Car Insurance in Miami Gardens, Florida [The Complete Guide]

Let’s be honest — shopping for car insurance isn’t typically at the top of everyone’s list of favorite things to do.

When life gets busy and your schedule is jam-packed with responsibilities and obligations, finding auto insurance in Miami Gardens, Florida might not even make it to your to-do list.

But it should.

We know just how hard it can be to dissect all the information that’s out there to determine which providers offer the most affordable rates and the best coverage options.

With so many car insurance companies on the market to pick from, it’s no easy task to discern the top carriers from the ones that fail to live up to consumer expectations.

Simplify your search for car insurance in Miami Gardens, Florida once and for all. Access quotes for multiple auto insurance companies in Miami Gardens in mere seconds by plugging your zip code into our FREE rate tool. Enter your zip code into the box above to get started!

Now, are you ready to learn everything consumers need to know about car insurance in Miami Gardens, Florida, from the most affordable rates to driving laws to roadway statistics and beyond?

We thought so.

Let’s dive right in.

The Cost of Car Insurance in Miami Gardens

More likely than not, one of the primary factors you will take into account when deciding which car insurance company in Miami Gardens, Florida is the best for your needs is the cost of coverage. And we get it — finding the coverage you want at the rates you need is often no small feat.

We’ve got you covered!

From car insurance rates by gender and age to the key factors that affect rates such as your driving record and credit history — you won’t want to miss this.

Male vs. Female vs. Age

You’ve probably heard the old adage that young teen drivers pay more for auto insurance than older drivers do. Here’s what our researchers discovered.

A study by Data USA revealed that the median age for residents of Miami Gardens, Florida is 35.6 years old.

What does this mean? Well, the data reveals that the lion’s share of motorists who reside in Miami Gardens, Florida won’t have to worry about facing car insurance rates that are above average.

However, as you’ll soon see, there are many other factors that can affect the rates you will ultimately pay for coverage.

In the meantime, check out the table below, indicating how age affects auto insurance rates in Miami Gardens, Florida.

You may have already noticed in the table above that teen drivers are by far charged the highest rates of any age demographic listed while 60-year-old drivers are charged the cheapest rates. In fact, there’s an approximate $9,500 disparity in rates between these two age demographics.

You’ll also note that 35-year old drivers pay the second-cheapest rates city-wide. When you consider that the average age in Miami Gardens is 35.6, these rates present great news for residents across the city.

In addition to motorist age, gender is another major factor that can and will impact your rates for car insurance in Miami Gardens, Florida. In the city of Miami Gardens, male drivers pay an average of $6,972.48 per year for auto insurance, while female drivers are charged around $6,628.62 annually for coverage. 

Take a look at the table here, indicating how age and gender together could either raise or lower your auto insurance rates in Miami Gardens, Florida.

Along with the variances based on age and gender, you may have also noticed that rates for auto coverage in Miami Gardens tend to vary based on the marital status of the driver. This is because your marital status is another component insurers may look at when determining your rates.

The fact of the matter is, single people may pay higher car insurance rates than married drivers. Insurance carriers frequently see marriage as a sign of responsibility and stability, which could indicate that the individual would be sensible behind the wheel as well. The more reliable a person’s driving habits, the less likelihood of an insurance risk they pose.

If these stats have got you down — there are more pieces to the car insurance puzzle than factors like your age, gender, or marital status.

Keep scrolling to find out what else could impact your current and future rates for auto insurance coverage in Miami Gardens, Florida.

Cheapest Zip Codes in Miami Gardens

The table above illustrates the cheapest zip codes in terms of car insurance rates in the city of Miami Gardens, Florida. Your zip code could potentially raise or lower your premiums depending on factors like crime rates or any natural disasters where you live.

It’s also interesting to note that there is a nearly $200 gap in rates for residents who live in the 33056 vs. 33054 zip codes. It just goes to show that the rates for coverage in your city will change based on what part of Miami Gardens you live in.

The average cost of auto insurance in Miami Gardens is $5,432.29, which is right in line with the figures shown here. 

What’s the Best Car Insurance Company in Miami Gardens?

