Miramar, FL Car Insurance: Cheap Car Insurance in Miramar, Florida

Miramar, Florida car insurance rates can be up to $4,581 per year for car insurance. To save you unnecessary time and trouble, we compiled the Miramar car insurance rates from different companies in a detailed guide. Car insurance rates in Miramar, Florida, depends on factors that affect your rates such as age, credit history, and driving record.

Continue reading to learn more about car insurance in Miramar and how Florida car insurance discounts can save you money. Then learn about the best auto insurance in Miramar, FL by company, too.

Before we get started, maximize your savings with car insurance companies in Miramar, Florida, when you comparison shop today with our FREE online rate tool. Enter your ZIP code in the box above to get started.

Are you ready? Let’s get down to business.

Miramar Car Insurance Rates

The very first component you’ll likely take into account when choosing a car insurance provider in Miramar, Florida, is the cost of coverage. And of course—it’s natural to want to know what rates you can expect and how to save on annual rates.

Keep reading for a complete breakdown and comparison guide of rates by elements such as zip code, city, driving record, and of course Florida car insurance laws.

Miramar Car Insurance Rates by Age and Gender

The reality is that your age and gender are two very crucial factors car insurance companies take into account when assessing your annual rates.

According to a study conducted by Data USA, the average resident age in Miramar, Florida is 36-years-old. As a result, this data reveals that the lion’s share of motorists in the city don’t need to worry about skyrocketing car insurance rates.

Let’s dig deeper.

Take a look at the table below to see how your age could dramatically alter the rates insurance carriers charge for car coverage in Miramar, Florida.

It shouldn’t come as a shock that teen student drivers in Florida pay the highest rates of all, while 60-year old drivers pay the least for coverage. You’ll notice that 17-year-old motorists are charged approximately $8,000 more in annual rates!

The older the driver is, the lower their rates tend to be. If you glance at the table above, you’ll also see that while 25-year-old drivers pay the second highest rates, they still pay over $7,000 less in annual rates than teen drivers do.

In addition to your age, gender is another key component that can have a noticeable impact on the rates you pay for car insurance in Miramar, Florida.

In Miramar, Florida, male drivers are charged approximately $5,795.59 in annual rates, while females pay out $5,488.78 yearly for coverage. So, female drivers pay roughly $300 less per year in policy rates than male drivers do.

Take a close look at the table below, indicating how age and gender together affect your rates in Miramar, Florida.

In addition to your age and gender, your marital status can and will often affect the rates carriers charge. The idea here is that married drivers are more established and stable in life, making them more likely to practice mindful, responsible driving habits.

Check out the video below for a quick overview of how your marital status could impact your car insurance rates.

Now, let’s take a look at some of the other vital factors that carriers take into account when assessing the rates they will charge to customers in Miramar, Florida.

Cheapest ZIP Codes in Miramar

What ZIP codes have the cheapest auto insurance in Florida? Besides components like your age and gender, the area in which you live can also influence the rates carriers charge you for coverage. Your annual rates can vary based on factors such as how vulnerable your region is to a high crime rate or the presence of natural disasters.

The cheapest zip code for rates in Miramar is 33025, where residents pay approximately $4,580.87 per year in annual rates.

This figure is right in line with the overarching average for car insurance coverage in the city as a whole.

What’s the Best Car Insurance Company in Miramar?

If you are a bit concerned about how factors like age and gender could affect the rates, you will be expected to pay out to car insurance companies in Miramar, Florida—don’t be discouraged.

While these components do play a significant role in the rates, car insurance companies assess for your policy, they are certainly not the only determining factors. Other elements like the length of your commute and chosen coverage level can also have a considerable impact on your rates.

To help you find the right policy coverages for all the drivers in your household, we’ve broken down rates in your city by these other significant factors that could elevate or lower your rates.

Let’s dive right in.

Cheapest Car Insurance Rates by Company

What are the best car insurance companies in Miramar, Flordia? The table below indicates the cheapest car insurance in Miramar, Florida, by the carrier. Do you see your insurer on this list?

As the data our researchers gathered reveals, Allstate charges the highest average rates of all while USAA charges the lowest. Case in point, Allstate charges single, 17-year-old male motorists over $15,000 more in annual rates than they do to married, 35-year-old male drivers.

