Hialeah, FL Car Insurance
How much does car insurance cost in Hialeah?
The current going rate for auto insurance in Hialeah is $2,028 for a six-month policy, which is approximately $338 per month on average. It is essential to research different insurance providers and their rates to find the most cost-effective option for your needs.
Residents of Hialeah pay more than the state average for Florida ($1,459) every six months and significantly more than the national average of $880. Of our customers in Hialeah, 44% said they're paying too much for car insurance. Keep reading to get more information about what fair rates in Hialeah look like and how these costs are calculated.
| Car Insurance in Hialeah vs. Florida | Avg. 6 Mo. Premium |
|---|---|
| Florida Average | $1,459 |
| Hialeah Average | $2,028 |
The cheapest car insurance companies in Hialeah
GEICO is the cheapest at $241 per month or $1,443 for a six-month policy.
In second place is Travelers, which costs $252 per month, or $1,513 for six months.
In second place is State Farm, which costs $299 per month ($1,793 for a six-month policy).
The Zebra's key takeaways about car insurance in Hialeah:
- The average cost of a car insurance policy in Hialeah is $2,028 per six-month policy — $338 per month.
- The cheapest company in Hialeah is GEICO ($1,443).
- Hialeah ranks as the ninth most expensive city for car insurance in Florida.
- 44% of Zebra customers in Hialeah stated they used our product because they were paying too much for car insurance.
Are you paying too much for auto insurance?
Hialeah car insurance rates by company
Our 2023 data reveals that the most affordable provider for full coverage auto insurance in Hialeah is GEICO, with a monthly cost of $241 or $1,443 for a six-month policy. Travelers is the second least expensive, with an average monthly cost of $252, or $1,513 for a six-month policy.
The Zebra's Customer Satisfaction Survey offers a comprehensive overview of the top-rated car insurance companies, which you can explore further below.
Â
Cheapest car insurance companies in Hialeah, FL
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $1,443 |
| Travelers | $1,513 |
| State Farm | $1,793 |
| Allied | $1,806 |
| Allstate | $2,067 |
| Progressive | $2,498 |
| MetLife | $2,551 |
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
The most effective way to obtain cheap coverage that satisfies your requirements is to compare. Insurance companies have varying rates, and it's necessary to do your research. Allow The Zebra to do the work for you — simply enter your ZIP code to see rates from top insurers including Progressive, GEICO, Allstate, and many more in Hialeah.
Average car insurance in Hialeah by rating factor
Insurance companies consider various factors when computing individual rates. These rating factors are generally used by all car insurance providers, but the significance they place on each factor may differ. For example, one insurer may focus more on credit score, while another might place more importance on your claims history.
Keep in mind that the ideal insurance company for you can change as your life circumstances change. Be sure to shop around for quotes every so often in Hialeah to ensure that you're getting the best rates and coverage possible as your insurance needs evolve.
Q: I didn't have an accident — Why is my insurance going up?
A:Â Hialeah's end-of-year earnings are a significant factor in determining your auto insurance premiums. You could have an outstanding driving record and still end up paying more to one insurance company over another due to the escalating cost of doing business in Hialeah.
Auto insurance premiums by age in Hialeah
Hialeah's car insurance rates are heavily influenced by age. Insurers utilize data to determine a driver's risk level and the likelihood of filing a claim or getting into an accident. Teen drivers are more prone to accidents, which is why they typically have the highest insurance premiums to help offset the cost of their claims. Drivers in their teens in Hialeah pay an average of $6,410 more per year than those in their 20s, representing the largest gap between any two age groups with an increase of 127%.
The cost of insurance for parents and their teenage drivers can be a shock, but it's critical to remember that insurance companies are in the business of managing risk. While the rate may be high initially, it will decrease over time as the teen driver acquires more experience driving and maintains a clean driving record.
Cheapest car insurance companies for teen drivers in Hialeah, FL
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $3,104 |
| Travelers | $4,489 |
| State Farm | $5,629 |
| Allied | $6,353 |
| Allstate | $6,545 |
| Progressive | $6,861 |
| MetLife | $7,201 |
Zebra Tip: The cheapest companies for Hialeah drivers between 20-40 are GEICO, Travelers, and State Farm
Most drivers in Hialeah fall between the ages of 20 and 40. On average, drivers in this age range pay $2,283 every six months, but by opting for one of these insurance providers, they could save up to 24%.
Auto insurance premiums for minimum coverage in Hialeah
In Hialeah, the amount of coverage you choose to carry is a significant factor in determining your car insurance premium. There are many Florida drivers who only carry the state minimum coverage, and while this meets the legal requirements, carrying only the bare minimum coverage may leave you underinsured.