Now you know that elements like your age, gender, marital status, and zip code will all affect your Miami Gardens, Florida auto insurance premiums. However, it often comes down to the precise carrier you pick.

For instance, some auto insurance companies in Miami Gardens, Florida could charge you much higher rates if you have a longer commute to work or cheaper rates if you select low over high coverage levels.

Let’s dig deeper into what this means for your auto insurance policy.

Cheapest Car Insurance Rates by Company

The table below shows the cheapest car insurance rates by the carrier in Miami Gardens, Florida. Is your insurer one of the carriers listed?

As the data here shows, the carrier you decide to pick could ultimately have the most significant effect on the final premiums you pay. Let’s break these stats down into a couple of examples.

Allstate clearly charges the highest rats of all the insurers listed and USAA the cheapest, with an astonishing difference of over $6,100 between each carrier’s average annual rates.

For example. Allstate charges 17-year-old male drivers around $24,051.25 annually, while 35-year-old male insureds pay just $6,472.33 per year in premiums. That’s an over $17,500 difference in rates between these two driver demographics alone.

If you scroll further down to see what a carrier like Nationwide charges these two age groups, you’ll still notice an approximate $10,000 gap in rates charged to 35-year-old male vs. 17-year-old male motorists.

Even USAA, the cheapest carrier in the state, charges teen male drivers around $8,000 more for coverage than they do 35-year-old male drivers. However, teen drivers insured by USAA pay roughly $14,000 less for coverage than teen drivers covered by Allstate do — and that’s just one example of the demographic rate gaps based on the carrier. 

What should you take away from all this? When you’re on the hunt for auto insurance in Miami Gardens, Florida, whether you’re an empty nester or have more than one teen driver in your household, it is vital to pick your insurer based on the rates they charge to your particular motorist demographic.

Look at the big picture when searching for coverage, rather than picking a carrier based on the overarching average rate they charge to consumers alone.

Best Car Insurance for Commute Rates

A 2016 study by the Federal Highway Administration regarding driving habits across the nation showed that Floridians drove 14,465 miles on average that year. The table below indicates just how much your rates could change by based on how long or short your daily commute is.

Interestingly enough, while some auto insurance companies in Miami Gardens, Florida will charge you higher rates if you have a longer commute, some carriers will charge you the exact same rates regardless of commute.

For instance, companies like Progressive and Nationwide show zero changes in premiums for consumers with 10 vs. 25-mile commutes.

On the other hand, Allstate charges insureds with a 25-mile commute around $600 more per year than drivers with only a 10-mile commute.

So, besides the spike in gas mileage that you might see if you have a lengthier daily commute to the office, you could also see a rise in your auto insurance premiums.

Best Car Insurance for Coverage Level Rates

Choosing higher coverage levels is similar to having an emergency backup plan. You hope you’ll never need to draw upon those higher levels of auto insurance coverage, but if you get into a severe wreck, those policy amounts could save you untold time, cost, and stress.

What you do need to know is that if you opt for high over low levels of coverage on your Miami Gardens, Florida auto policy, you may need to prepare yourself to pay steeper annual rates.

Let’s see what the data shows.

All the top carriers in Miami Gardens, Florida will charge you higher rates for high over low coverage levels, but how much more really comes down to the individual insurer.

For example, while USAA charges insureds with high coverage levels roughly $500 more per year than consumers with low levels of coverage, a company like Allstate charges individuals with high vs. low coverage almost $2,000 more annually. That’s not exactly small change!

If you break down the numbers, you’ll see that choosing high coverage levels with a carrier such as USAA would only tack an additional $42 a month or so onto your insurance bill. If you pick a company like Allstate, you’re looking at roughly $167 more on your monthly bill.

The moral of the story here is that you absolutely can select higher levels of coverage for greater peace of mind without paying an exorbitant auto insurance bill — it is primarily a matter of the carrier you end up choosing.

Best Car Insurance for Credit History Rates

Did you know that your credit score could impact how much you pay for auto insurance in Miami Gardens, Florida?

While a few states forbid insurers to use consumer credit scores as a factor when assessing premiums, Florida car insurance carriers have no such limitations and are free to use your credit history as a deciding component.