With a company like USAA, there’s just over a $6,100 rate difference between these two demographics. That figure is still noticeable, but the gap isn’t as extensive as with a carrier like Allstate.

Companies such as Nationwide come in roughly in the middle, charging male teen drivers about $7,900 more per year than 35-year-old male motorists.

The moral of the story here is that you should choose your car insurance carrier based on the rates they charge to your specific demographic, instead of their average rate alone.

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Best Car Insurance for Commute Rates

According to the Federal Highway Administration, Floridians drove an average of 11,836 miles that year. Check out the table here, revealing the average annual rates car insurance companies in Miramar, Florida, charge consumers based on just their commute rates.

As you may have already noticed, some insurers, but not all, will charge you higher rates for a longer commute. For example, Nationwide and Progressive charge consumers the same rates, no matter what their commute is.

On the other side of the spectrum, you have carriers like Allstate, that charge insureds with a 25-mile commute almost $500 more in annual rates than consumers with a 10-mile commute.

Best Car Insurance for Coverage Level Rates

The coverage levels you pick could also have a discernable effect on the rates you have to pay annually. Take a look at the table below to see the variance in rates based on the high vs. medium. vs. low coverage levels for top carriers of Miramar auto insurance.

If you scan the rates listed above, you’ll note that a carrier like Allstate charges insureds with high coverage levels roughly $3,500 more annually than consumers with low levels of coverage.

However, the gap is not so wide with all carriers.

For example, USAA charges insureds with high coverage levels about $900 more than consumers with low coverage levels. That rate difference is still noteworthy, but the gap between coverage levels is not as significant as with a carrier like Allstate.

Nationwide comes in somewhere in the middle again, showing an approximate $2,200 difference in rates for high vs. low levels of coverage.

Let’s break these numbers down a bit.

First, assess what your driving and budgetary needs are when determining the coverage levels you require and the rates you can afford to pay.

While choosing high coverage levels with a carrier like Allstate could tack about $290 onto your bill each month, you’ll only have to pay about $180 extra with an insurer like Nationwide.

In the case of a carrier like USAA, you’d may just about $75 extra per month for high vs. low coverage levels.

The point here is that you can choose higher coverage levels to add increased protection for all the drivers in your household without busting your budget.

Best Car Insurance for Credit History Rates

Your credit score is another essential component of car insurance companies factor into the picture when determining what rates to assess for your policy. While the practice of using your credit history to determine rates is illegal in a few states, Florida is not one of them at this time.

Watch the video above for a helpful explanation about the correlation between your credit score and car insurance rates, then check out the table below to see how your credit history could affect Miramar auto insurance rates.

You’ll notice that each of the top carriers in Miramar, Florida listed here to show a noticeable difference in rates between good vs. poor credit.

However, the gap in premium costs is wider, with some carriers than others. Let’s take a look at Allstate vs. USAA again, the carriers that charge the highest and cheapest annual rates in the city, respectively.

You’ll notice that Allstate charges insureds with poor credit almost $6,000 more in annual rates than consumers with good credit. On the other hand, USAA shows a $3,700 difference in rates for excellent vs. poor credit.

Either way, poor credit habits could see you paying thousands of dollars more than you otherwise would for car insurance coverage in Miramar, Florida.

Best Car Insurance for Driving Record Rates

It probably isn’t a major newsflash that your driving record will ultimately affect the rates you have to pay for coverage in Miramar, Florida. Take a look at the table below to see how your rates could fluctuate based on your driving history alone.

Having just one DUI on your record can make a noticeable impact on your rates. It’s interesting to note here, that Allstate doesn’t charge the highest gap in rates of the carriers listed for a clean record vs. one DUI.

For example, while Allstate charges about $2,500 more in rates to drivers with a single DUI vs. a clean record, a carrier like Liberty Mutual charges motorists with one DUI about $4,350 more in rates than insureds with a spotless record.

A company like State Farm shows a far more negligible gap in rates for insureds with one DUI vs. a clean record, with just under a $400 premium difference.

State Farm assesses the highest rates to drivers with one accident on their record, charging insureds in this demographic almost $800 more than individuals with a clean record.

Miramar Car Insurance Factors

There is a wide range of factors that could impact the rates you pay for car insurance in Miramar, Florida. Elements like your household income, whether or not you own a home, and occupation could all affect how much of your hard-earned money is being eaten up by rates.

