Cheapest and Best Car Insurance in Hialeah, FL (2023)

The best insurer for you may vary depending on your coverage needs and budget. GEICO has the cheapest rates for both minimum and full coverage policies, as well as for drivers with an at-fault accident on their record. Meanwhile, State Farm has the cheapest rates for drivers with DUI offenses and speeding tickets. Travelers is our top choice for customer service.

The following insurers offer the cheapest minimum coverage policies in Hialeah:

• GEICO: $578 per year
• Nationwide: $1,073 per year

Direct General Insurance has the most expensive policies in the city at $2,904 per year. Although GEICO is the cheapest insurer in the city, State Farm offers the cheapest auto insurance in Florida at $485 per year as of October 2022. This shows how location can impact the cost of your insurance.

A minimum coverage policy in Florida covers property damage liability and personal injury protection. Specifically, minimum coverage policies in Florida must include:

• $10,000 property damage liability per accident
• $10,000 personal injury protection

Liability insurance pays for the cost of damages to the other vehicle and driver if you’re found at fault in an accident. With the liability limits included above, an insurer would pay for up to $10,000 in property damages per accident. You will be responsible for any costs exceeding this amount. This policy would also pay up to $10,000 to cover your or your passenger's medical expenses after an accident.

The following insurers offer the cheapest rates in Hialeah for a full coverage car insurance policy:

• GEICO: $1,472 per year
• State Farm: $1,980 per year

Direct General Insurance offers the most expensive policies at $4,561 per year. State Farm offers the cheapest full coverage car insurance in Florida at $1,058 per year as of October 2022.

Full coverage policies cover more ground when it comes to protecting you as the policyholder. In addition to the liability coverages, a full coverage policy will have the following insurance or protection:

• Collision Insurance pays for damages resulting from a collision with another vehicle or an object.
• Comprehensive Insurance pays for other types of damages outside of a collision, like natural disasters, theft, hail, etc.

Although full coverage policies are generally the recommended type of policy to get, you may need to assess how old your vehicle is before purchasing a full coverage policy. Otherwise, you’d be wasting hundreds of dollars in premiums for a vehicle with low value.

In Hialeah, drivers with the following traffic violations will get the cheapest rates for a full coverage policy with these insurers:

• Speeding ticket: State Farm ($2,245 per year)
• Accident: GEICO ($2,323 per year)
• DUI: State Farm ($2,245 per year)

Drivers with speeding tickets and at-fault accidents will get the most expensive rates from Direct General Insurance, with policies costing $4,561 per year and $6,358 per year, respectively. Meanwhile, Nationwide is the most expensive provider in Hialeah after a DUI offense at $5,274 per year. A driving violation will significantly impact your car insurance rate; even “cheap” rates for drivers with violations will still be more expensive than average-priced rates for drivers with a clean history.

Typically, the cost of your insurance will also increase in proportion to the severity of your driving offense. For instance, a driver in Hialeah with a speeding ticket will pay $456 more for car insurance than one with a DUI offense. Although more costly, it’s still possible to find relatively cheap car insurance with a bad driving record.

The cheapest car insurance companies for 16-year-old teens on a family policy in Hialeah are:

• 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 most expensive policies for male and female teens at $9,427 and $9,575 per year, respectively. Often, male teens pay more for car insurance than female teens, as insurers consider them riskier to insure. However, this rate difference drops off in early adulthood.

It can be more expensive for teen drivers to purchase an individual policy than to join a family policy. To get the cheapest car insurance for teens, enroll them under a family policy. For instance, a 16-year-old male in Hialeah could save up to $4,940 per year by joining a family policy instead of purchasing an individual one.

Military drivers can get the cheapest full coverage policies from the following companies:

• GEICO: MoneyGeek score of 75 out of 100 ($1,472 per year)
• State Farm: MoneyGeek score of 71 out of 100 ($1,980 per year)

GEICO and Nationwide offer the cheapest minimum coverage policies at an average of $578 and $1,073 per year, respectively. USAA Auto Insurance also offers cheap military car insurance that tailors its services to this particular driver group.

Getting a single online auto insurance quote could take up to 15 minutes. When comparing rates for multiple providers, this time can add up. Fortunately, MoneyGeek’s car insurance calculator can help you get started. Simply input your age, vehicle type, coverage level and driving record to receive an estimate.

The best insurer for you will vary depending on how much you value factors like cost, coverage options and customer service. The following insurers are the best options for their respective categories:

• Best overall: GEICO (MoneyGeek score of 75 out of 100)
• Best for service: Travelers (MoneyGeek score of 60 out of 100)
• Best cheap: GEICO (MoneyGeek score of 78 out of 100)

Although GEICO is the best insurer in the city, State Farm offers the best car insurance in Florida. Military members and their families may consider USAA for their car insurance needs, as it’s known nationwide for its quality policies.

Overall, the following insurers offer the best full coverage car insurance policies in Hialeah:

• GEICO: MoneyGeek score of 75 out of 100 ($1,472 per year)
• State Farm: MoneyGeek score of 71 out of 100 ($1,980 per year)

GEICO is our top pick, offering the cheapest rates and boasting the second-highest customer service rating. This means you won’t have to pay top dollar for quality service.

The following insurers provide the best customer service in Hialeah, irrespective of cost:

• Travelers: MoneyGeek score of 60 out of 100 ($2,355 per year)
• State Farm: MoneyGeek score of 58 out of 100 ($1,980 per year)

Of the insurers in our study, Travelers has one of the highest ratings for customer service and claims management. However, it is more expensive than the majority of the providers we evaluated.

MoneyGeek’s best cheap insurance company in Hialeah combines affordability and service quality for policies that only include the state-mandated liability limits in Florida:

• GEICO: MoneyGeek score of 78 out of 100 ($578 per year)
• Travelers: MoneyGeek score of 70 out of 100 ($1,158 per year)

Minimum coverage policies in Hialeah are often the least expensive, but they offer the least amount of protection and won’t cover damages to your own vehicle after an accident.

In Hialeah, the average cost of car insurance is $2,579 annually. This is $644 more than the average cost of car insurance in Florida. Car insurance in the city is also significantly more expensive than the national average cost of car insurance — $1,265 per year.

These rates are for a full coverage policy that includes 100,000 bodily injury per person, $300,000 bodily injury per accident, $100,000 property damage liability and comprehensive and collision coverage with a $1,000 deductible.