,368$281
            Audi A3Midsize$3,402$284
            Audi A4Compact$3,410$284
            Mercedes-Benz AMG CLA45Midsize$3,420$285
            Audi S3Compact$3,422$285

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Miami, FL.Data last updated on July 14, 2022
              Cheapest Luxury Cars to Insure in Miami, FL

              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 $2,524 per year, Cadillac XT4 at $2,586 per year, Volvo XC40 at $2,834 per year, and Cadillac XT5 at $2,896 per year.

              Not the cheapest luxury SUVs to insure, but still very reasonable, are models like the Lexus NX 350, BMW X1, Lexus UX 250h, and Lexus NX 350h, with average cost of $3,008 per year or less.

              As a cost per month, full-coverage car insurance in this segment starts at an average of $210 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 $2,524 per year, or $210 per month. For midsize 2022 models, the Cadillac XT5 has the cheapest rates at $2,896 per year, or $241 per month. And for full-size luxury SUV models, the Volvo XC90 is most affordable to insure at $3,186 per year, or $266 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/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$2,524$210
              Cadillac XT4Compact$2,586$216
              Volvo XC40Compact$2,834$236
              Cadillac XT5Midsize$2,896$241
              Lexus NX 250Compact$2,928$244
              BMW X1Compact$2,934$245
              Lexus NX 350hCompact$2,948$246
              Lexus UX 250hCompact$2,952$246
              Lexus NX 350Compact$3,000$250
              Lexus UX 200Compact$3,008$251
              Jaguar E-PaceMidsize$3,020$252
              Lexus RX 350Midsize$3,032$253
              Acura MDXMidsize$3,048$254
              Lincoln NautilusMidsize$3,076$256
              Lexus NX 450hCompact$3,084$257
              Mercedes-Benz GLB 250Compact$3,092$258
              Lexus RX 450hMidsize$3,100$258
              Land Rover EvoqueCompact$3,114$260
              Infiniti QX50Midsize$3,116$260
              Lincoln CorsairCompact$3,120$260

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Miami, FL.Data last updated on July 14, 2022
                Cheapest Luxury SUVs to Insure in Miami, FL

                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 $236 per year for a 40-year-old driver and $456 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 $496 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 $88 and $307 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.