bestauto insuranceHialeah2022Compare the Cheapest Car Insurance Quotes in Hialeah, FL
The average cost to insure a car in Hialeah is $2,812 per year, $604 more expensive than the average annual state premium. The cheapest widely available provider in the city is GEICO, which has an average rate of $1,396. MoneyGeek evaluated the cheapest insurers across various coverage levels and driving histories. MoneyGeek also ranked the best auto insurers that balance cost and quality.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By |
Mark Fitzpatrick
Quality Verified
GEICO offers the cheapest average rates in Hialeah for full and minimum coverage as well as for drivers with speeding tickets. However, rates can vary by coverage amount and driver profile. USAA is the best option for military families. In terms of balancing affordability and quality service, Esurance tops the list by MoneyGeek’s standards.
bestauto insuranceHialeah2022The Cheapest and Best Car Insurance in Hialeah
The Cheapest Car Insurance Companies in Hialeah
Based on average auto insurance rates, the most affordable options for a full coverage policy in Hialeah are:
- GEICO: $1,396 per year
- MetLife: $2,254 per year
USAA is the cheapest company at $1,213 per year. However, it was excluded in the ranking as it has limited eligibility and is only open to military families.
At more than two times the price of GEICO, Mercury’s policies cost $3,642 on average per year, the most expensive in the city.
A full coverage policy includes liability, comprehensive and collision insurance.
Cheapest Car Insurance in Hialeah
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,213
- 2.$1,396
- 3.$2,254
- 4.$2,530
- 5.$2,564
As detailed in MoneyGeek’s methodology, we used a sample profile for a 40-year old male driver to gather and evaluate auto insurance rates in Hialeah.
To ensure overall financial protection, drivers can get a full coverage policy that does not only protect them during accidents but also for any type of damages. A full coverage insurance is generally more expensive due to the following added coverage:
- Collision Insurance: Protects the driver in case of a collision with another vehicle or a stationary object
- Comprehensive Insurance: Protects the driver from damages other than a collision such as theft, vandalism, glass damage, natural disaster, etc.
For older car owners, it may be important to consider whether your full coverage premium is worth more than your car. In this case, a state minimum policy could be a better choice.
Compare Car Insurance Rates in Hialeah
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Hialeah for Minimum Coverage
In Hialeah and elsewhere, your choice of coverage level will affect the cost of your auto insurance. Hialeah drivers who buy a state minimum liability-only policy typically pay around $1,461 per year. Those who have a full coverage policy with higher liability limits pay an average of $2,812, which is $1,352 more.
Cheapest Minimum Liability Car Insurance in Hialeah
State Minimum
All Florida drivers are required to have state minimum liability-only auto insurance. While it’s the cheapest auto insurance option in Hialeah, the drawback is that you may have to pay substantially more out of pocket after an accident than higher premiums would have cost you.
For example, let’s say you're in an accident and the other driver’s total medical bills reach $25,000. You would be responsible for the difference between the insurer payout of $10,000 and the total amount owed. That’s $15,000 out of your pocket.
Florida Minimum Liability Requirements
- ItemDescription
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
Cheapest Car Insurance in Hialeah if You Have Driving Violations
Driving behaviors directly impact your rates since a bad driver pays more than a safe driver.
The following insurers offer the cheapest rates on average for various violations:
- Cheapest after a ticket: GEICO, $2,528 per year
- Cheapest after an at-fault accident: GEICO, $1,973 per year
- Cheapest after a DUI: State Farm, $2,791 per year
Drivers can still get cheaper rates after an accident by getting a policy from the above companies or comparing rates. If they wish to lower their premiums, one thing to do is to improve their driving record over time.
Cheapest Car Insurance in Hialeah With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,343
- 2.$2,528
- 3.$2,530
- 4.$2,647
- 5.$2,791
Average Cost of Car Insurance in Hialeah
Hialeah$2,812
Florida$2,208
U.S.$1,424
Average car insurance in Hialeah is much higher than both the Florida and national averages. The average annual premium in the city is $2,812, which is 27.4% more than the state average and 97.5% higher than the U.S. average of $1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Hialeah
Auto insurance firms consider a number of factors to calculate car insurance quotes in Hialeah. These elements include your gender and age, marital status, driving history and more. For example, GEICO’s average policy for 18-year-olds in Hialeah is nearly three times more expensive than its similar plan for 40-year-olds. We recommend that you regularly get a personalized quote that takes into consideration your changing circumstances.
Compare Car Insurance Rates in Hialeah
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Hialeah
MoneyGeek ranked the best auto insurance carriers in Hialeah in terms of affordability and quality of service. MoneyGeek’s study found that the best companies in the city for most drivers are:
- Esurance: MoneyGeek score of 95 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA received the highest score in Hialeah by MoneyGeek's rating system. However, because USAA is only available to military families, it is not listed as best overall.
MoneyGeek’s rating system includes J.D. Power user satisfaction, affordability and financial stability scores.
1
USAA
Score:100
2
Esurance
Score:95
3
GEICO
Score:85
4
Travelers
Score:85
5
MetLife
Score:82.5
6
Hartford
Score:82.5
7
Liberty Mutual
Score:80
8
Auto-Owners Insurance Co
Score:80
9
State Farm
Score:77.5
10
Nationwide
Score:77.5
11
Progressive
Score:75
12
Safeco
Score:75
Average Cost of Car Insurance by Postal Code
ZIP codes also make a difference for your auto insurance cost because of factors like the number of car thefts, accidents and uninsured drivers in your neighborhood. For example, those living in the 33015 ZIP code of Hialeah pay $231 less on average than those residing in ZIP code 33012, which is the most expensive area in the city in terms of auto insurance.
- Zip CodeState Minimumper year
- 33015$2,717
- 33016$2,772
- 33012$2,948
Factors That Impact Insurance Costs in Hialeah
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Hialeah. How Hialeah ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Hialeah are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