The table below reveals just how much having good, fair, or poor credit could affect your auto insurance rates in Miami Gardens, Florida.

The vast majority of car insurance companies in Miami Gardens, Florida will charge you noticeably higher rates if you have a poor credit history vs. a good credit history.

Case in point, Allstate charges insureds with poor credit roughly $8,000 more annually than drivers who have a good credit history. Even USAA who has by far the cheapest average annual rates for coveage in Miami Gardens shows an approximate $5,000 gap in rates based on good vs, poor credit.

The incentive to maintain good credit habits extends far beyond your ability to do things like renting an apartment or buy a house. Depending on the carrier you pick, having good vs. poor credit could mean thousands of dollars saved per year. 

If your credit habits have been less than stellar in the past — no need to despair. It is never too late to start fostering healthy credit card usage.

By working in reducing your debt, paying your bill in a timely manner, and abstaining from spending more than you can reasonably afford to pay off in a given month, you could lower your future auto insurance premiums by a significant amount.

Best Car Insurance for Driving Record Rates

Of course, your driving record is definitely going to be a key component auto insurance companies in Miami Gardens, Florida will take into consideration when determining your rates for coverage.

Review the table below closely to see just how much your rates could go up or down based on your driving history.

Even a single accident or speeding violation could raise your rates by a noteworthy amount. You’ll note that Allstate charges consumers with one DUI on their record about $3,000 more annually than individuals who have a clean driving record.

Liberty Mutual shows an even more remarkable gap in rates for a clean driving record vs. one DUI of roughly $5,100 per year.

If you have one accident in your driving history, carriers like Geico and USAA could be viable contenders for your shortlist, as these companies charge the cheapest rates across the board to motorists with a single accident on their record.

Car Insurance Factors in Miami Gardens

As you’ve likely gathered by now, there isn’t one singular factor that will raise or lower your auto insurance rates in Miami Gardens, Florida, but a combination of many components working together.

Seemingly unrelated factors such as your household income or education can also affect how much you pay for car insurance in Miami Gardens.

Keep reading to discover the other major elements that could impact your rates to see just how much you should expect to pay for coverage in your city.

Median Household Income

According to a study conducted by Data USA, the median household income for residents of Miami Gardens, Florida as of 2017 was $41,139 per year. This figure represented a 5.45 percent increase from 2016 but was still noticeably less than the median annual income for workers across the country of $60,336 annually. 

Consider this. The average cost of auto insurance in Miami Gardens, Florida is $5,432.29. This means that residents are paying out roughly 13.2 percent of their annual earnings just to cover the cost of car insurance.

Plug your annual income into the calculator below to see just how much of your annual earnings are being eaten up by your car insurance rates in Miami Gardens, Florida.

CalculatorPro

Homeownership in Miami Gardens

Did you know that owning a home could actually lower your rates for auto insurance in Miami Gardens, Florida? Insurers typically view insurers who own a home as being more stable and responsible, which means they likely pose much less of a risk to insure when they get behind the wheel.

In addition, since homeowners must pay their house bill each month, car insurance companies also conclude that these individuals will be more likely to fulfill their monthly car insurance obligations as well.

The graph below illustrates the homeownership stats in Miami Gardens, Florida.

Let’s break down the data a bit. As of 2017, Data USA reported that 64.6 percent of homes in Miami Gardens, Florida were occupied by their owner. These numbers actually represented a slight decline in homeownership from the year before which rested at a solid 65 percent.

However, the percentage of homes occupied by their owner in Miami Gardens is still higher than the nationwide average of owner-occupation at 63.9 percent.

The chart above indicates the percentage of homes that are owner-occupied in Miami Gardens (which is represented by the orange bar) as compared to nearby cities, the surrounding region, and the national median.

Next, take a look at the graph below, illustrating the median home property value for residences in Miami Gardens, Florida.

As of 2017, the median property value in Miami Gardens, Florida was $155,700, which represented a noticeable growth from 2016’s median home value of $141,600. The vast majority of homes in Miami Gardens have a property value ranging from $150,000 to $175,000. 

