Auto Insurance in Coral Gables (33146)
Florida · Expensive · 98th percentile statewide
Carrier Rates in 33146
6-month premiums from SERFF rate filings. Standard driver profile.
How 33146 Compares
Coral Gables (33146) is expensive for auto insurance in Florida, ranking in the 98th percentile.
The cheapest carrier is GEICO at $609/6mo — 46% less than the most expensive (State Farm at $1,119).
The median premium of $706 is 7% above the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Coral Gables (33146)?
The median 6-month premium in Coral Gables (33146) is $706 across 5 carriers. Premiums range from $609 to $1,119, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 33146?
GEICO offers the lowest rate in 33146 at $609/6mo. That's 46% less than the most expensive option (State Farm at $1,119/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 33146?
Auto insurance rates in Coral Gables (33146) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Coral Gables ranks in the 98th 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
Want full rate data for 33146?
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.