Car Insurance in Miramar, Florida [The Complete Guide]

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Miramar City StatisticsDetails
City Population138,461
City Density4,694 people per square mile
Average Cost of Car Insurance in Miramar$4,580.87
Cheapest Car Insurance CompanyUSAA

Are you tired of sitting in front of your computer, sifting through what feels like endless car insurance providers, unable to determine which will best meet the needs of all the drivers in your family?

Perhaps you’re unsatisfied with your current carrier in Miramar, Florida, but aren’t certain about how to secure the coverage you want at the rates you need, so you keep sticking with the same insurer?

If you answered “yes” to one or both of these questions, then this complete guide to the best car insurance in Miramar, Florida is for you.

We understand how overwhelming it can be to sort through the sheer amount of auto insurance providers available you to. How do you know which ones offer the best coverage at the most affordable rates? What kind of factors could affect your car insurance premiums?

To save you unnecessary time and trouble, we compiled the following, detailed guide to auto insurance in Miramar, Florida. From the average cost of car insurance in your city to the key factors that affect your rates to driving conditions in Miramar to auto insurance discounts—we’ve got you covered.

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. Just enter your zip code in the box above to get started!

Are you ready?

Let’s get down to business.

Table of Contents

The Cost of Car Insurance in Miramar

The very first component you’ll likely take into account when choosing an auto 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 premiums.

Keep reading for a complete breakdown and comparison guide of rates by elements such as zip code, city, driving record, and beyond.

-Male vs. Female vs. Age

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

According to a study conducted by Data USA, the average resident age in Miramar, Florida is 36.4 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 auto 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 auto coverage in Miramar, Florida.

Age17253560
Average Annual Rate$11,458.60$4,389.84$3,834.16$3,499.76

It shouldn’t come as a shock that teen drivers are assessed the highest rates of all, while 60-year old drivers pay the least for coverage. In fact, 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 are charged the second highest rates, they still pay over $7,000 less in annual premiums 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 auto 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 premiums than male drivers do.

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

DemographicAverage Annual Rates
Married 60-year-old male$3,531.10
Married 60-year-old female$3,468.42
Married 35-year-old male$3,793.01
Married 35-year-old female$3,875.30
Single 25-year-old male$4,539.54
Single 25-year-old female$4,240.14
Single 17-year-old male$12,545.96
Single 17-year-old female$10,371.24

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 cognizant, responsible driving habits.

This, in turn, makes them less of a risk to insure.

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 key factors that carriers take into account when assessing the rates they will charge to customers in Miramar, Florida.

– Cheapest Zip Codes in Miramar

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 premiums 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, Florida is 33025, where residents pay approximately $4,580.87 per year in annual premiums.

This figure is right in line with the overarching average for auto 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 premiums you will be expected to pay out to auto insurance companies in Miramar, Florida—don’t be discouraged.

While these components do play a major role in the premiums carriers 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 premiums.

Let’s dive right in.

– Cheapest Car Insurance Rates by Company

The table below indicates the cheapest auto insurance in Miramar, Florida by the carrier. Do you see your insurer on this list?

GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleAverage
Allstate$5,351.32$5,084.61$4,645.20$4,705.68$18,625.05$20,148.57$5,277.03$5,329.17$8,645.83
Geico$3,808.44$3,823.33$3,559.39$3,559.39$6,861.39$8,593.41$4,200.51$4,251.81$4,832.21
Liberty Mutual$4,668.98$4,668.98$4,274.32$4,274.32$9,910.32$15,290.53$4,668.98$6,346.25$6,762.84
Nationwide$3,982.92$3,917.19$3,544.88$3,668.02$9,612.43$11,793.22$4,381.27$4,538.72$5,679.83
Progressive$4,447.03$4,222.04$3,794.20$4,064.60$12,707.41$13,870.59$5,448.76$5,220.19$6,721.85
State Farm$2,853.22$2,853.22$2,577.35$2,577.35$7,899.81$10,032.56$3,176.15$3,357.54$4,415.90
USAA$2,015.20$1,981.73$1,883.62$1,868.32$6,982.27$8,092.86$2,528.29$2,733.07$3,510.67

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 wide as with a carrier like Allstate.

Companies such as Nationwide come in roughly in the middle, charging teen male 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 auto insurance carrier based on the premiums they charge to your specific demographic, instead of their average rate alone.