Education in Miami Gardens

In 2016, Miami Gardens, Florida colleges conferred 1,431 degrees on students in the area. The student populace in the city is largely comprised of female students, with a ratio of 3,987 female students enrolled in college as opposed to 2,445 male students.

The largest educational institutions in Miami Gardens, Florida as shown in the infographic above in terms of the number of degrees conferred are:

• St. Thomas University — 864 degrees conferred
• Sullivan and Cogliano Training Center — 268 degrees conferred
• Florida Memorial University — 249 degrees conferred

In 2016, the most popular majors chosen by students in Miami Gardens, Florida were as follows:

• • • Law — 200 degrees conferred
    • Computer Science — 105 degrees conferred
    • General Business Administration and Management — 102 degrees conferred

  

The infographic above illustrates the most popular degrees conferred in 2016 and the percentage each concentration comprised of the total degrees awarded.

Other educational institutions of note both in and around the Miami Gardens, Florida area include:

• Jose Maria Vargas University
• Barry University
• Devry University Florida
• Johnson & Wales University North Miami
• Florida National University
• Broward College
• Key College

Let’s dig deeper to see how components such as race, ethnicity, and gender could alter residents’ income in Miami Gardens, Florida, and therefore how much of their earnings will be eaten up by auto insurance premiums.

Wage by Race and Ethnicity in Common Jobs

In 2017, Data USA reported that the highest-earning ethnic group was Asian workers, followed by Alaska natives and White ethnicities as the second and third highest-earning groups, respectively.

The chart below indicates the average wages for one of the most common jobs, miscellaneous managers, as juxtaposed against the percentage of workers’ income being taken out to cover the costs of auto insurance premiums.

Note how much worker’s earnings, and thus the premiums as a percentage of income amount vary depending on the individual’s race and ethnicity, even though the job role itself is the exact same.

Wage by Gender in Common Jobs

Despite what some may say, the wage gap is still alive and well, as evidenced by Data USA’s most recent findings. Their 2017 study discovered that male workers in Miami Gardens, Florida earn $58,931 a year, while female employees earn just $44,078 in comparison.

This means that male employees in the city made roughly 1.34 times more that year than their female coworkers.

Remember, the average cost of auto insurance in Miami Gardens is $5,432.29. Therefore, while male workers in the city pay around 9.2 percent of their annual income out to cover car insurance premiums, their female counterparts are paying a whopping 12.3 percent.

Poverty by Age and Gender

Age and gender also have their own unique trends as they related to poverty in Miami Gardens, Florida. Currently, females between the ages of 25 and 34 comprise the most significant demographic living below the poverty line in Miami Gardens, Florida. 

Data USA reported that 21.5 percent of residents for whom poverty status was assessed were found to be living under the poverty line, which is considerably higher than the nationwide average of 13.4 percent.

The second and third largest demographics of individuals living below the poverty line in Miami Gardens, Florida are males between the ages of six and 11 and females between the ages of six and 11, respectively.

Poverty by Race and Ethnicity

The same study by Data USA also showed that the largest ethnic groups living beneath the poverty line in Miami Gardens, Florida were as follows:

• Black — 17,027 individuals
• Hispanic — 6,623 individuals
• White — 6,354 individuals

Employment by Occupations

In the period between 2016 and 2017, the workforce in Miami Gardens, Florida grew at a healthy rate of 3.28 percent, seeing an increase from 47.1k workers to 48.7k workers.

The most common job roles based on the number of individuals residing in the city of Miami Gardens are as follows:

• Office and Administrative Support — 8,823 individuals
• Sales and Related Occupations — 5,410 individuals
• Transportation Occupations — 3,312 individuals

The infographic above reveals the highest paid jobs held by Miami Gardens, Florida residents, which individuals working in Computer Science and Mathematical Occupations coming in as the highest earners.

Driving in Miami Gardens

It’s no fun being stuck in traffic. Whether you like to take the back roads or hit the highway, here’s what you need to know about the best driving routes and key traffic stats in Miami Gardens, Florida.

Roads in Miami Gardens

Miami Gardens’ close proximity to downtown Miami could cause a driving headache for residents. From the best road trips to get out of the hustle and bustle for the weekend to traffic camera laws and more, stay tuned.

Let’s jump right in.

