Short answer: car insurance in Miami, FL 33116 depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
ZIP 33116 · Miami, FL · Miami-Dade County
Florida statewide average: ~$1,864/yr (NAIC, 2023).
FAQ
How much is car insurance in ZIP 33116?
Rates in 33116 (Miami, FL) depend on coverage and profile. Compare free car insurance quotes from licensed partners.
Is ZIP 33116 in Miami?
Yes — 33116 is in Miami, Miami-Dade County, FL.
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