Let’s take a look at the data our researchers gathered to help you determine how much you really should be paying for car insurance in your city.

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Median Household Income

The median household income in Miami-Fort Lauderdale-West Palm Beach as of 2017 was $51,578, which was about $15,000 less than the median household income in Miramar that year. The average cost of car insurance in Miami, for example, is $5,784.68.

Homeownership in Miramar

While you might not think that owning a home would have anything to do with your car insurance rates in Miramar, Florida, being a homeowner can lower your rates.

The train of thought that insurers adhere to in this area is that homeownership is a sign of stability and responsibility. To a carrier, this means that the individual is likely driving safely behind the wheel.

And, since homeowners have to make monthly house payments, insurers figure that they will also be more likely to fulfill their monthly car insurance payments as well.

As of 2017, 69.9 percent of dwellings in the city were owner-occupied, meaning that homeowners make up the vast majority of the housing market. The percentage of owner-occupied dwellings actually went down from the year before, as 71.4 percent of units were occupied by their owner in 2016.

It is interesting to note that the percentage of owner-occupation in Miramar, Florida, is higher than the national average of 63.9 percent.

In the Miami-Fort Lauderdale-West Palm Beach area, 59.8 percent of units are owner-occupied. Next, take a look at the chart below, indicating the median property value in Miramar, Florida.

As of 2017, the median property value in Miramar, Florida, was $264,200, which grew noticeably from the median property value of $228,400 in 2016.

The city of Miramar, indicated by the orange bar in the graph above, has one of the highest median property values for homes when compared to neighboring areas.

In 2017, the most significant share of households had property values ranging between $300,000 and $400,000.

Education in Miramar

There are several colleges and universities in Miramar and the surrounding region. In 2016 alone, universities in the city awarded 1,627 degrees to graduates.

The student populace of Miramar is comprised primarily of women, with 1,132 male students to 1,460 female students.

The largest universities in Miramar in terms of the number of degrees conferred are:

• DeVry University-Florida — 683 degrees awarded.
• Le Cordon Bleu College of Culinary Arts-Miami — 373 degrees awarded.
• Brown Mackie College-Miami — 286 degrees awarded.

As of 2016, DeVry University-Florida awarded 42 percent of degrees conferred that year, while Le Cordon Bleu College of Culinary Arts-Miami and Brown Mackie College-Miami awarded 22.9 percent and 17.6 percent of degrees, respectively.

In the same year, the most popular majors in Miramar, Florida were:

• Culinary Arts and Chef Training — 292 degrees awarded and 17.9 percent of total degrees conferred.
• General Business Administration and Management — 188 degrees awarded and 11.6 percent of total degrees conferred.
• Other Business Administration, Management, and Operations — 171 degrees awarded and 10.5 percent of total degrees conferred.

Check out the infographic below, detailing the most popular concentrations in 2016 in terms of degrees awarded.

While Miramar may not be the largest city in Southern Florida, there are several other colleges of note in the area, including:

• Ross University School of Medicine
• University of Phoenix-South Florida
• Unilatina International College
• Concorde Career Institute

Next, let’s take a look at how components like race and ethnicity impact wages, and therefore the percentage of income paid out to cover car insurance rates.

Wage by Race and Ethnicity in Common Jobs

The graph below reveals information gleaned from the most recent study by Data USA about wages for everyday jobs in Miramar, Florida, race, and ethnicity.

In the table we have here, we’ve juxtaposed the average wage for common jobs in Miramar by race and ethnicity against the percentage of workers’ income being eaten up by car insurance rates.

It’s quite staggering to see how much wages can fluctuate in the very same position. Depending on your job, your car insurance as a percentage of your income could eat up anywhere from one quarter to over half of your salary in entry-level roles like retail salespersons.

The highest-earning demographic (Asians) in managerial roles pay out just over five percent of their income to cover premium costs.

Wage by Gender in Common Jobs

Check out the graph below from Data USA, revealing just how significant the wage gap between genders can be in Miramar, Florida.

As of 2017, full-time male workers earned 1.34 times more than their female counterparts. The graph above indicates the five most common jobs in Miramar, Florida, by the number of full-time workers.

In 2017, the average male worker’s salary was $58,931, while full-time female workers earned just $44,078 that year. That’s more than a $14,000 wage gap between genders.

