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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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
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Hialeah Car Insurance
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