In Hialeah, adding collision coverage or comprehensive coverage (often referred to as "full coverage" when purchased together) to your insurance policy will result in a significant rate increase, along with the need for a deductible. Despite this, a deductible can actually help you save money. By increasing your deductible, you can lower your premium since the two are inversely related.
Hialeah insurance companies also provide extra features such as roadside assistance or uninsured motorist coverage that can provide protection in the event of an accident with a driver who lacks sufficient coverage. Despite the potential increase in rates, The Zebra advises carrying these benefits to provide an extra layer of financial security and peace of mind.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
If you are leasing or financing your car, your lender will likely have insurance requirements that must be met. However, if you own your vehicle in full, you may be considering dropping comprehensive or collision insurance to save money. The Zebra advises using a resource such as Kelley Blue Book to determine the actual cash value of your car before deciding if it's worth reducing your insurance coverage. A good rule of thumb is that if your vehicle is worth less than $4,000, you can probably eliminate your collision coverage, but keep in mind that you would be responsible for repairs after a collision.
Cheapest car insurance companies for minimum coverage in Hialeah, FL
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $391 |
| Allied | $408 |
| MetLife | $464 |
| Travelers | $478 |
| Allstate | $718 |
| State Farm | $784 |
| Progressive | $1,023 |
Florida, functioning as a no-fault state, has distinct driver requirements compared to many other states. While bodily injury liability coverage is mandatory in most states, it is not a requirement according to Florida's car insurance laws. Instead, they rely on personal injury protection (PIP) to handle injury coverage. Under the no-fault law, your own PIP insurance provides coverage up to the policy limits, irrespective of fault. Unlike most states, Florida residents are not mandated to have bodily injury liability, which typically covers medical expenses for individuals injured in accidents caused by the insured driver. In Florida, PIP coverage is responsible for medical costs. However, drivers still have an obligation to maintain $10,000 in property damage liability.
Learn more about insurance laws in Florida.
Hialeah car insurance rates by credit score
In Florida, your credit score is a vital consideration in determining your insurance rate, just as it is in most states. There are several reasons for this, but ultimately it boils down to risk. Research and analysis over the years have shown that drivers with lower credit scores tend to file more claims, engage in risky driving behaviors, and have lapses in their insurance coverage. Since bad credit is linked to higher risk, the worse your credit score, the more you'll pay for car insurance.
In Hialeah, drivers with poor credit (300-579) pay 93% more for car insurance than drivers with excellent credit (800-850). However, 48% of people driving in Hialeah have a credit score that is considered good (680-719). In 2023, GEICO is the most affordable option for drivers in Hialeah in this credit range, with Travelers coming in second.
Cheapest car insurance companies for bad credit in Hialeah, FL
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $2,622 |
| Allied | $2,858 |
| Travelers | $3,152 |
| State Farm | $3,489 |
| Allstate | $3,903 |
| Progressive | $4,092 |
| MetLife | $5,189 |
Zebra Tip: If you recently improved your credit score, shop around for car insurance!
In Hialeah, our research shows that drivers with "Fair" credit pay $1,930 less for car insurance in a year than drivers with "Poor" credit. This amounts to a savings of 40%! If you've been working to improve your credit score, now might be a good time to compare car insurance rates and see how your efforts can lead to savings.
Auto insurance rates with an at-fault accident
The most common types of insurance claims in Hialeah are collision-type accidents and at-fault violations. These types of incidents can significantly increase your rates. In 2023, an at-fault accident raised the average car insurance rates in Hialeah by a difference of $140 to $150 per month. GEICO is the least expensive insurance company in Hialeah after an at-fault accident, with Travelers a close second.
The best way to keep your insurance rates affordable in Hialeah is to drive safely and avoid violations. While some things are beyond our control, do your best to avoid charges such as speeding citations, DUIs or DWIs, and reckless driving. Your car insurance rates will likely be affected by these incidents for three to five years, and some of the more serious violations can follow you for even longer periods.
Â
Cheapest car insurance companies after an at-fault accident in Hialeah, FL
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $1,838 |
| Travelers | $1,961 |
| Allied | $2,511 |
| State Farm | $2,526 |
| Allstate | $3,215 |
| Progressive | $3,696 |
| MetLife | $4,142 |
Hialeah car insurance rates by violation
Below is a breakdown of how much your Hialeah rate will increase based on the type of violation or claim.
