Compare 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.

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The 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:

  • USAA: $1,213 per year (only available to former and current military members)
  • GEICO: $1,396 per year

MoneyGeek used a sample profile to gather and evaluate auto insurance rates in Hialeah: a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision insurance.

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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 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 members, veterans and their families, it is not listed as best overall.

MoneyGeek’s rating system includes J.D. Power’s user satisfaction, affordability and financial stability scores.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Esurance
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Travelers
Score:85

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

5
MetLife
Score:83

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:83

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Liberty Mutual
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Auto-Owners Insurance Co
Score:80

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
State Farm
Score:78

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Progressive
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Safeco
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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.

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

Cheapest Car Insurance in Hialeah by Coverage Amount

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.

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: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Hialeah if You Have Driving Violations

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.
    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
  • 6.
    Allied
    $3,861
    $4,114
    $6,049
  • 7.
    Progressive
    $5,088
    $5,874
    $4,562
  • 8.
    Travelers
    $4,915
    $4,999
    $6,635
  • 9.
    Mercury
    $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.

accident2 icon
Most Accidents With Fatalities36th/300
handcuffs2 icon
Most Car Thefts166th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
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Most Annual Rainfall3rd/300
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Most Rainy Days30th/300

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.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.