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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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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.

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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.

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Florida Minimum Liability Requirements

  • Item
    Description
  • 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
Full Coverage
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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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $1,343
    $1,589
    $2,237
  • $2,528
    $1,973
    $3,195
  • $2,791
    $3,018
    $2,791
  • $2,530
    $3,357
    $3,212
  • $2,647
    $3,038
    $5,114
  • 6. Allied
    $3,861
    $4,114
    $6,049
  • $5,088
    $5,874
    $4,562
  • $4,915
    $4,999
    $6,635
  • $5,070
    $6,437
    $6,062

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 Code
    State 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.

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Most Accidents With Fatalities36th/300
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Most Car Thefts166th/300
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Most Uninsured Motorists by State1st/50
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Personal Injury Protection RequiredYes
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Most Annual Rainfall3rd/300
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Most Rainy Days30th/300

Shopping around for car insurance in Hialeah could save you $1,416, which is enough to buy:


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472Cups of Coffee
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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.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.