Auto Insurance in Miami (33128)
Florida · Expensive · 65th percentile statewide
Carrier Rates in 33128
6-month premiums from SERFF rate filings. Standard driver profile.
How 33128 Compares
Miami (33128) is expensive for auto insurance in Florida, ranking in the 65th percentile.
The cheapest carrier is GEICO at $429/6mo — 55% less than the most expensive (State Farm at $950).
The median premium of $612 is 7% below the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Miami (33128)?
The median 6-month premium in Miami (33128) is $612 across 5 carriers. Premiums range from $429 to $950, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 33128?
GEICO offers the lowest rate in 33128 at $429/6mo. That's 55% less than the most expensive option (State Farm at $950/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 33128?
Auto insurance rates in Miami (33128) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Miami ranks in the 65th percentile statewide, meaning it's expensive compared to other Florida ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Florida
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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.