Rachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Auto Insurance in Hialeah, Florida [Can’t-Miss Guide]

Hialeah City StatisticsDetails
Population236,385
City Density12,285 people per square mile
Average Cost of Insurance in City$5,659
Cheapest Car Insurance CompaniesGeico and USAA
Road ConditionsPoor share – 8%
Mediocre share – 48%
Fair share – 4%
Good share – 40%

The City of Hialeah is known as the “City of Progress,” having bounced back from a damaging hurricane in 1926 and the Great Depression to thrive during post-World War II industrial development.

Construction led to one of the longest road routes in the country, Interstate 95, which stretches through the Hialeah area to the state of Maine. Whenever you hit the highway in Florida, to comply with state law, you need car insurance.

But the thought of finding the right coverage can feel like a chore. Where do you even begin?

Don’t fret — we’ve got you covered. This guide has all the information you don’t want to miss to make an informed decision: average car insurance rates in Hialeah, information about the factors that set them, local laws, and more.

Plus if you want to compare the rates in Hialeah to car insurance rates in Florida, we’ve got you covered as well.

So, hop aboard for a journey through car insurance in Hialeah. But, before we get going, if you’re ready, enter your ZIP code in our free tool now to compare rates.

Table of Contents

Cheap Car Insurance in Hialeah

Average Monthly Auto Insurance Premiums Legend: Hialeah 21st century Allied Allstate Amica Liberty Mutual 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 460 480 500 520 $525 $209 $133 $233 $226

At an annual average cost of $5,417.90, it’s no wonder some drivers may struggle to pay car insurance premiums in Hialeah. If you’re among them, finding the right price isn’t just a priority, it’s a necessity.

This guide has come to the rescue. In this section, we’ll go over some factors you can and can’t control in pricing, such as your gender and your age, your location, your credit history, and your driving record.

This information can help you decide where you may be able to get discounts, so read on to find out how you can potentially save on your car insurance.

Does gender and age affect my car insurance in Hialeah?

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old 21st century Allied Allstate Amica Liberty Mutual 100 200 300 400 500 600 700 800 $525 $861 $209 $571 $133 $733 $233 $315 $226 $340

 
According to DataUSA, the median age in Hialeah is 44. Many drivers there are experienced enough to qualify for lower car insurance rates.

When it comes to age, who pays less and who pays more for premiums? Below is a breakdown of how much the most common age groups pay for auto insurance in Hialeah.

AgeAverage Annual Rate
17 years old$14,078.20
25 years old$5,453.78
35 years old$4,826.52
60 years old$4,357.40

Sixty-year-olds pay the cheapest rates. Generally, the older the driver, the lower their car insurance costs.

Gender bias is legal when it comes to car insurance rates in Florida. Though gender is a factor, it’s not a big one in Hialeah. For instance, females pay an average of $6,848 for car insurance, while males pay $7,178, which is a difference of over $300.

We’ve looked at age and gender. Now, let’s see how they combine with marital status for overall car insurance rates in Hialeah:

DemographicAverage Annual Rates
Married 60-year-old female$4,326.84
Married 60-year-old male$4,387.97
Married 35-year-old male$4,747.76
Married 35-year-old female$4,905.28
Single 25-year-old female$5,297.74
Single 25-year-old male$5,609.82
Single 17-year-old female$12,866.01
Single 17-year-old male$15,290.40

By now, you might have noticed a pattern: insurers charge young and inexperienced drivers such as 17-year-olds more for premiums than older, married drivers.

Now, let’s see how your neighborhood factors into your car insurance costs.

What are the cheapest ZIP codes in Hialeah?

Auto Insurance by Zip Code Legend: Miami Ft. Lauderdale Tallahassee Jacksonville Hialeah 21st century Allied Allstate Amica Liberty Mutual 25 50 75 100 125 150 175 200 225 250 275 300 325 350 375 400 425 450 475 500 525 $192 $176 $109 $144 $525 $202 $172 $98 $118 $209 $134 $93 $57 $75 $133 $216 $172 $74 $81 $233 $205 $211 $99 $131 $226

 
Insurers can raise or lower premium costs in a city based on the number of past claims filed in certain neighborhoods, whether they resulted from accidents, natural disasters, or vehicle theft. They consider districts that have historically had higher incidents and claims for them to be riskier to insure.

Let’s see the average rates for different Hialeah ZIP codes.

ZIP CodeAverage Annual Rate
33015$5,212.01
33018$5,252.96
33014$5,317.02
33016$5,414.59
33013$5,525.01
33012$5,544.34
33010$5,659.34

From the lowest to the highest ZIP code (33010 to 33015), throughout the city, there’s a cost difference of $400.

What’s the best car insurance company in Hialeah?

When you research a car insurer, there are a lot of options to consider. The least among them are car insurance prices, coverage options, financial stability, and reviews of their products and service. You may find it hard to determine how much information you need.

