Hialeah, FL Car Insurance

How much does auto insurance cost in Hialeah?

The average car insurance rate in Hialeah is $3,179 per year. That's more than the average across Florida ($2,309) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Hialeah.

AUTO INSURANCE: HIALEAH RATES VS. STATE + NATIONAL AVERAGES

Hialeah Average (annual)	Florida Average	National Average
$3,179	$2,309	$1,548

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• Provider
• Age group
• Marital status/gender
• Driving record
• Credit score

Hialeah car insurance costs by provider

The difference in auto insurance rates from company to company can be substantial. In Hialeah, GEICO provides the most affordable rates for the typical insurance customer. See below the best auto insurers for cheap auto insurance in Hialeah — but don't forget to get personalized car insurance quotes to match your driving profile.

HIALEAH CAR INSURANCE RATES BY COMPANY

Insurance Company	Average Rate (annual)
GEICO	$2,376
State Farm	$3,344
Allstate	$4,255
Progressive	$4,347

Read our guide to finding the cheapest auto insurance.

Hialeah car insurance costs by age

The age group that enjoys the lowest auto insurance rates in Hialeah are drivers in their 50s, who pay an average of $2,893per year. Rates for Hialeah drivers in their 60s are also relatively affordable, at just $2,943 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Hialeah. When drivers hit their 20s in Hialeah and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Hialeah is $4,864, the largest such difference between any two age groups.

HIALEAH AUTO INSURANCE COSTS BY AGE

Age tier	Average Yearly Rate
Teens	$8,897
20s	$4,033
30s	$3,160
40s	$3,085
50s	$2,893
60s	$2,943
70s	$3,575

Learn more about the impact of age on car insurance premiums.

Hialeah car insurance premiums by gender and marital status

In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers usually pay less for car insurance than their single counterparts. In Hialeah, married motorists pay $118 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Hialeah, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Hialeah, female drivers pay more for auto insurance than do male drivers: $114 per year, to be precise.

HIALEAH CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER

Marital Status/Gender	Average Yearly Rate
Female	$3,293
Male	$3,179
Single	$3,061
Married	$3,061
Divorced	$3,179
Widowed	$3,133

Read more about the relationships between gender, marital status and insurance rates.

Hialeah auto insurance costs by citation and accident history

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Hialeah, a reckless driving citation results in an average insurance rate increase of $1,591 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,413 increase and a speeding ticket triggers an $826 rate hike.

HIALEAH CAR INSURANCE RATES AFTER A COLLISION OR CITATION

Violation	Average Annual Rate
DWI/DUI	$4,591
Reckless Driving	$4,769
At-fault Accident (damages < $1,000)	$4,438
At-fault Accident (damages > $2,000)	$4,438
Speeding Ticket (16-20 mph over speed limit)	$4,004

Get more info on how a bad driving history can impact your car insurance costs.

Hialeah auto insurance rates by credit score

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Hialeah drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 62% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Hialeah, improving your credit to "Fair" corresponds with a $2,612 decrease in annual car insurance rates.

HIALEAH CAR INSURANCE RATES BY CREDIT LEVEL

Credit Tier	Average Yearly Rate
Very Poor	$6,575
Fair	$3,963
Good	$3,179
Very Good	$2,860
Exceptional	$2,504

Learn more about the relationship between poor credit and car insurance.

What drives up car insurance rates in Hialeah?

Where you live in Hialeah affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Hialeah is no exception to the rule. From ZIP code 33002 to 33010, premiums rise by 55 percent—that's $1414.

Expensive Hialeah ZIP codes: 33012, 33142, 33147, 33013, 33010

Cheap Hialeah ZIP codes: 33002, 33017, 33166, 33015, 33018