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|
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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 companies 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)|
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|
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|
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|
|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|
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|
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
Hialeah Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, & decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Hialeah Agents
The Madison Insurance & Financial Group
15190 SW 136th St Suite 21, Miami, FL 33196
Morris & Reynolds Insurance
14821 South Dixie Highway, Miami, FL 33176
PROFESSIONAL INSURANCE AGENCY GROUP INC
8660 W Flagler St, Ste 101A, Miami, FL 33144
Butler, Buckley, Deets, Inc.
6161 Blue Lagoon Dr #420, Miami, FL 33126
Koski & Co, Inc
9875 Sunset Dr, Miami, FL 33173
ABACOA Insurance Group, Inc.
8000 NW 7th St Ste 202, Miami, FL 33126
iSure Insurance Brokers
8700 West Flagler Street Suite 270, Miami, FL 33174
Arthur J Gallagher Risk Management Services, Inc.
8333 NW 53rd St Ste 600, Miami, FL 33168
Insurance Marketing Center Inc
2500 NW 79 Ave Ste 208, Miami, FL 33122
Dopazo & Associates Inc
8725 NW 18 Terrace Ste 300, Miami, FL 33172
Kahn Carlin Insurance
3350 S. Dixie Highway, Miami, FL 33133
BenTrust Insurance Group
701 Waterford Way #300, Miami, FL 33126
Prime Insurance Alliance, Inc.
5835 Blue Lagoon Dr, Ste 304, Miami, FL 33126
57 Insurance Agency Florida LLC
53 W 21st St Ste 1, Hialeah, FL 33010
NCF Insurance Associates, Inc.
8700 W Flagler St Ste 320, Miami, FL 33174
Insurance Office of America, Inc.
1150 NW 72 Ave Ste 530, Miami, FL 33126
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