Major Highways

Florida’s 12 active interstates make up 1,497.58 miles of roadway stretching across the state. The active interstates are as follows:

• I-4
• I-10
• I-75
• I-95
• I-110
• I-175
• I-275
• I-375
• I-195
• I-295
• I-395
• I-595
• I-795

Interstate 95 is one of the key highways running within the city limits of Miami Gardens. The southern terminus of the state’s toll road, Florida’s Turnpike, is located in Miami Gardens at the Golden Glades interchange.

The Florida Turnpike system makes up 461 roadway miles extending across the state and controlled by the Florida Department of Transportation. The cost to drive on the toll road is largely dependent on the section of the Turnpike you are on and the distance you plan on traveling.

Drivers have multiple options to fulfill toll costs, including paying with cash or with their pre-paid SunPass. With a SunPass, toll rates have a 25 percent discount. There is also a Toll-By-Plate option utilizing all-electronic tolling, which means you will be mailed a toll bill. There is an additional $2.50 service charge with this option.

You can pick from two different types of SunPass transponders to affix to your vehicle. The SunPass Portable is $19.99 plus tax. It is transferable between cars and sticks to your windshield.

The SunPass Mini Sticker is a nontransferable sticker for one vehicle only and costs just $4.99 plus tax. You must have a minimum balance of $10 on either pass to start your account, and you can purchase your pass at an authorized retailer or online as you prefer.

Click here for more information about the SunPass and visit the SunPass website to discover your options for purchasing your pass, promotions, and more.

Popular Road Trips/Sites

As Miami Gardens is part of the Miami metro area and located just about half an hour from downtown, the city is perfectly situated to access any number of fabulous road trip spots throughout the state.

Here are a few fantastic options you may want to consider for your next road trip or weekend out of town!

• The Perfect Long Weekend — If you’re long overdue for a vacation and only have time for a quick getaway, don’t miss these best long weekend destinations near Miami for an instant win all around. From St. Augustine to Cape Canaveral, the perfect long weekend is at your fingertips in Miami Gardens!
• Play Tourist at Home — Don’t feel like straying far from home? No problem! Check out this list of super cool things to do in nearby Miami that will fill your weekend up with some fun. It’s always a blast to play tourist in your own city!
• The Quintessential Central Florida Road Trip — If you’re ready for a more extended weekend away or are just itching to hit the road for a one-of-a-kind road trip, this ultimate central Florida road trip is a must-see.
• Small Town Charm — Ready to get off the beaten path? This road trip through some of Florida’s most beautiful small towns is an incredible experience from beginning to end.
• Soak Up Floridian Culture — Whether you’re a recent transplant or a native of The Sunshine State, don’t miss out on any of these 50 things to do in your state that will keep you busy for many road trips to come!

Road Conditions

There are a number of projects currently underway by FDOT in northern Miami-Dade County close to Miami Gardens, including lighting enhancement and bridge repair plans. Visit FDOT’s North Miami Dade Projects Page to learn more.

Does Your City Use Speeding or Red Light Cameras?

Florida permits the use of red-light cameras across the state but has not yet established legislation regarding speeding cameras. Red light violations can incur a $158 fine but no diving points at this time.

Vehicles in Miami Gardens

Are you curious about vehicle ownership trends in your city? For the latest data on vehicle theft rates and speed traps, keep on reading.

How Many Cars Per Household?

According to Data USA, households in Miami Gardens, Florida have an average of two cars each. The second-largest share of households in the city has three cars each.

Households Without a Car

Despite the fact that most households in Miami Gardens, Florida have at least two vehicles each, some households have zero vehicles. The stats below from 2015 and 2016 indicate the households that depend on other transportation methods besides cars.

• 2015 Households Without Vehicles — 6.50 percent
• 2015 Vehicles Per Household — 1.75
• 2016 Households Without Vehicles — 5.30 percent
• 2016 Vehicles Per Household — 1.71

As you can see, the number of households without a car went down in 2016 from 2015, which is right in line with the average car ownership stats discussed previously.

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Speed Traps in Your City

The good news for residents of Miami Gardens is that the city didn’t rank among the top 10 worst cities in Florida for speed traps. However, nearby Miami ranks number two out of the top 10 worst cities for speed traps in the state. 

