Best Cheap Car Insurance Companies in Hialeah, Fla.
The top five car insurance options in Hialeah are Geico, State Farm, AIG, Travelers and Mercury. These companies not only have lower-than-average rates for both minimum and full coverage in the city, but they also offer strong customer service and high-quality coverage.
Unless stated otherwise, 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 history.
How Much Is Car Insurance in Hialeah, Fla.?
Our data shows that the average cost of minimum-coverage car insurance in Hialeah is $188 per month or $2,257 per year. This is about 261% more than the U.S. average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $378 per month or $4,534 per year on average, which is about 126% more expensive than the national average of $167 per month or $2,008 per year.
Cheapest Liability Car Insurance 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 rates of $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:
$10,000 property damage liability per accident
$10,000 personal injury protection (PIP)
While PIP isn’t required in most states, it’s valuable because it pays for policyholders’ medical expenses after a car accident. Unlike PIP, Florida doesn’t require the purchase of uninsured motorist coverage. However, many Hialeah drivers opt to buy this type of insurance anyway.
Cheapest Full-Coverage Car Insurance in Hialeah
A full-coverage car insurance policy can be pricey in Hialeah. Full coverage includes liability plus comprehensive insurance and collision coverage, which protect against damage to your vehicle after car accidents, severe weather and instances of vandalism or theft. Geico is the city’s cheapest full-coverage option with average rates of $159 per month or $1,907 per year.
Hialeah Car Insurance Quotes by Driver Profile
Different factors impact car insurance rates, so the most affordable company for one driver may not work for another. In this part, we’ll examine the expense of car insurance in Hialeah based on the driver’s age, credit score and driving history. Since Hialeah has multiple ZIP codes with varying average car insurance costs, our team will consider those as well.
Easy ways for Hialeah drivers to save on car insurance are by increasing their deductibles and by bundling auto coverage with home insurance, renters insurance, life insurance or health insurance policies. These insurance services could also cost less if you compare free quotes from multiple insurance agencies throughout the Miami region.
Hialeah Car Insurance Cost by Age
The reason why teens pay more for car insurance coverage is because they have a higher chance of getting into a car accident or of breaking traffic rules. Our data shows that 16-year-olds pay about $633 per month or $7,594 per year for car insurance in Hialeah.
Car insurance gets cheaper as drivers grow older, especially when they reach their 20s. Here are the average minimum-coverage car insurance costs in Hialeah for different age groups.
Cheapest Car Insurance in Hialeah: Teen Drivers
Car insurance for teens 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 minimum-coverage rates as low as $170 per month or $2,046 per year. State Farm, AIG and Travelers also offer affordable premiums for Hialeah teens.
Hialeah Car Insurance Cost by Credit Score
Car insurance companies in many states, including Florida, can consider credit scores when they set premiums. If someone has a low credit score, they’ll pay higher car insurance rates, and it works the opposite way for those with good credit scores.
Cheapest Car Insurance in Hialeah: Poor Credit
Our rate data shows that Geico is the cheapest option for car insurance with bad credit in Hialeah. The company offers minimum-coverage policies to drivers with poor credit for rates of $114 per month or $1,362 per year. This is 40% less than the overall state average for minimum coverage with good credit.
Hialeah Car Insurance Cost by Driving Record
If you have been issued speeding tickets, been in car accidents or have a DUI on your driving record, you should anticipate higher car 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 varying price increases on average. That said, our research revealed Geico as the top choice in Hialeah for those with violations on their driving record. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Cheapest Car Insurance in Hialeah: Speeding Ticket
Let’s dive into prices for high-risk drivers a little more. According to our data, Geico offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $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 options for cheap speeding ticket car insurance in Hialeah.
Cheapest Car Insurance in Hialeah: At-Fault Accident
If you cause a car accident while driving, that will quickly move your car insurance prices in the wrong direction. Geico and State Farm are the cheapest options here with average rates of $89 per month and $133 per month, respectively. You can see that some auto insurance companies charge far more for this coverage amount after an accident.
Cheapest Car Insurance in Hialeah: DUI
Getting a DUI is a major offense that could cause your car insurance rates in Hialeah to spike by hundreds of dollars per year. Geico is very cheap compared to other companies, offering average rates of $113 per month or $1,353 per year to drivers with a DUI. State Farm, AIG and Allstate are also good options with rates under $224 per month on average.
Hialeah Car Insurance Cost by ZIP Code
The rate of insurance claims in different areas of the city affects how much you’ll 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.
Cheap Car Insurance in Hialeah, Fla.: The Bottom Line
While auto coverage in Hialeah is 66% higher than Florida car insurance and 261% more than the national average, there are still affordable providers to shop from. Geico offers the city’s cheapest minimum and full coverage in the city for about $59 per month and $159 per month, respectively.
Compare free quotes to find the company that meets your Florida car insurance needs at the best rate. 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 get coverage from nationwide insurance providers.
Cheapest Auto Insurance in Hialeah, Fla.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Hialeah, Fla.:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.