Bear in mind, that the average annual cost of car insurance in Miramar, Florida, is $4,580.87. This means that while male workers paid out just 7.8 percent of their income to cover annual rate costs, 10.4 percent of female workers’ salaries were taken up by annual rates.

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Poverty by Age and Gender

Gender and age demographics also show different trends regarding poverty levels.

As of Data USA’s most recent study, the largest demographic living under the poverty line in Miramar, Florida was females between the ages of 35 and 44.

Approximately 10.1 percent of residents in Miramar for whom poverty status was measured are living under the poverty line, comprising roughly 13.8k out of 136,000 individuals.

The second and third largest demographics living under the poverty line in the city are females between the ages of 25 and 34, followed by females between the ages of 6-11.

Poverty by Race and Ethnicity

Take a look at the infographic below, revealing how the poverty rates in Miramar, Florida based on race and ethnicity alone.

Data USA revealed that the most common demographic living below the poverty line in Miramar are Black ethnic groups, with White and Hispanic racial groups following.

Approximately 6,986 Black individuals are estimated to be living below the poverty line in Miramar, with 4,814 White individuals living in poverty.

Roughly 4,793 Hispanic residents are estimated to be living in poverty in Miramar.

Employment by Occupations

Despite the poverty rates in Miramar and sometimes staggering car insurance rates, the city experienced 3.89 percent job growth between 2016 and 2017, increasing from 66.8k employees to 69.4k employees.

The graph below indicates the most common jobs held by employees in Miramar, Florida, as of 2017.

The top roles held by employees in the city are:

• Office and Administrative Support Occupations — 10,556 individuals
• Sales and Related Occupations — 8,589 individuals
• Management Occupations — 8,246 individuals

Driving in Miramar

Whether you live in a large or small city, navigating the open road has the potential to be a distinct challenge. Even in a smaller city like Miramar, traffic jams and detours can still be an annoyance.

Let’s dive right into the best driving routes in Miramar.

Roads in Miramar

Driving in Miramar doesn’t need to be stressful. Keep reading to discover the top road facts that drivers in the city need to know, from major highways to big road trip adventures to traffic cameras.

Major Highways

The state of Florida has 12 active interstates running through it, comprising 1,497.58 miles of highway. These active interstates include:

• 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

I-75 is one of the primary interstates running through the city of Miramar, Florida. Check out the video below for a bird’s eye view of the highway!

One of The Sunshine State’s primary network of toll roads, the Florida Turnpike runs through Miramar, Florida with a primary toll gantry situated at Red Road and 57th Avenue on both the northbound exit and southbound entrance.

The Florida Turnpike has 461 miles of roadway, operated under the Florida Department of Transportation by Florida’s Turnpike Enterprise. The toll costs depend on the part of the Turnpike you’re on and how far you intend to go.

The Florida Turnpike calculator determines the prices, which is based on mileage and the number of vehicle axles. Florida’s Turnpike provides a helpful toll calculator here.

Drivers can pay tolls with cash or with their Sunpass. If you purchase a SunPass, fees are discounted at approximately 25 percent.

You can also opt to pay via Toll-By-Plate, where all-electronic tolling is in place. If you choose this option, you will be mailed a toll bill in addition to a $2.50 service charge.

You can purchase two different types of SunPass transponders. The first is the SunPass Portable, which costs $19.99 plus tax. You can affix it to the windshield of your car with suction cups and transfer it between vehicles if you prefer.

The second is the SunPass Mini Sticker, which costs $4.99 plus tax. It is a permanent sticker and not transferrable to another vehicle.

Either pass mandates a minimum balance of $10 to activate your account. You can purchase your SunPass online, at authorized outlets throughout the state, by mail, or via fax.

For more information, visit the SunPass website

Popular Road Trips/Sites

Whether you like to stay close to home on the weekends or venture out for long road trips, there’s certainly no shortage of beautiful, fun, and exciting things to see and do both in nearby cities and throughout The Sunshine State.

Check out some of the most popular road trip adventures that will have you itching to get behind the wheel and out on the open road.