What’s the point, here?

You don’t have to venture far from Miami Gardens to encounter some serious speed traps. A speed trap is when a law enforcement officer hides their vehicle and parks them in a hidden location to track motorist speeds via radar guns.

If you’ve ever sped unwittingly by a cluster of trees, only for a police officer to appear seemingly out of nowhere and start the pursuit of your vehicle — you’ve been the victim of a speed trap.

While speed traps are designed to deter unsafe driving habits, they also have the potential to bring in considerable revenue for any city.

By practicing defensive driving habits on the road and staying cognizant at all times, you’ll not only protect any occupants of your vehicle and your fellow drivers on the road but reduce the likelihood of being taken by surprise by a hidden speed trap.

Vehicle Theft in Miami Gardens

The FBI’s 2016 Crime In the U.S. study revealed that there were 419 motor vehicle thefts in Miami Gardens, Florida that year.

An additional study in 2017 by Neighborhood Scout reported the following neighborhoods to be the safest in the city:

• NW 37th Ave/NW 171st St
• NW 47th Ave/NW 194th St
• NW 199th St/NW 32nd Ave
• Andover
• Norland
• NW 12th Ave/NW 199th St
• NW 37th Ave/NW 215th St
• Andover Lakes Estates
• NW 199th St/NW 27th Ave
• Carol City

The map above reveals some of the areas in the city with the highest rates of crime. According to Neighborhood Scout, a resident’s chance of becoming a victim of violent crime in Miami Gardens, Florida is 7.91 per 1,000 residents.

Currently, Miami Gardens ranks number nine on Neighborhood Scout’s crime index, with 100 being the safest. As it stands now, the city is only safer than nine percent of U.S. cities.

The table we have here illustrates the incidence of violent crimes in Miami Gardens, Florida as of 2017. ‘

This table shows the annual number of crimes in Miami Gardens in 2017.

Traffic

Part of staying safe while on Miami Gardens, Florida roads are knowing the road safety data for your city. Here’s a breakdown of the transportation and road fatality stats in Miami Gardens.

Transportation

The average worker in Miami Gardens, Florida has a longer commute than the average U.S. employee of 30.8 minutes. The nationwide median is 25.1 minutes. Furthermore, roughly 3.09 percent of workers in the city have super commutes that are longer than 90 minutes.

Check out the infographic above illustrating the average commute time in Miami Gardens, Florida. Next, take a look at the graph below revealing the various methods of commuter transportation residents across the city depend on to take them from Point A to Point B.

As of 2017, Data USA reported that the most common travel method for workers was Drove Alone, with 82.4 percent of the working population commuting this way to work. Just 8.79 percent of the workforce in Miami Gardens carpools, while 5.32 percent depend on public transit.

How Safe Are Miami Gardens Streets and Roads?

The Federal Highway Administration reported that Interstate 95, which runs through Miami and Miami Gardens is one of the busiest highways in the state. The FHWA included I-95 in their report of urban highways throughout the country with the most lanes, with the highway sporting 12 lanes total.

It doesn’t matter if you’re off-roading or traveling on the highway — knowing and understanding the primary road dangers that roadways in your area present is vital to ensure you stay alert and cognizant whenever you hit rubber to the road.

The following table indicates the most recent data released by the National Highway Traffic Administration or NHTSA regarding road fatalities based on crash and passenger type in Miami-Dade County.

Let this data serve as a valuable informational tool to sharpen your driving habits whenever you get behind the wheel.

The table below reveals the roadway types in Florida with the highest numbers of fatal crashes statewide.

Arterial roads are high capacity roads, so depending on the way traffic filters through an area, the road could be classified as either a highway or a minor arterial road. As you might have already noticed, the highest incidence of road fatalities in Florida occurs on “Unknown” or “Other” roads.

Whether you are on the highway or off the beaten path, road dangers in your area and state are alive and well. Exert caution at all times, even when it may appear that less hazard exists because you are on a backroad or less-traveled roadway.

Allstate America’s Best Drivers Report

While Miami Gardens was not listed in Allstate’s America’s Best Drivers Report, the Miami Metro was.