Â
Car insurance rate increases after violations and citations in Hialeah, FL
Why is car insurance in Hialeah so expensive?
If you're looking for affordable auto insurance in Hialeah, you might have your work cut out for you. The high cost of living in this area is just one of the many factors that contribute to the overall cost of coverage. Insurance companies in Hialeah often have to charge higher rates to cover their expenses, which can include everything from employee salaries to office rent. Ultimately, drivers in Hialeah may find themselves paying more for their car insurance than they would in other parts of the state.
Auto insurance rates in Hialeah can be affected by a range of factors, including your driving record and credit score, but your specific location is also key. Some neighborhoods in the city are considered higher risk than others, either due to higher crime rates or an increased risk of accidents or thefts. Insurance companies must account for this added risk when setting rates, which can make car insurance more expensive for drivers in certain parts of the city. For drivers in safer neighborhoods, however, auto insurance may be more affordable, as their lower risk profile can translate into lower rates. One perk of auto insurance in Hialeah is that from the cheapest ZIP code to the most expensive, the difference is less than $20 per month.
The damage caused by hurricanes and other similar weather-related damage can and has bankrupted insurance companies. Florida has a tendency to be hit hard by severe storms. Because of this risk, it’s expensive for auto insurance companies in Hialeah, and throughout the state, to do business. As such, they will raise their rates to anticipate further weather-related losses. The Miami metropolitan area ranks #2 and #3 for storm surge and hurricane wind risk, respectively, as of 2022. Also, it might surprise you that Florida actually ranked in fifth position for the most wildfires in 2021.[1]
Another concern is flooding, which can happen just about anywhere if conditions are right. Damage to your vehicle caused by flooding is covered under your comprehensive coverage. If you have a new or nice vehicle, we definitely recommend considering comprehensive coverage as part of your Houston car insurance policy.
In Hialeah, the high number of cars on the road means that accidents and violations are a frequent occurrence. When there are more claims in an area, insurance companies often have to raise rates to cover their costs. For drivers in Hialeah, this can translate into higher premiums, making auto insurance a significant expense. Additionally, the prevalence of uninsured drivers on the city's roads can make accidents even more costly, as victims may end up paying for damages out of pocket.
Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Florida
Damage caused by weather-related events is covered under comprehensive coverage. Florida experiences a fair amount of severe weather, so if you're worried about flooding or other weather-related events damaging your vehicle, this coverage may be right for you.
If you're concerned about the number of uninsured drivers on the roads in your area, adding uninsured motorist coverage (UMPD) to your auto insurance policy can be a smart move. This coverage can help protect you in the event of an accident with an uninsured driver, covering damages to your vehicle or medical bills resulting from any injuries sustained. UMPD coverage is often cheaper than collision coverage and may have a lower deductible, making it an affordable option for many drivers.
Bundling insurance policies in Hialeah
As car insurance rates continue to climb, it's important to look for ways to save money on your policy. One effective strategy is to bundle your policies with a single insurance company. By combining your auto insurance with a renters or homeowners policy, you may be eligible for discounts that could help you save as much as 10% on your premiums. For drivers looking to cut costs, bundling home and car insurance can be a smart move.
If you're currently carrying separate policies for your car and home, you could be missing out on potential savings. By bundling your coverage with a single insurer, you may be able to significantly reduce your premiums. And if you're in the market for a new insurance company, be sure to ask about bundling discounts as you compare rates. Many insurers offer special rates for policyholders who combine their home and auto coverage. The companies listed below are among the best when it comes to bundling discounts.
Cheapest car insurance companies for bundling home and auto insurance in Hialeah, FL
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $1,333 |
| Travelers | $1,345 |
| State Farm | $1,507 |
| Allied | $1,635 |
| Allstate | $1,666 |
| Progressive | $2,187 |
| MetLife | $2,268 |
When it comes to the price of car insurance, there are factors that are beyond your control. However, there are steps you can take to ensure that you're not overpaying for coverage. One of these steps is shopping around for auto insurance quotes from multiple companies. By comparing rates and coverage options, you can find the most cost-effective policy that meets your needs and budget.
To get the most out of your car insurance policy, it's important to stay aware of changes that could impact your rates. Life events like improving your credit score or hitting a milestone birthday may lead to lower premiums. And if you find that your current insurance company is too expensive, consider shopping around and switching to a more affordable provider that better meets your needs.
Find the best rates for both auto and home insurance in minutes!
Frequently asked questions
Find affordable rates in minutes!
How much is car insurance near me? — explore more cities near Hialeah, FL
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.