• Off the Beaten Path — Head off the beaten path to discover these 18 hidden gems in The Sunshine State. From Bok Tower Gardens in Lake Wales to Tigertail Beach on Marco Island, you won’t want to miss these gorgeous road trip destinations!
• The Ultimate Dining Road Trip — Do you just love old school diners? If so, you’ll want to hit up these ten old school dinners throughout the state on your next trip, from the Toasted Mango Cafe in Sarasota to Lester’s Diner in Daytona Beach, food road trips.
• Escape to Nature — Do you just need to get away from it all? Why not take a tour to nearby Tree Tops Park in Davie for a nice weekend escape to nature? With 243 acres of trails, forestation, and tropical surroundings, you’ll go back to the grind refreshed and renewed.
• The Budget Traveler’s Road Trip — Taking a wonderful weekend away doesn’t have to bust your bank account. Check out these 9, inexpensive destinations throughout Florida, from De Leon Springs State Park to the Salvador Dali Museum in St. Petersburg.
• The Perfect Autumn Haunted Road Trip — Looking to visit some unusual, mysterious, but beautiful spots in your state? From the St. Augustine Lighthouse to the Tampa Theatre, this Haunted Road Trip is a fun and quirky autumn adventure.

These are just a few of the enjoyable, fun drives you can take around Florida to explore more of your home state. Whether you have only a few hours to spare or want to plan a more extended getaway, you certainly won’t run out of places to explore in The Sunshine State.

Road Conditions

Miramar has multiple roadway projects in the works according to the Florida Department of Transportation/Broward County Projects page on the city’s website.

These projects include:

• The construction of Pembroke Road from SW 145 Avenue as a four-lane divided roadway
• The widening of Pembroke Road from Dykes Road over to Silver Shores Boulevard
• The reworking of Express Lanes segments A, B, and C on I-75.
• The Miramar Parkway Bridge reconstruction over I-75
• The FDOT’s project to improve SR 7 and US 44 by adding lanes and reconstructing the roadways
• The construction of four lanes on Pembroke Road extending from SW 184 Avenue to US 27, as well as extending Miramar Parkway form SW 192 Terrace to Pembroke Road

Keep an eye on the projects page on the city’s website to stay up to date with the latest construction developments.

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Does Your City Use Speeding or Red Light Cameras?

Florida currently permits the use of red-light cameras statewide, but there are no state laws or ordinances in place regarding speed cameras at this time. Red light violations result in a $158 fine but no points on the driver’s record.

Vehicles in Miramar

Every city shows different trends for the most popular vehicles and car ownership. For these trends, plus an in-depth look at the potential speed traps and vehicle theft rates in Miramar, Florida, continue reading.

How Many Cars Per Household?

The chart below from Data USA indicates the car ownership stats for residents in Miramar, Florida, as compared to the national averages for each series. The vast majority of households in Miramar have two cars apiece, with the second-largest demographic owning three cars per household.

Households Without a Car

While most residents in Miramar own 2-3 vehicles, there are some households without a car at all. Check out the statistics below from 2015-2016 regarding households who depend on transportation methods apart from vehicles.

As you can see, car ownership went up by a minute amount in 2016 from 2015, while the percentage of households without a vehicle also went down in 2016.

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Speed Traps in Your City

Have you ever been driving along lost in thought and whizzed by a group of trees, when suddenly out of nowhere a police car appears and starts to pursue you? If something like this has ever happened to you, you have encountered a speed trap.

Speed traps occur when a law enforcement officer conceals their parked vehicle, tracking motorists’ speeds with radar guns. The idea behind speed traps is to discourage unsafe driving habits and speeding, but of course, they also can bring in more revenue for a city as well.

The good news for residents of Miramar, Florida, is that the city doesn’t even rank among the ten worst Florida speed trap cities.

Even so, it’s best to adhere to the speed limit and practice defensive habits, so you aren’t caught off guard by a hidden speed trap.

Vehicle Theft in Miramar

In the FBI’s 2016 Crime in the United States Study, 279 motor vehicle thefts were reported in Miramar alone.

As of 2017, Neighborhood Scout reported 263 motor vehicle thefts across the city, which was slightly down from the year before.

According to a study by Neighborhood Scout, the safest neighborhoods in Miramar, Florida are:

• Route 27/Hollywood Blvd
• SW 150th Ave/SW 51st St.
• SW 20th St./SW 19th St.
• SW 18th Pl/SW 162nd Ave
• Bass Creek Rd/SW 124th Ave
• S. Palm Ave/River Run Circle N.
• Pembroke Rd./SW 17th St.
• Island Dr./Miramar Blvd
• SW 26th St./Sunshine Blvd
• SW 64th Ave/Miramar Pkwy

Neighborhood Scout also revealed that your chances of becoming a victim of violent crime in Miramar, Florida, are 2.94 per 1,000 residents. Miramar’s violent crime is lower than the statewide average, which places you at a 4.08 per 1,000 residents chance of being a victim of violent crime.