– Best Car Insurance for Commute Rates

According to a 2016 study by the Federal Highway Administration, Floridians drove an average of 14,465 miles that year. Check out the table here, revealing the average annual premiums auto insurance companies in Miramar, Florida charge consumers based on just their commute rates.

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
Allstate$8,398.21$8,893.44$8,645.83
Geico$4,808.55$4,855.87$4,832.21
Liberty Mutual$6,542.56$6,983.11$6,762.84
Nationwide$5,679.83$5,679.83$5,679.83
Progressive$6,721.85$6,721.85$6,721.85
State Farm$4,254.29$4,577.52$4,415.91
USAA$3,470.59$3,550.75$3,510.67

As you may have already noticed, some insurers, but definitely not all, will charge you higher rates for a longer commute. For example, Nationwide and Progressive charge consumers the exact 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 premiums 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 premiums based on high vs. medium. vs. low coverage levels for top carriers in Miramar, Florida.

GroupHighMediumLowAverage
Allstate$10,154.35$9,088.10$6,695.03$8,645.83
Geico$5,518.25$4,997.57$3,980.80$4,832.21
Liberty Mutual$7,300.14$6,870.85$6,117.52$6,762.84
Nationwide$6,660.17$5,907.28$4,472.05$5,679.83
Progressive$7,534.36$6,860.27$5,770.93$6,721.85
State Farm$4,931.49$4,517.55$3,798.67$4,415.90
USAA$3,892.28$3,646.20$2,993.52$3,510.67

If you scan the premiums 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 absolutely 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 important component auto insurance companies factor into the picture when determining what premiums 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 premiums, then check out the table below to see how your credit history could affect the rates you will be expected to pay.

GroupGoodFairPoorAverage
Allstate$6,183.82$7,647.72$12,105.94$8,645.83
Geico$3,164.75$4,247.59$7,084.28$4,832.21
Liberty Mutual$5,172.97$6,391.56$8,723.98$6,762.84
Nationwide$4,673.89$5,198.82$7,166.79$5,679.83
Progressive$5,183.45$6,229.06$8,753.04$6,721.85
State Farm$3,226.76$3,952.15$6,068.80$4,415.90
USAA$2,019.49$2,789.67$5,722.86$3,510.67

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

However, the gap in premium costs is definitely 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 good vs. poor credit.

Either way, poor credit habits could see you paying thousands of dollars more than you otherwise would for auto 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 premiums 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.

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUIAverage
Allstate$7,435.31$8,267.94$8,946.88$9,933.18$8,771.79
Geico$3,333.08$5,266.80$4,290.19$6,438.76$4,687.34
Liberty Mutual$4,857.66$6,657.31$6,327.65$9,208.73$6,798.01
Nationwide$4,830.96$5,376.94$5,318.41$7,193.02$5,780.80
Progressive$5,257.30$7,138.18$7,884.93$6,607.01$6,583.08
State Farm$4,030.34$4,415.89$4,801.50$4,415.89$4,415.91
USAA$2,746.46$2,880.27$3,394.06$5,021.88$3,720.80

Having just one DUI on your record can make a noticeable impact on your rates. It’s interesting to note here, that Allstate actually 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 actually 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.

– Car Insurance Factors in Miramar

There is a wide range of factors that could impact the rates you pay for auto 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 premiums.

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.

– Median Household Income

With so much money going to cover the costs of auto insurance premiums annually, you’re not alone if you’ve wondered just how much of your annual salary is taken up by insurer rates.
Check out the graphic below, revealing the 2017 median household income for residents in Miramar, Florida, based on Data USA’s most recent study.
As of 2017, the median household income in Miramar, Florida was $66,560, which was actually more than the median national income of $60,336.
Incomes in Miramar, Florida rose by 2.98 percent in 2017, from the median figure of $64,632 the year before.
Let’s put these numbers into perspective as they relate to your auto insurance premiums.
The average cost of auto insurance in Miramar, Florida is $4,580.87. This means that the average resident in the city is paying 6.9 percent of their income out in premiums alone.
Let’s compare the cost of premiums as a percentage of income in Miramar, Florida to those in the neighboring Miami-Fort Lauderdale-West Palm Beach area.
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.
This means that residents in the nearby Miami-Fort Lauderdale-West Palm Beach area are paying out roughly 11.2 percent for their income to cover the costs of premiums.
As such, car insurance premiums as a percentage of residents’ income in Miramar, Florida are definitely on the lower end of the spectrum, which is great news for locals.

