Car insurance companies in Hialeah take your location, among several other factors, into account when computing insurance premiums. To get cheap car insurance in Hialeah, you should regularly request customized quotes for your personal requirements.
Compare the Cheapest Car Insurance Quotes in Hialeah, FL
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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.
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The Best Cheap Car Insurance Companies in Hialeah
USAA is the most affordable auto insurance firm on average in Hialeah. However, we will disregard its prices as this company only serves military members and their families. The provider with the next cheapest prices is GEICO, with coverage that’s about 161% less expensive on average than Mercury, the city’s costliest auto insurance firm.
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- CompanyAmountper year
- 1. USAA$1,213
- 2. GEICO$1,396
- 3. MetLife$2,254
- 4. Allstate$2,530
- 5. State Farm$2,564
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.
Cheapest Car Insurance in Hialeah by Coverage Amount
How much car insurance coverage you purchase in Hialeah also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
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.
In Hialeah, GEICO presents both 50/100/50 liability-only and full-coverage plans. The full-coverage package costs $354 more on average than a liability-only plan, but the additional expense could be a smart investment because you get additional coverage.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$501$760
- 2. GEICO$638$903
- 3. MetLife$1,306$1,972
- 4. Allstate$1,178$1,838
- 5. State Farm$1,679$1,995
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$1,110$1,213
- 2. GEICO$1,257$1,396
- 3. MetLife$2,125$2,254
- 4. Allstate$2,207$2,530
- 5. State Farm$2,353$2,564
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 if You Have Tickets
A big benefit of safe and defensive driving is lower car insurance premiums because violations raise the cost of your auto insurance. In Hialeah, GEICO customers with a DUI on their record pay $1,799 more on average for their coverage than those with a clean record. Similarly, GEICO customers with a speeding ticket on their record pay around $1,132 more per year than drivers with a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$1,343$1,589$2,237
- 2. GEICO$2,528$1,973$3,195
- 3. State Farm$2,791$3,018$2,791
- 4. Allstate$2,530$3,357$3,212
- 5. MetLife$2,647$3,038$5,114
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
Insurance Providers That Serve Hialeah
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.
Shopping around for car insurance in Hialeah could save you $1,416, which is enough to buy:
472Cups of Coffee
109Months of Your Favorite Streaming Service
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.
Compare Car Insurance Rates in Hialeah
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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