Miramar, Florida is safer than 35 percent of U.S. cities, ranking number 35 in the crime index, with 100 being the safest.

The data in the table below reveals the incidents of violent crime in Miramar in 2017.

The table here shows Miramar’s annual number of crimes the same year.

While the incidence of crime is lower in Miramar than in some nearby cities, you may want to consider some of the city’s safer neighborhoods previously mentioned and proceed with caution in areas like the ones circled on the map above.

Traffic in Miramar, Florida

No one likes to be stuck in traffic. Here’s what you need to know about transportation and road safety in Miramar, Florida.

Transportation

Did you know that the average worker in Miramar, Florida, has a longer commute time than the average U.S. worker? On average, workers in Miramar have a 30-minute commute time, while the national median commute time is 25.1 minutes.

Also, roughly 1.99 percent of workers in the city have what is labeled super commutes exceeding 90 minutes.

As of 2017, most workers in Miramar drove alone, making up 87.8 percent of the commuter transportation demographic. Approximately 7.01 percent of individuals carpooled to work, while 2.22 percent reported working at home.

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How Safe Are Miramar Streets and Roads?

The following tables reveal crash fatalities across Broward County in 2017, including alcohol-impaired driving fatalities, single-vehicle crash fatalities, crash fatalities involving speeding, and more.

National Highway Traffic Administration (NHTSA) stats may frighten you. Instead, let them serve to inform safe and informed driving habits behind the wheel and make you aware of the potential road dangers in your city.

The table below indicates the total fatal crashes in Broward County as of 2017.

The following table reveals road deaths by different types of crashes and person fatalities.

The table below indicates the most recent data from the NHTSA regarding Florida highways with the fatal crashes.

An arterial road is a high-capacity urban road. Depending on how much traffic filters through a particular area, the arterial road could qualify as a highway or a minor arterial road.

Most of Florida’s fatal crashes occur on roads categorized as “Other” and “Unknown”.

As such, be extra aware when driving on back roads and off the highway. It may seem like there would be fewer road hazards in these areas, but sometimes these roads pose the most dangers to motorists.

Allstate America’s Best Drivers Report

According to Allstate’s 2018 Best Drivers in America Report, Miramar is the 89th safest city to drive in the entire country.

In Miramar, Florida, the likelihood of a car insurance claim being made as compared to the national average is 18.60 percent. Motorists typically see an average of 8.4 years between claims.

This is good news for all drivers in the city because it reveals that motorists aren’t getting into accidents all that often.

Miramar’s hard-braking events per 1,000 miles are 29.4. A driver may brake hard to avoid a collision or if an obstacle like an animal is in the roadway.

Ridesharing

If you like to use ridesharing services in Miramar, Florida, you’ll want to know what your options are so you can get to where you need to go without issue.

The following rideshare providers are available in Miramar, listed in order from the least to the most expensive.

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

EStar Repair Shops

If you were recently involved in a car accident in Miramar, Florida, and require repairs to your vehicle, you need to know about EStar repair shops. A program sponsored by the carrier Esurance, EStar is designed to help you find the best repair shops near you.

Check out the top 10 EStar repair shops in Miramar in the table below.

Weather

Florida weather is legendary for its mild winters and balmy summers. U.S. Climate Data conducts studies regarding average temperatures nationwide.

While their study for Florida did not include temperatures at the local level for Miramar, the temperatures below are for neighboring Hollywood, Florida, which shares a zip code with Miramar.

• Annual High Temperature — 82.9 F
• Annual Low Temperature — 68.6 F
• Average Temperature — 75.75 F
• Average Annual Precipitation — 64.37 inches

Another element to take into account when determining the coverages on your car insurance policy is the presence of any natural disasters in your area.

Broward County as a whole has experienced 24 natural disasters, which is significantly higher than the U.S. average. Of these natural disasters, 15 were declared major disasters by the President and eight were declared to be emergencies.

Your best option to safeguard your vehicle if a natural disaster occurs is to purchase comprehensive car insurance coverage for your policy.