Allstate’s report revealed that residents in the area have an average of 8.5 years in between claims with the likelihood of a driver filing a claim as compared to the national average is 17.70 percent.

In addition, the Miami metro ranked number 86 in Allstate’s 2018 report, which further revealed that locals have 32.8 hard-braking events per 1,000 miles. A hard-braking event could be a sudden stop to avoid a collision or impediment in the roadway.

Ridesharing

Don’t feel like driving yourself from Point A to Point B? No problem! Below are some of the top rideshare services available in Miami Gardens, Florida listed from least to most expensive to get you from home to your final destination and back safe and sound.

• Taxi
• Uber X
• Curb
• Lyft Premier
• Lyft Lux
• Uber Lux

EStar Repair Shops

The table above reveals the top EStar repair shops near Miami Gardens, Florida. The EStar program is sponsored by insurance carrier Esurance and provides a swift and efficient way to locate the best repair shops near your home.

If you have recently been involved in a collision, finding an EStar repair shop near you could be a lifesaver.

Weather

Based on a recent study conducted by U.S. Climate Data, the average temperatures in Miami and the Miami Gardens area are as follows:

• Annual high temperature — 84.2 F
• Annual low temperature — 69.9 F
• Average temperature — 77.05 F
• Average annual precipitation (rainfall) — 61.93 inches
• Days per year with precipitation (rainfall) — 128 days
• Annual hours of sunshine — 2,903 hours

Miami Gardens and the surrounding area has seen its fair share of natural disasters, with 24 natural disasters total. This figure is considerably higher than the nationwide average of 13. Of these natural disasters, 15 were declared by the President to be a major disaster and the remaining eight were declared emergencies.

When you live in a region with a high incidence of natural disasters, one of the most important steps to take when structuring your ar insurance policy is to include comprehensive coverage.

Comprehensive coverage will pay for damage to your car caused by elements such as a fire or hailstorm, or any other damage stemming from something other than a rollover or accident. Check out the video below for the lowdown on comprehensive coverage!

Public Transit

The Miami-Dade Transit body runs the City of Miami Gardens Orange Line, with 46 stops made along the route. The route commences and terminates at City Hall on 18605 NW 27th Avenue. Click here to access the full schedule.

The Miami Gardens Express Trolley is another convenient way to get around town as needed without a vehicle. Access the Express Route Map here.

Alternate Transportation

Bike and scooter rental providers like Lime and Bird aren’t available in Miami Gardens per se, but they are available in nearby Miami. Whether you’re running errands in the city or want to do something different from your regular car or rideshare provider, a bike or scooter rental makes being a tourist in your own area all the more fun.

Parking in Metro Areas

Parking in the Miami area can be especially limited, and certain parking areas at shopping centers and other prime locations are reserved for patrons only.

Miami Gardens has a number of public station electric vehicle charging ports in the vicinity, with 343 stations in a radius of about nine miles within the city limits. Most ports are level two charging ports and some provide free charging.

Air Quality in Miami Gardens

The vehicles of yesteryear used to release highly toxic fumes into the air, which were extremely harmful to the environment. While the vehicles of today are subject to much more in-depth regulations, pollution is still a viable issue.

Check out the table above, indicating the air quality in Miami-Dade County in the years between 2016 and 2018 according to the EPA (Environmental Protection Agency).

There were a negligible number of days that were classified as Unhealthy for Sensitive Groups, while there were zero days on record for Unhealthy or Days Very Unhealthy.

So, while fuel emissions are something to watch for and try to cut back on as much as is possible, residents of Miami Gardens have a very low level of pollution to contend with.

Military/Veterans

If you or a member of your family is serving or previously served in the military, you could be eligible for special discounts on car insurance in Miami Gardens, Florida.

Sounds like something you need to know, right? Keep reading and you’ll find out.

Veterans by Service Period

Miami Gardens, Florida has a significant populace of former military personnel who served in the Vietnam War. In fact, there are approximately 2.16 times more Vietnam veterans in Miami Gardens than veterans who served in any other conflict.

The second and third most common service periods for resident veterans are the second and first Gulf Wars.

