Cheapest car insurance in Hialeah, Florida (2023 rates)

The top five auto insurance options in Hialeah are Geico, State Farm, AIG, Travelers and Mercury. Not only do these companies have lower than average prices for both minimum and full coverage in the city, but they also offer good customer service and high quality coverage.

Keep reading: Cheap car insurance

Unless otherwise stated, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving record.

Our data shows that the average cost of car insurance with minimum coverage in Hialeah is $188 per month or $2,257 per year. That’s about 261% more than the US average $52 per month or $627 per year. Similarly, full coverage insurance expenses $378 per month or $4,534 per year average, which is about 126% more expensive than the national average $167 per month or $2008 per year.

Cheapest car insurance Liability in Hialeah

Geico offers the cheapest liability insurance with average rates of $59 per month or $712 per year. State Farm is the second cheapest option in Hialeah with average prices from $110 per month or $1,326 per year.

Liability coverage is the minimum coverage required by the state of Florida. According to Florida law, all drivers must either meet or exceed the following minimum requirements:

• Liability for property damage of $10,000 per accident
• $10,000 Personal Injury Protection (PIP)

Although PIP is not required in most states, it is valuable because it pays for policyholders’ medical expenses after a car accident. Unlike PIP, Florida does not require the purchase of uninsured motorist coverage. However, many Hialeah drivers choose to purchase this type of insurance anyway.

The cheapest full coverage car insurance in Hialeah

A full coverage auto insurance policy can be expensive in Hialeah. Full coverage includes liability plus comprehensive insurance and collision coverage, which protect against damage to your vehicle after car accidents, bad weather and cases of vandalism or theft. Geico is the cheapest full coverage option in town with average prices from $159 per month or $1,907 per year.

Various factors affect car insurance rates, so the most affordable company for one driver may not work for another. In this installment, we’ll look at car insurance costs in Hialeah based on the driver’s age, credit score, and driving history. Since Hialeah has multiple zip codes with different average car insurance costs, our team will consider those as well.

Easy ways for Hialeah drivers to save on auto insurance are by increasing their deductibles and by bundling auto coverage with home insurance, renters insurance, life insurance or health insurance. These insurance services can also cost less if you compare free quotes from multiple insurance agencies throughout the Miami area.

Hialeah auto insurance costs by age

The reason teenagers pay more for car insurance is because they have a higher chance of getting into a car accident or violating traffic rules. Our data shows this 16 year olds I pay approx $633 per month or $7,594 per year for car insurance in Hialeah.

Car insurance gets cheaper as drivers age, especially when they reach their 20s. Here are the average costs of car insurance with minimum coverage in Hialeah for different age groups.

Cheapest car insurance in Hialeah: Teenagers

Car insurance for teenagers is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Geico is the cheapest car insurance company for teen drivers, with coverage minimums of up to $170 per month or $2,046 per year. State Farm, AIG and Travelers also offer affordable premiums for teenagers in Hialeah.

Hialeah auto insurance costs by credit score

Auto insurance companies in many states, including Florida, may consider credit scores when setting premiums. If someone has a poor credit score, they will pay higher car insurance rates and it works the other way around for those with good credit.

Cheapest car insurance in Hialeah: Bad credit

Our rate data shows that Geico is the cheapest option for bad credit car insurance in Hialeah. The company offers minimum coverage policies to drivers with bad credit for rates of $114 per month or $1,362 per year. That’s 40% less than the overall state average for good credit minimum coverage.

Hialeah auto insurance costs according to driver’s license

If you’ve been issued speeding tickets, been in car accidents, or have a DUI on your driving record, you should anticipate higher auto insurance costs. On average, speeding can increase your rates by 26%, an at-fault accident by 44%, and a DUI by 30%.

Different companies have different price increases on average. However, our research revealed Geico as the top choice in Hialeah for those with violations on their driving record. The table below shows the average rates by company for drivers who have either a speeding ticket, an accident or a DUI on their record.

Keep reading: Insurance rates for high risk drivers

Cheapest car insurance in Hialeah: Speeding ticket

Let’s dive a little deeper into pricing for high-risk drivers. According to our data, Geico offers the cheapest auto insurance rates to drivers who have a speeding ticket on their record — $109 per month or $1,302 per year. State Farm follows close behind with an average monthly rate of $121, while AIG, Allstate and Travelers round out the top five low-cost options. speeding ticket car insurance in Hialeah.

Cheapest car insurance in Hialeah: at-fault accident

If you cause a car accident while driving, it will quickly change your car insurance rates in the wrong direction. Geico and State Farm are the cheapest options here with average prices of $89 per month and $133 per month, respectively. You can see that some car insurance companies charge much more for this amount of coverage after an accident.

Cheapest car insurance in Hialeah: DUI

Getting a DUI is a serious crime that can cause your Hialeah car insurance rates to jump by hundreds of dollars a year. Geico is very inexpensive compared to other companies, offering average prices from $113 per month or $1,353 per year for DUI drivers. State Farm, AIG and Allstate are also good options with rates under $224 per month on average.

Hialeah auto insurance cost by zip code

The rate of insurance claims in different areas of the city affects how much you will pay for car insurance. Below you can see that certain zip codes in Hialeah are up to 0.5% cheaper or more expensive than the city average.

While auto coverage in Hialeah is 66% higher than Florida auto insurance and 261% more than the national average, there are still affordable providers to shop around. Geico offers the cheapest minimum and full coverage in town for about $59 per month and $159 per month, respectively.

Compare free quotes to find the company that meets your Florida auto insurance needs at the best price. You can compare insurance products and get quotes online or from insurance agents. There are English and Spanish speaking agents throughout South Florida who can help drivers obtain coverage from insurance providers throughout the state.

Here are some frequently asked questions about the cheapest auto insurance in Hialeah, FL:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.