Auto Insurance in Key Biscayne (33149)
Florida · Expensive · 96th percentile statewide
Carrier Rates in 33149
6-month premiums from SERFF rate filings. Standard driver profile.
How 33149 Compares
Key Biscayne (33149) is expensive for auto insurance in Florida, ranking in the 96th percentile.
The cheapest carrier is GEICO at $568/6mo — 49% less than the most expensive (State Farm at $1,124).
The median premium of $723 is 10% above the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Key Biscayne (33149)?
The median 6-month premium in Key Biscayne (33149) is $723 across 5 carriers. Premiums range from $568 to $1,124, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 33149?
GEICO offers the lowest rate in 33149 at $568/6mo. That's 49% less than the most expensive option (State Farm at $1,124/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 33149?
Auto insurance rates in Key Biscayne (33149) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Key Biscayne ranks in the 96th 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 33149?
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.