Military Bases Within an Hour

There are military bases in close vicinity to Miami Gardens, Florida, including the following:

• US Army Reserve in Fort Lauderdale
• The U.S. Army Recruiting Center in Lake Worth
• USAREC Miami Battalion in Doral
• The U.S. Naval Reserve Center in West Palm Beach
• Homestead Air Reserve Base in Homestead
• The U.S. Marine Corps Reserve in West Palm Beach

Military Discounts by Provider

The table below reveals the top carriers in Miami Gardens, Florida and across the Sunshine State who provide military discounts to former and current military members.

In addition, USAA also offers discounts on garaging to military personnel. Some car insurance companies don’t reveal the exact amount that can be saved with their military discounts, which is why some of the insurers listed in the table don’t show set values.

However, these carriers do offer military discounts, so be sure to ask about them if applicable when speaking with your insurance agent.

USAA Available in Florida

Auto insurance with USAA is only for military personnel and their families. USAA not only offers the cheapest average annual rates citywide but charges considerably when compared to the state average.

Take a look at the table below to see the numbers for yourself, bearing in mind that the average cost of coverage in The Sunshine State is $4,680.46.

USAA charges roughly 64.2 percent less than the state median rate.

Unique Miami Gardens Laws

Don’t hit rubber to the road again before you familiarize yourself with these laws that all motorists in Miami Gardens, Florida need to know.

Hands-Free Driving Law

The Sunshine State’s newly passed Hands-Free Driving Law makes it a primary offense to drive while distracted. Fines range from $30 for first-time offenders up to $60 for second-time offenses, exclusive of any attorney’s fees or court costs if a driver is charged with distracted driving.

Food Trucks

Miami Gardens is known for its Food Truck Fridays where locals around the region can gather together and enjoy a range of tasty cuisines. If you want to start your own food truck in Miami Gardens, Florida, you will have to comply with both city and county regulations.

Visit Miami-Dade County’s Mobile Sales and Mobile Food Service Operations Requirements and Guidelines page here. Check out the Miami Gardens, Florida Permits and Enforcement page to review local regulations governing food truck operators and to contact the city for additional information.

Tiny Homes

Tiny homes have become an increasingly popular solution to deal with the affordable housing crisis pervading Miami Gardens and the surrounding area. Tiny homes must typically adhere to the same restrictions as RVs and motor homes, such as not parking outside approved areas.

Parking Laws

Drivers are not only subject to Florida statutes when parking, but local Miami-Dade ordinances as well. For instance, parking face the wrong direction could lead to a ticket and fines. Depending on where you need to park, it may be possible to reserve your spot in advance by paying a fee.

When you’re short on time and parking is tight, this could be a preferable option.

Miami Gardens Car Insurance FAQs

If you’re gearing up for a move to Miami Gardens or simply want to brush up on your car insurance knowledge, you won’t want to miss this one-stop-shop Q&A to get all your burning questions answered.

What languages should I know?

As of 2017, Data USA reported that 32.5 percent of residents in Miami Gardens were born outside the country. Helpful languages to know include Spanish or Spanish Creole, French Creole, and French.

How much does it cost to live in Miami Gardens?

Sperling’s Best Places rated Miami Gardens, Florida as having a cost of living of 124.5. Any indices over 100 are more expensive than the nationwide average. Currently, the median price of a home in Miami Gardens is $281,700.

What auto insurance do I have to carry?

Florida drivers must have a minimum of $10,000 personal injury protection coverage and $10,000 property damage coverage on their policy.

What if I get into an auto accident in Miami Gardens?

Florida is a no-fault state. This means that even if you get into an accident that you were not at fault for, your insurance coverage will pay for bills you incur as a result. You can only pursue a case against the at-fault driver if you meet certain injury thresholds.

What are my options for coverage if I’ve been classified as a high-risk driver?

If you have been denied coverage due to a history of violations or tickets, you could qualify for high-risk coverage through the Florida Automobile Joint Underwriting Association. Visit their website to learn more.

What part of this guide was the most helpful to you? We hope you feel more equipped to get behind the wheel safely and to choose the right car insurance provider for your needs in Miami Gardens, Florida.

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