Best Auto insurance Rates in Hialeah, Florida

On average your neighbors pay $98 a month.

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Amelia Earhart started her famous flight from Hialeah. But if you prefer to travel closer to the ground, you’ll need car insurance. And if you don’t want to overpay, you’ll need to compare auto insurance quotes. This page will help you do that. We cover

Average Hialeah Insurance Rates

How much is car insurance in Hialeah, FL? Unfortunately, car insurance is extremely expensive across Florida. Premiums suffer from no-fault laws, high claim rates, bad weather, fraud, and more. Also, everyone in Florida must have Personal Injury Protection insurance. As such, the average car insurance in Florida costs $1,185.25 per year. Compare that to the national average price of $889.01 per year.

Prices may vary based on your zip code, driving history, car make and model, and more.

Florida Average Annual Car Insurance Rates
Coverage Rates
Liability $857.64
Collision $282.96
Comprehensive $116.53
Total Cost Per Year $1,185.25
Price Per Month $98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the average Florida insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Florida car insurance increased from $1,090 in 2011 to $1,140 in 2015. This is a jump of $94 dollars, or 7.22 percent.

Florida average car insurance rates

Buying car insurance in Hialeah can be a hurdle. Let QuoteWizard help you compare rates in a timely manner. All it takes is few clicks and you’ll have your quotes.

Last year, 13,738 people used QuoteWizard to compare car insurance in Hialeah, FL from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Hialeah, FL

These are the most popular car insurers reported by QuoteWizard users in Hialeah, Florida. Of them 1,037 were uninsured when they requested a quote.

Top 10 Vehicles in Hialeah

These are the most popular makes and models owned by Hialeah, FL QuoteWizard users.

  1. Toyota Corolla L/LE/Base
  2. Nissan Altima 2.5/S
  3. Toyota Camry LE
  4. Honda Accord LX/EX
  5. Toyota Corolla CE/LE/Base
  6. Honda Civic EX/LX
  7. Ford F-150
  8. Nissan Rogue S
  9. Nissan Versa S
  10. Hyundai Sonata
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Hialeah, FL

Florida requires that all drivers carry minimum liability coverage of 10/10. This means your policy must include: 

  • $10,000 Personal Injury Protection (PIP) per person:
    The max amount paid for a person injured in a car accident.
  • $10,000 Personal Injury Protection (PIL) per accident:
    The total amount paid for every person injured in a car accident.

Florida is one of the few states that doesn’t require drivers to carry Bodily Injury Liability coverage.

Recommended Coverage Levels

Minimum coverage may look cheaper short term, but not after an accident. This coverage doesn’t include collision or comprehensive coverage. If your policy doesn't cover part of your accident, the price tag could be huge.

Given that, we recommend the following coverage: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Hialeah Drivers

Insurance is more expensive in areas with a history of accidents. How does Hialeah fare? QuoteWizard ranked state and city drivers from best to worst. According to our data, Florida came in as the 49th worst state for driving. That’s great for policyholders.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.

Weather

Hialeah gets a serious amount of rain. Their average annual rainfall is 59 inches. This is 20 inches more than the national average. Rain of this level can make visibility and road control difficult, leading to accidents.

Road Conditions

TRIP reports that 31% of Florida's roads are in poor to mediocre condition. Driving on these bad roads costs drivers $370 a year in extra car operating costs.

Traffic Congestion

Avoiding congested areas reduces your risk of an accident. According to DataUSA, the average commute in Hialeah is 22.7 minutes.

Moving Violations

Citations and at-fault accidents affect your driving record. People with a bad driving record pay more for car insurance – if they can find a company to cover them.

Traffic Tickets

Depending on how fast you’re going and where you’re speeding, a speeding ticket in Hialeah will cost you anywhere from $144 to $619.

DUI and DWAI Arrests

If you are charged with a DUI, you can face a fine of $1000 to $5000, jail time up to five years, and a revoked license for up to ten years. On top of that, a DUI hurts your car insurance rates. Our study found that drivers with a DUI pay $830 more per year for car insurance.

SR-22 DUI/DWAI Insurance

Florida drivers with a suspended license due to DUI must file an SR-22 form. This requires the driver to carry the following insurance:

  • $10,000 bodily injury protection
  • $20,000 total injury protection
  • $10,000 property damage

Florida requires that the SR-22 be carried for three years.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Miami-Dade County reported 65,806 crashes.

Traffic Fatalities

Miami-Dade County reported 301 crash fatalities in 2017.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. That’s especially true if they drive a commonly stolen vehicle. Hialeah Police reported 3,457 motor vehicle thefts in 2017.

Save With Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Hialeah drivers can use. Get a quote and find out which discounts you qualify for.

Looking for ways to get a discount? Hialeah drivers have many options:

  1. If you’re 55 or over, see if a senior citizens discount is available 
  2. Have more than one car? Look into a multiple car discount
  3. If you live in a safe neighborhood in Hialeah, you could save money 
  4. Drop your comprehensive coverage
  5. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  6. Have more than one car? Look into a multiple car discount
  7. Bundle your car insurance with your home or renters insurance, you can cut up to 15 percent off your total bill 
  8. Take a certified defensive driving course 
  9. If you’re a safe driver with a clean record, that can add up to lower rates add up to lower rates
  10. Make sure your car as up-to-date safety features and anti-theft devices
  11. Shop around and compare car insurance rates in Hialeah.

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