Cheapest and Best Car Insurance in Hialeah, FL (July 2024)

In Hialeah, Florida, GEICO has the lowest insurance rates for both minimum and full coverages, as well as for military members and families with teens. Mercury excels in customer service and overall value.

MoneyGeek found that GEICO is the cheapest car insurance option in Hialeah.

• GEICO: $762 per year
• Mercury: $1,039 per year

Direct General Insurance has the highest premium at $3,304 per year. This $2,542 difference highlights the importance of comparing rates to save big on car insurance.

In Florida, state law requires these car insurance coverage minimums:

• $10,000 property damage liability per accident
  
• $10,000 personal injury protection (PIP) per person

The state does not mandate bodily injury liability. However, if you choose to purchase it, for example, with coverage of $15,000 per person and $30,000 per accident, the insurer will pay up to those limits. You're responsible for the balance if the vehicle damage exceeds these amounts.

MoneyGeek found that GEICO is Hialeah's cheapest full coverage car insurance option.

• GEICO: $1,927 per year
• Travelers: $2,264 per year

Direct General Insurance charges the highest premium at $5,584 annually, $3,657 more than GEICO. This huge price difference highlights the importance of comparing rates for full coverage car insurance, which is more expensive than minimum coverage due to its comprehensive protection.

Upgrading to a full coverage insurance policy involves increasing your liability limits to $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident — commonly known as a 100/300/100 plan.

Full coverage also includes collision and comprehensive protection:

• Collision Insurance: Covers repair costs after a crash with another car or object (like a tree or pole), rollover accidents and pothole damage.
• Comprehensive Insurance: Covers repair costs due to non-collision incidents, such as theft, natural disasters, vandalism, fires and hitting animals like deer.

Full coverage insurance is required if you finance or lease a car and is recommended for new vehicles to protect your investment. However, this additional protection might not be cost effective for older vehicles and could increase premiums. When deciding how much car insurance you need, consider balancing higher coverage costs against the risk of inadequate coverage and potential out-of-pocket expenses if underinsured.

MoneyGeek found that the cheapest full coverage options in Hialeah for drivers with a poor driving record vary based on the type of offense:

• Speeding Ticket: Allstate ($2,853 per year)
• At-Fault Accident: GEICO ($3,064 per year)
• DUI: State Farm ($3,053 per year)

Direct General Insurance has the highest rate of $7,710 for at-fault accidents. The cheapest policy after a DUI from State Farm is $200 more expensive per year than the most affordable policy after a speeding ticket from Allstate. This price gap highlights how different traffic violations affect auto insurance rates.

In Hialeah and other cities, drivers with offenses have higher premiums because they're at greater risk to insurers. For instance, drivers with a DUI pay an average annual premium of $5,962, compared to about $5,291 for those with a speeding ticket. This difference emphasizes the need to compare insurance rates carefully for more savings.

MoneyGeek found that GEICO offers the cheapest car insurance for teens in Hialeah. These rates are for two parents and a teen driver:

• GEICO: $4,885 per year for female teens and $4,945 per year for male teens
• Nationwide: $5,456 per year for female teens
• Allstate: $6,031 per year for male teens

Progressive has the highest premium at $9,575 annually for female teens. This $4,690 difference from GEICO's lowest rate highlights the importance of comparing options, especially when adding a high-risk driver like a teenager to the policy.

Insurance premiums for individual teen policies average around $13,656 annually, compared to the $7,468 average for family plans. Insurers charge higher rates for individual plans due to teens' increased risk of accidents and claims. Many insurers prefer family plans over individual teen policies, highlighting the former's financial advantage and ease of enrollment.

MoneyGeek found that GEICO is the cheapest option for drivers with military backgrounds in Hialeah.

• GEICO: $1,927 per year
• Travelers: $2,264 per year

USAA typically offers competitive rates and excellent service tailored to the needs of active-duty military members nationwide, though it may not be the cheapest in this dataset.

Comparing car insurance options in Hialeah can help you save money. However, it usually takes time — about 15 minutes per insurer, adding up to over an hour for three or more choices. MoneyGeek's car insurance calculator simplifies this task. Input your age, driving history, credit score and coverage preferences for an instant estimate.

Choosing the right auto insurance depends on service quality, cost-effectiveness and coverage options. MoneyGeek's unique scoring system evaluated these factors to determine the best car insurance in Hialeah:

• Best overall: Mercury (86 out of 100)
• Best for service: Mercury (83 out of 100)
• Best cheap: Mercury (87 out of 100)

Mercury is the city's top car insurance provider, offering excellent overall value, top-tier service and affordability.

MoneyGeek found that Mercury offers the best car insurance in Hialeah. Here are the top providers based on our scoring system:

• Mercury: 86 out of 100 ($2,623 per year)
• State Farm: 80 out of 100 ($2,689 per year)

Mercury excels with the highest MoneyGeek score, highlighting superior value and customer service for full coverage policies. These factors contribute significantly to Mercury’s overall performance.

MoneyGeek found that Mercury is the top choice in Hialeah for outstanding customer service in car insurance, regardless of rates.

• Mercury: MoneyGeek score of 83 out of 100 ($2,623 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($2,690 per year)

Mercury achieves the highest MoneyGeek score, driven by high ratings for satisfaction and efficient claims handling. This underscores the company's commitment to promptly and effectively meeting customer needs.

MoneyGeek found that Mercury offers the best cheap car insurance in Hialeah.

• Mercury: MoneyGeek score of 87 out of 100 ($1,039 per year)
• Travelers: MoneyGeek score of 80 out of 100 ($1,124 per year)

Mercury excels in both cost efficiency and service quality for minimum coverage policies. While affordability is critical, Mercury's strong ratings in customer satisfaction and claims handling further solidify its position as a leading insurer.

Residents in Hialeah pay an average premium of $3,233, which is $841 more than the state average of $2,392. Florida's average is $611 above the national average of $1,781.

Location significantly impacts car insurance costs due to accident rates, thefts and claims frequency. Premiums vary widely by city across Florida. For example, Gainesville has the lowest premium at $1,699, which is $1,534 less than Hialeah, the most expensive city. This difference highlights how urbanization and traffic density affect insurance costs, suggesting that less populated areas may offer lower rates.