Compare Key Biscayne, FL Car Insurance Rates [2024]
Car insurance in Key Biscayne, FL averages $557 a month. Key Biscayne, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Key Biscayne car insurance rates, compare quotes from the top car insurance companies in Key Biscayne, FL.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Key Biscayne, FL after a DUI are $8,110/year
- The cheapest car insurance company in Key Biscayne for teen drivers is Geico
- Average car insurance rates in Key Biscayne, FL are $6,684/year
If you need to buy Key Biscayne, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Key Biscayne, FL is right here.
You’ll find Key Biscayne car insurance rates, the cheapest Key Biscayne, FL car insurance companies, and information on Florida car insurance laws. You can also compare Key Biscayne, Florida car insurance rates to Fort Lauderdale car insurance rates, Port St. Lucie car insurance rates, and Miami car insurance rates.
Ready to find affordable Key Biscayne, FL car insurance today? Enter your ZIP code for fast, free Key Biscayne car insurance quotes.
Cheapest Key Biscayne, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Key Biscayne, FL car insurance rates? Every Key Biscayne, Florida car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $6,394 | $6,068 | $5,541 | $5,613 | $22,569 | $24,399 | $6,279 | $6,342 |
| Geico | $3,617 | $3,631 | $3,379 | $3,379 | $6,552 | $8,229 | $3,994 | $4,046 |
| Liberty Mutual | $6,419 | $6,419 | $5,847 | $5,847 | $14,029 | $21,831 | $6,419 | $8,845 |
| Nationwide | $4,946 | $4,855 | $4,379 | $4,544 | $11,895 | $14,588 | $5,436 | $5,622 |
| Progressive | $4,606 | $4,355 | $3,916 | $4,205 | $13,067 | $14,250 | $5,620 | $5,373 |
| State Farm | $2,805 | $2,805 | $2,530 | $2,530 | $7,743 | $9,806 | $3,118 | $3,303 |
| USAA | $2,336 | $2,308 | $2,151 | $2,158 | $7,894 | $9,260 | $2,959 | $3,230 |
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Minimum Car Insurance in Key Biscayne, FL
Every driver must carry the minimum car insurance in Key Biscayne, FL. Take a look at the Florida car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Key Biscayne, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Key Biscayne, FL. Compare credit history car insurance rates in Key Biscayne from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $14,583 | $9,196 | $7,422 |
| Geico | $6,764 | $4,043 | $3,004 |
| Liberty Mutual | $12,305 | $8,916 | $7,150 |
| Nationwide | $8,942 | $6,416 | $5,742 |
| Progressive | $9,021 | $6,421 | $5,331 |
| State Farm | $5,947 | $3,876 | $3,167 |
| USAA | $6,624 | $3,186 | $2,301 |
Cheapest Key Biscayne, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Key Biscayne, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $8,922 | $10,776 | $11,968 | $9,937 |
| Geico | $3,167 | $4,084 | $6,143 | $5,020 |
| Liberty Mutual | $6,772 | $8,849 | $12,899 | $9,309 |
| Nationwide | $5,978 | $6,591 | $8,909 | $6,654 |
| Progressive | $5,443 | $8,101 | $6,807 | $7,344 |
| State Farm | $3,953 | $4,707 | $4,330 | $4,330 |
| USAA | $3,193 | $3,904 | $5,711 | $3,340 |
Cheapest Key Biscayne, FL Car Insurance for Teen Drivers
Teen car insurance in Key Biscayne, FL can be expensive. Take a look at rates from the top car insurance companies in Key Biscayne for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $22,569 | $24,399 |
| Geico | $6,552 | $8,229 |
| Liberty Mutual | $14,029 | $21,831 |
| Nationwide | $11,895 | $14,588 |
| Progressive | $13,067 | $14,250 |
| State Farm | $7,743 | $9,806 |
| USAA | $7,894 | $9,260 |
Cheapest Key Biscayne, FL Car Insurance for Seniors
Take a look at Key Biscayne, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $5,541 | $5,613 |
| Geico | $3,379 | $3,379 |
| Liberty Mutual | $5,847 | $5,847 |
| Nationwide | $4,379 | $4,544 |
| Progressive | $3,916 | $4,205 |
| State Farm | $2,530 | $2,530 |
| USAA | $2,151 | $2,158 |
Cheapest Key Biscayne, FL Car Insurance Rates After a DUI
A DUI in Key Biscayne, FL increases car insurance rates. Compare Key Biscayne, Florida DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $11,968 |
| Geico | $6,143 |
| Liberty Mutual | $12,899 |
| Nationwide | $8,909 |
| Progressive | $6,807 |
| State Farm | $4,330 |
