What drives up car insurance rates in Hialeah?

Car Insurance in Hialeah

Florida is known for its costly premiums, as its mean rate is $451 greater than the national average. Premiums run even higher in the city, so if you are insuring a vehicle in Hialeah, saving money is imperative. Who doesn't like to save money? Check out some tips below about how to save on car insurance in Hialeah.

  • City Average: $2,709
  • State Average: $1,878
  • National Average: $1,427

Hialeah Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can influence your car insurance premiums. A DUI will increase your car insurance premiums more than other driving violations. $1,386 is the extra cost per year for drivers with a DUI in Hialeah, compared to the city average of $2,709. Reckless driving will bump your premiums up as well, with average rates of $4,051. Being at-fault in an accident can cost drivers an extra $1,071 per year to insure your vehicle in Hialeah.

  • DUI: $4,095
  • Reckless Driving: $4,051
  • At-fault Accident (damages less than $1000): $3,780
  • At-fault Accident (damages greater than $2000): $3,780
  • Speeding Ticket (16-20 mph over speed limit): $3,477

Hialeah Car Insurance by Credit Rating

There is a disparity of $2,912 per year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers can save around $808 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $5,279
  • Fair: $4,291
  • Good: $3,483
  • Very Good: $2,841
  • Exceptional: $2,367

Hialeah Car Insurance by Gender and Marital Status

There are several factors, including marital status and gender, that have an effect on car insurance premiums in Hialeah. Males have premiums that are roughly 3% cheaper than those for females. Rates for those who are widowed are marginally cheaper than rates for those who are single. People who are single spend an average of $103 more per year compared to those who are married.

  • Female: $2,796
  • Male: $2,709
  • Single: $2,709
  • Married: $2,606
  • Divorced: $2,709
  • Widowed: $2,660

Hialeah Car Insurance by Age

Among all age groups, drivers in their 50s have the lowest premiums, with rates of $2,458/year. People in their 60s ($2,490) aren’t paying much more. When Hialeah drivers hit their 20s, therefore moving out of the teenage age range, they save an average of 53% annually, the largest gap between any age group. Rates continue to trend downward up until drivers turn 60. Teenage drivers are the ones who pay the most in car insurance premiums, with typical rates of $7,621.

  • Teenagers: $7,621
  • 20s: $3,553
  • 30s: $2,691
  • 40s: $2,634
  • 50s: $2,458
  • 60s: $2,490
  • 70s: $3,010

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

Hialeah Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Hialeah, you can expect 132 rainy days with an annual rainfall of 66 inches. Hialeah is also known to experience thunderstorms and occasional hurricanes. You can check on the condition of the roads anytime here.

132

Rainy Days a Year

66"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Hialeah

Major Highways
I-75 U.S. 27 SR 826
Public Transit
HTS Bus
Toll Roads
Homestead Extension of Florida's Turnpike SR 112

Find Local Hialeah Agents

BenTrust Insurance Group

701 Waterford Way #300 Miami, FL 33126

Prime Insurance Alliance, Inc.

5835 Blue Lagoon Dr, Ste 304 Miami, FL 33126

PROFESSIONAL INSURANCE AGENCY GROUP INC

8660 W Flagler St, Ste 101A Miami, FL 33144

Insurance Office of America, Inc.

1150 NW 72 Ave Ste 530 Miami, FL 33126

57 Insurance Agency Florida LLC

53 W 21st St Ste 1 Hialeah, FL 33010

The Madison Insurance & Financial Group

15190 SW 136th St Miami, FL 33196

Butler, Buckley, Deets, Inc.

6161 Blue Lagoon Dr #420 Miami, FL 33126

iSure Insurance Brokers

8700 West Flagler Street Miami, FL 33174

Dopazo & Associates Inc

8725 NW 18 Terrace Ste 300 Miami, FL 33172

NCF Insurance Associates, Inc.

8700 W Flagler St Ste 320 Miami, FL 33174

Arthur J Gallagher Risk Management Services, Inc.

8333 NW 53rd St Ste 600 Miami, FL 33168

Koski & Co, Inc

9875 Sunset Dr Miami, FL 33173

ABACOA Insurance Group, Inc.

8000 NW 7th St Ste 202 Miami, FL 33126

Kahn Carlin Insurance

3350 S. Dixie Highway Miami, FL 33133

Insurance Marketing Center Inc

2500 NW 79 Ave Ste 208 Miami, FL 33122

Morris & Reynolds Insurance

14821 South Dixie Highway Miami, FL 33176

See All

Not sure about Hialeah

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$3,613

The average Hialeah resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

578

That's equal to 578 cups of coffee or $1,445 in savings

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Hialeah Car Insurance

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