Auto Insurance in Miami Gardens (33054)
Florida · Below Average · 43th percentile statewide
Carrier Rates in 33054
6-month premiums from SERFF rate filings. Standard driver profile.
How 33054 Compares
Miami Gardens (33054) is below average for auto insurance in Florida, ranking in the 43th percentile.
The cheapest carrier is GEICO at $429/6mo — 53% less than the most expensive (State Farm at $904).
The median premium of $587 is 11% below the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Miami Gardens (33054)?
The median 6-month premium in Miami Gardens (33054) is $587 across 5 carriers. Premiums range from $429 to $904, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 33054?
GEICO offers the lowest rate in 33054 at $429/6mo. That's 53% less than the most expensive option (State Farm at $904/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 33054?
Auto insurance rates in Miami Gardens (33054) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Miami Gardens ranks in the 43th percentile statewide, meaning it's below average compared to other Florida ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Florida
Want full rate data for 33054?
Access ZIP-level rate data across all 5 carriers, 397 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.