– Homeownership in Miramar

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

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 actually higher than the national average of 63.9 percent.

Take a look at the chart below, indicating homeownership stats in Miramar, Florida as compared to neighboring cities and the surrounding region.

homeownership in miramar

As you may have already noticed, Miramar, Florida has among the highest percentages of owner-occupation in the area.

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

median property value miramar

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 a number of 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.

most popular majors miramar

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

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 premiums.

– 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 common jobs in Miramar, Florida by race and ethnicity.

miramar wages by 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 auto insurance premiums.

EthnicityMiscellaneous ManagersPercentage of Income Going to Car InsuranceElementary and Middle School TeachersPercentage of Income Going to Car InsuranceRetail SalespersonsPercentage of Income Going to Car InsuranceCustomer Service RepresentativesPercentage of Income Going to Car InsuranceCashiersPercentage of Income Going to Car Insurance
Asian$90,1995.1%$36,64512.5%$21,66821.1%$30,52915%$18,91524.2%
White$85,5355.4%$41,70211%$30,91914.8%$29,10815.7%$14,85430.8%
Native Hawaiian and Other Pacific Islander$69,3976.6%$33,52013.7%$6,87066.7%$23,90219.2%$13,55733.8%
Two or More Races$68,4096.7%$39,18311.7%$19,61623.4%$24,23218.9%$11,92138.4%
Black$65,7617%$39,81111.5%$19,04624.1%$24,90518.4%$13,84733.1%
American Indian$64,9927%$28,66916%$32,62114%$25,43718%$11,93738.4%
Other$52,0278.8%$38,66111.8%$23,44519.5%$23,96019.1%$19,21923.8%

It’s quite staggering to see how much wages can fluctuate in the very same position. Depending on your job, your auto 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.

wage by gender in common jobs miramar

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 auto 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 premiums costs, 10.4 percent of female workers’ incomes were taken up by annual rates.

– Poverty by Age and Gender

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

poverty by age and gender miramar

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.

poverty by race and ethnicity miramar

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 auto 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.

employment by industries miramar

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 popular road trip adventures to traffic cameras.

– Major Highways miramar highway map

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

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.

florida turnpike miramar

The Florida Turnpike comprises 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 Turnpike prices are 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, tolls 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 in order 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, here.

– 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 interesting 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 definitely want to hit up these 10 old school dinners throughout the state on your next trip. From the Toasted Mango Cafe in Sarasota to Lester’s Diner in Daytona Beach, foodie road trips are where the fun is at.
  • Escape to Nature — Do you just need to get away from it all? Why not take a jaunt 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 interesting, fun drives you can take around Florida to explore more of your home state. Whether you have just a few hours to spare or want to plan a longer 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.

– 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 unique 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, keep on 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.

car ownership miramar

– 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.

Year Households Without VehiclesVehicles Per Household
20152.50%1.97
20162.30%2

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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– Speedtraps 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 10 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

The map below indicates some of the most dangerous neighborhoods in the city.

most dangerous neighborhoods miramar

Neighborhood Scout also revealed that your chances of becoming a victim of violent crime in Miramar, Florida are 2.94 per 1,000 residents. The good news is, this is noticeably 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.

Miramar Violent Crimes 2017MurderRapeRobberyAssault
Report Total33494282
Rate Per 1,000 People0.020.240.672.01

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

Miramar Annual CrimesViolentPropertyTotal
Number of Crimes4132,2852,698
Crime Rate (Per 1,000 Residents)2.9416.2819.23

While the incidence of crime is definitely 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

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.

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

commute time miramar

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.

commuter transportation miramar

– 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.

These stats from the National Highway Traffic Administration (NHTSA) are not meant to frighten, rather, let them serve to inform safe and cognizant 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.

County NameTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Broward County1801732242452259.789.2711.8412.7811.62

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

Crash TypeTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Involving an Alcohol-Impaired Driver (BAC .08+)51425666572.772.252.963.442.94
Involving a Single Vehicle Crash1111101311541326.035.896.938.036.82
Involving Speeding28193028221.521.021.591.461.14
Involving a Roadway Departure52527080622.832.793.704.173.20
Involving an Intersection (or Intersection Related)72537081873.912.843.704.234.49
Involving Passenger Car Occupant Death48357095832.611.873.704.964.29
Involving Pedestrian Death48575867642.613.053.073.493.31
Involving Pedalcyclist Death13131413100.710.700.740.680.52

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

Florida Road TypeFatal Crashes
Rural97
Urban156
Freeway and Expressway84
Other876
Minor Arterial458
Collector Arterial309
Local258
Unknown684
Total Fatal Crashes2,922

An arterial road is a high-capacity urban road. Depending on how much traffic filters through a certain 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 cognizant 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 an auto 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 definitely 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 an auto 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.

Shop NameAddressContact Info
CARSTAR ACE SULLINS PAINT & BODY6025 SW 35TH CT
MIRAMAR FL 33023
Email: acesullinspaint@bellsouth.net
P: (954) 983-0209
F: (954) 964-2237
DIAMOND AUTOMOTIVE,INC.2404 SW 58TH AVE
WEST PARK FL 33023
Email: diamauto@bellsouth.net
P: (954) 963-4004
F: (954) 963-9244
PRO COLLISION CENTER LLC275 WEST 75TH PLACE
HIALEAH FL 33014
Email: tony@procollisionllc.com
P: (305) 364-3676
F: (305) 364-3685
RICK CASE COLLISION CENTER15700 RICK CASE HONDA WAY
DAVIE FL 33331
Email: scottkendig@rickcase.com
P: (954) 364-3269
F: (954) 364-3191
LEXUS OF NORTH MIAMI14100 BISCAYNE BOULEVARD
MIAMI FL 33181
Email: esurancelnm@czag.net
P: (786) 528-3926
BRICENO AUTO BODY1394 NW 65 WAY
PLANTATION FL 33313
Email: bricenoautobody@aol.com
P: (954) 894-7776
DIAMANCAR INC.3655 N.W. 48TH ST
MIAMI FL 33142
Email: info@diamancar.com
P: (305) 633-3304
F: (305) 633-3320
LEE'S CAR CARE714 NW 8TH AVE
FORT LAUDERDALE FL 33311
Email: leescarcare@bellsouth.net
P: (954) 463-4835
F: (954) 463-6477
TCA BROWARD COLLISION WEST10301 NW 50TH ST.
SUNRISE FL 33351
Email: cchampion@browardcollision.com
P: (954) 748-9902
F: (954) 748-6994
CHARLIES BODY SHOP7006 SW 13TH STREET
MIAMI FL 33144
Email: javier@charliespbs.com
P: (305) 266-7880
F: (305) 264-9952

– 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 auto 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 auto 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 all the way 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 here.

– 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 jaunt to some of the larger cities nearby Miramar, scooter or bike rentals could be an option.

– Parking in Metro Areas

There are a number of 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.

Broward County Air Quality Index201620172018
Days with AQI362357365
Good Days296275291
Days Moderate667774
Days Unhealthy for Sensitive Groups050
Days Unhealthy000
Days Very Unhealthy000

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 provider discounts for auto 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.

veterans by service period miramar

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.

InsurerPercentage Saved with Discount
AllstateN/A
FarmersN/A
Geico (may be active or retired)15%
Liberty Mutual (must be active duty)4%
MetLife15% (could vary based on years of service)
Safeco (may be active or retired)N/A
USAA (policyholder, spouse, or parents must be active or retired military to secure policy)N/A

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.

GroupAnnual PremiumCompared to State Average (+/-)Compared to State Average (%)
Allstate$7,440.46$2,760.0037.09%
Geico$3,783.63-$896.83-23.70%
Liberty Mutual$5,368.15$687.6912.81%
Nationwide$4,339.60-$340.86-7.85%
Progressive$5,583.30$902.8416.17%
State Farm$3,397.67-$1,282.79-37.75%
USAA$2,850.41-$1,830.05-64.20%

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 in order 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 dish
  • The truck must 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 here.

– Tiny Homes

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 here.

Miramar Car Insurance FAQs

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

– Miramar Q & A

  • 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.
  • What is the cost of living like in Miramar? Sperling’s Best Places measures the cost of living in cities across the country numerically. Cities 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.
  • What are the minimum auto insurance requirements? Florida drivers must carry minimum coverages of $10,000 personal injury protection (PIP) and $10,000 property damage liability coverage.
  • What do I do if I get into an auto 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 certain qualifiers.
  • 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.

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.

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