Comprehensive coverage is invaluable because it covers vehicle damage costs incurred due to something other than a rollover or collision. For example, if your car is damaged by fires, hail, or a flood, your comprehensive coverage would come into play.

Public Transit

If you prefer to take public transit sometimes, Miramar’s Community Bus Services could be of interest. The city’s Transit Operations also offer seniors in Miramar demand-response transit options.

The Community Bus Services run on four routes — the Green Route, Orange Route, Yellow Route, and Red Route. With the bus system, you can travel from the eastern portion of the city to the western area up to SW 196th Avenue.

For more information and to see route schedules, visit the city of Miramar’s Transit Operations page.

Alternate Transportation

While alternate transportation providers of bikes or scooters like Bird and Lime are not available in Miramar per se, they are an option in neighboring cities like Fort Lauderdale.

So, if you’re planning on making a trip to some of the larger cities nearby Miramar, scooter or bike rentals could be an option.

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Parking in Metro Areas

There are some public garages and parking areas in Miramar, Florida, including both free and cheap car lots. Of course, during peak daytime and weekend hours, finding a spot might be more of a challenge.

The city of Miramar has 119 public electronic vehicle charging stations, including both Level 2 and Level 3 ports within a radius of roughly 9.3 miles. Of these ports, 69 percent are Level 2 chargers, and 27 percent provide free charging.

Air Quality in Miramar

Your vehicle is one of many factors that contribute to the air quality in your city. When cars were first manufactured, they would emit very toxic, bad-smelling fumes.

While modern vehicles are subject to more stringent regulations, air pollution is still a noticeable issue.

The table below reveals the air quality data for Broward County from The Environmental Protection Agency’s (EPA) 2016, 2017, and 2018 reports.

The great news for residents of Miramar, Florida, is that the days with good air quality far outweighed the moderate ones, with absolutely no unhealthy or very unhealthy days reported.

Military/Veterans

If you have served or are currently serving our country in the U.S. military, you may be eligible for providing discounts for car insurance coverage in Miramar, Florida.

Keep scrolling for a comprehensive breakdown of military discounts in your city.

Let’s jump right in.

Veterans by Service Period

The infographic below reveals the number of veterans currently residing in Miramar, Florida, by service period.

In 2017, the most significant populace of military personnel in Miramar by service period were veterans who served in the Second Gulf War. The second and third most common service periods were the Vietnam War and the first Gulf War.

With 908 veterans having served in the second Gulf War, this demographic of military personnel is 1.43 times larger than veterans who served in any other war.

Military Bases Within an Hour

Florida has no shortage of military bases, but there are several in particular, which are located close to Miramar. These are:

• The U.S. Army Reserve in Fort Lauderdale
• The U.S. Marine Corps Reserve Training base in Hialeah
• Homestead Air Reserve Base

Military Discounts by Provider

The table below reveals the top known car insurance providers who offer discounts to former and active members of the military. If you served or currently serve in the military, most insurers will offer some type of discount in gratitude for your service.

USAA also provides military garaging discounts for personnel.

Some carriers don’t specify how much insureds can save with their military discounts, which is why some of the companies show above don’t have values given.

However, they do still provide military discounts, so definitely inquire regarding your eligibility when speaking with your insurance agent.

USAA Available in Florida

Coverage through USAA is reserved for U.S. military personnel and their families only. The table below shows USAA’s rates compared to their competition in the insurance industry and the state average.

The average cost of car insurance in Florida as a whole is $4,680.46.

As you’ve probably already noticed, USAA’s rates are considerably lower than the competition, costing a staggering 64.2 percent less than the state average.

Unique Miramar Laws

Don’t hit rubber to the road again before you know about these important driving laws in your city and state.

Hands-Free Driving Law

Florida law previously categorized distracted driving as a secondary offense, but recent legislation just passed and going into effect July 1, 2019, has made it a primary offense.

Violation of the new Hands-Free Driving Law carries a $30 fine for first-time offenders, and a $60 fine for second-time offenders, not any counting court costs.

Food Trucks

In Florida, food trucks are categorized as Mobile Food Dispensing Vehicles (MFDV), and owners must secure an MFDV license from the Florida Division of Hotels and Restaurants to operate.