| USAA | $5,711 |
Read More: Compare Best Car Insurance Companies That Accept DUI
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Cheapest Key Biscayne, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Key Biscayne, FL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $10,104 | $10,697 |
| Geico | $4,581 | $4,626 |
| Liberty Mutual | $9,138 | $9,776 |
| Nationwide | $7,033 | $7,033 |
| Progressive | $6,924 | $6,924 |
| State Farm | $4,173 | $4,488 |
| USAA | $3,990 | $4,084 |
The Best Cheap Car Insurance Companies in Key Biscayne, FL
Take a look at a side-by-side comparison of the top car insurance companies in Key Biscayne, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $10,401 |
| Geico | $4,603 |
| Liberty Mutual | $9,457 |
| Nationwide | $7,033 |
| Progressive | $6,924 |
| State Farm | $4,330 |
| USAA | $4,037 |
Category Winners: Cheapest Car Insurance in Key Biscayne, Florida
Find the cheapest car insurance companies in Key Biscayne, FL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Key Biscayne, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Key Biscayne car insurance rates. Find the cheapest Key Biscayne, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $7,949 | $10,960 | $12,293 |
| Geico | $3,877 | $4,750 | $5,184 |
| Liberty Mutual | $8,817 | $9,685 | $9,870 |
| Nationwide | $5,665 | $7,291 | $8,143 |
| Progressive | $5,886 | $7,074 | $7,813 |
| State Farm | $3,764 | $4,421 | $4,805 |
| USAA | $3,493 | $4,180 | $4,438 |
What affects car insurance rates in Key Biscayne, Florida?
What factors can have an impact on Key Biscayne, FL car insurance? There are several reasons why Key Biscayne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Key Biscayne, Florida.
Car Theft in Key Biscayne
High levels of vehicle theft can make car insurance more expensive. Key Biscayne, FL car theft statistics from the FBI indicate 10 vehicle thefts a year.
Commute Time in Key Biscayne
The more time you spend in your car the higher the risk of an accident. The average commute length in Key Biscayne, FL is 26.4 minutes according to City-Data.
Compare Car Insurance Quotes in Key Biscayne, FL
Ready to find affordable Key Biscayne, Florida car insurance today? Enter your ZIP code for fast, free Key Biscayne, FL car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What are the car insurance requirements in Key Biscayne, FL?
In Key Biscayne, FL, the car insurance requirements are 10/20/10. This means you must have at least $10,000 in bodily injury liability coverage per person, $20,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
How does my driving record affect car insurance rates in Key Biscayne, FL?
Your driving record is one of the key factors that affect your car insurance rates in Key Biscayne, FL. Having a clean driving record with no accidents or violations will generally result in lower insurance rates, while a history of accidents or traffic violations can increase your rates.
Are there any discounts available for car insurance in Key Biscayne, FL?
Yes, many car insurance companies in Key Biscayne, FL offer various discounts that can help you save on your premiums. These discounts may include safe driver discounts, multi-policy discounts, multi-car discounts, and good student discounts. It’s recommended to check with different insurance providers to see which discounts you may be eligible for.
How does my credit score affect car insurance rates in Key Biscayne, FL?
Your credit score can have an impact on your car insurance rates in Key Biscayne, FL. Insurance companies often use credit history as a factor to determine risk. Generally, a higher credit score indicates a lower risk, which can result in lower insurance premiums. It’s important to maintain good credit to potentially get better rates.
How can I find the cheapest car insurance rates in Key Biscayne, FL?
To find the cheapest car insurance rates in Key Biscayne, FL, it’s recommended to compare quotes from multiple insurance companies. You can use online comparison tools or contact insurance agents to gather quotes and compare coverage options. By comparing rates, you can find the most affordable option that meets your needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.