The standard state requirements for food trucks include:

• Having a vehicle registered with FDOT (the driver must obtain a commercial license too)
• The truck must be mobile.
• The truck must be protected from pests and the elements.
• The truck must have a separate handwashing sink.
• The truck must allow for dishwashing with a minimum of a three-compartment sink.
• The truck must have a plumbing system to wash hands and dishes.
• The truck must use equipment to preserve food at safe temperatures.
• The truck must have a power system to operate the equipment (such as a generator or way to connect to a grid)
• The truck must have a sewer and water location or commissary.

You will also be required to provide a comprehensive business plan with your license fees and application form.

At the Broward County level, you would also require a local business tax registration. You may need to fulfill any local zoning permits and other documentation requirements.

For additional information, visit the City of Miramar’s website and application information page.

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Tiny Homes

Perhaps living in a traditional home isn’t for you. Yes, plenty of Miramar residents enjoy living in a single-family home with multiple rooms, a garage, and a yard that they can work in — along with the perfect lawn mower, gardening tools, and more. However, that life just isn’t for everyone. Some prefer a minimalistic way of life.

That’s where tiny homes come in.

So, what’s the deal with tiny homes and Miramar? Here’s what we know: Broward County is currently reviewing the allowance of accessory dwelling units (or granny flats) to be used as a solution to the affordable housing crisis rampant in South Florida.

Accessory dwelling units are permitted in the county, but must not exceed 1,500 square feet and must be at least 400 square feet in floor area.

For more information, visit the City Code and Land Development Code page on the City of Miramar’s website here.

Parking Laws

Some key parking laws in Miramar, Florida include:

• Drivers may not park facing oncoming traffic
• Drivers may not park on any portion of a bike path or public sidewalk
• Drivers may not park within a crosswalk or 25 feet of an intersection
• No vehicle can be occupied or used within the city limits for sleeping or living purposes
• Drivers may not park near traffic control violations or within 30 feet on either side of such

For an in-depth look into other applicable parking laws in your city, visit the Miramar Code of Ordinances 20-48.

Miramar Car Insurance FAQs

Still have some burning questions about car insurance in Miramar, Florida? Check out our one-stop-shop FAQ list below.

Start comparison shopping right now to get quotes for multiple car insurance providers in Miramar, Florida, in just a few clicks. Simply enter your ZIP code in our FREE online rate tool below to get started.

#1 – Who has the cheapest car insurance?

It depends on the state. However, USAA, Geico, and State Farm are the cheapest car insurance companies.

#2 – Why is FL car insurance so expensive?

Florida has some of the biggest metropolitan areas on the East Coast of the United States. Also, car insurance policyholders are likely to file more claims due to higher than average natural disasters that occur in the state.

#3 – What is the average cost of car insurance in Florida?

The average cost of car insurance in Florida is $4,680 per year or $390 per month.

#4 – Who has the cheapest car insurance in Florida?

State Farm, Geico, Liberty Mutual, and Direct General.

#5 – What are the worst insurance companies?

Despite being the cheapest car insurance companies in Florida, some customers label State Farm and Liberty Mutual as some of the worst car insurance companies. However, your experience may differ.

#6 – What languages should I know?

Data USA released a study revealing that 49.9 percent of residents in Miramar, Florida are speakers of a non-English language, with 35.6 percent of non-English speakers speaking Spanish or Spanish Creole. French Creole and Chines are the second and third most common non-English languages spoken in the city.

#7 – What is the cost of living like in Miramar?

Sperling’s Best Places measures the cost of living in cities across the country numerically. Towns with an index below 100 are cheaper than the national average, while places rated above 100 are more expensive. According to Sperling’s, the cost of living in Miramar is 130.0, with the median home price being $314,700.

#8 – What are the minimum car insurance requirements?

Florida drivers must carry minimum coverages of $10,000 personal injury protection (PIP) and $10,000 property damage liability coverage.

#9 – What do I do if I get into a car accident in Florida?

Florida is one of a handful of no-fault insurance states in the country, which means that if you get into an accident, you must file a claim with your PIP coverage to receive compensation for damages. Your PIP is considered primary coverage, no matter who is at fault. You may only step outside PIP to pursue the other driver if you meet individual qualifiers.

#10 – I’ve been categorized as a high-risk driver and can’t secure insurance through the voluntary market. What can I do?

If you are unable to obtain coverage through the voluntary insurance market, you may qualify for high-risk coverage through Florida’s Automobile Joint Underwriting Association plan. Visit their website to learn more.