This section is here to help you discover which company is right for your needs.

Are you ready to find out which company is the best?

Cheapest Car Insurance Rates by Company

If you shop primarily by price, you’ll find this section the most helpful. Here’s how rates compare among the top insurers in the City of Progress:

GroupSingle 17-Year-Old FemaleSingle 17-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleMarried 60-Year-Old FemaleMarried 60-Year-Old MaleAverage
Allstate$24,279.70$25,139.10$7,264.98$7,123.18$7,872.96$7,161.34$6,646.44$6,546.92$11,504.33
Geico$6,552.25$8,229.00$3,993.74$4,046.25$3,616.94$3,631.36$3,378.98$3,378.98$4,603.44
Liberty Mutual$12,035.93$18,661.18$5,574.72$7,632.29$5,574.72$5,574.72$5,088.94$5,088.94$8,153.93
Nationwide$11,538.14$14,155.84$5,300.07$5,484.59$4,824.40$4,739.40$4,274.50$4,436.64$6,844.20
Progressive$16,118.11$17,427.25$7,187.25$6,785.25$5,824.20$5,535.01$4,899.67$5,264.08$8,630.10
State Farm$11,174.59$13,645.05$4,668.08$4,824.69$4,178.61$4,178.61$3,739.03$3,739.03$6,268.46
USAA$8,363.35$9,775.37$3,095.34$3,372.46$2,445.13$2,413.85$2,260.33$2,261.18$4,248.38

Compared to other insurers, Geico and USAA, a niche insurer for the military, offer the cheapest rates in Hialeah.

Best Car Insurance for Commute Rates

Car insurers are primarily concerned with risk assessment. So, if you put a lot of miles on your car, they can consider you riskier to insure because you may be more likely to get into an accident.

Floridians drive an average of 14,465 miles yearly. If you drive more or fewer miles than average, you may pay more or less for your premiums. To help you see how that works, here’s how much the top insurers charge for ten to 25-mile commutes:

Group10-Mile Commute.
6,000 Annual Mileage.
25-Mile Commute.
12,000 Annual Mileage.
Average
Allstate$11,178.46$11,830.19$11,504.33
Geico$4,580.65$4,626.22$4,603.44
Liberty Mutual$7,883.16$8,424.70$8,153.93
Nationwide$6,844.20$6,844.20$6,844.20
Progressive$8,630.10$8,630.10$8,630.10
State Farm$6,013.64$6,523.29$6,268.47
USAA$4,199.52$4,297.23$4,248.38

Nationwide and Progressive don’t base their rates on mileage. Among companies who do, Geico had the lowest price difference from 10- to 25-mile commutes, nearly $46, but with Allstate, it amounted to almost $700.

Best Car Insurance for Coverage Level Rates

The amount of insurance you buy, whether it’s just the state-required minimum liability or full coverage, affects how much you pay. If you can afford it, generally, you want coverage that will give you and your loved ones the most protection in case of an accident.

Below, we’ll go over the average costs for low, medium, and high coverage levels in Hialeah.

GroupLowMediumHighAverage
Allstate$9,052.88$12,063.76$13,396.35$11,504.33
Geico$3,877.07$4,749.53$5,183.71$4,603.44
Liberty Mutual$7,508.59$8,355.33$8,597.86$8,153.93
Nationwide$5,501.36$7,097.95$7,933.29$6,844.20
Progressive$7,434.98$8,801.02$9,654.31$8,630.10
State Farm$5,605.50$6,379.54$6,820.35$6,268.46
USAA$3,642.68$4,408.32$4,694.13$4,248.38

With USAA and Liberty Mutual, from the lowest to the highest coverage, there was a difference of $1,000, which was less than other insurers.

Best Car Insurance for Credit History Rates

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit 21st century Allied Allstate Amica Liberty Mutual 50 100 150 200 250 300 350 400 450 500 $353 $535 $122 $216 $106 $219 $149 $459 $130 $274

 
Your credit score also influences car insurance rates. Often, drivers with poor credit pay more than those with good credit. Let’s see how credit history affects prices in Hialeah.

GroupGoodFairPoorAverage
Allstate$7,939.03$10,067.32$16,506.63$11,504.33
Geico$3,003.59$4,042.83$6,763.89$4,603.44
Liberty Mutual$6,196.66$7,696.14$10,568.99$8,153.93
Nationwide$5,589.05$6,244.76$8,698.79$6,844.20
Progressive$6,567.13$7,989.06$11,334.12$8,630.10
State Farm$4,535.45$5,592.66$8,677.28$6,268.46
USAA$2,424.83$3,357.97$6,962.32$4,248.37

Nationwide had the lowest prices from poor to good credit, at just over $3,100, and with Allstate, the difference amounted to almost $9,000. This shows that credit score is a major driver of car insurance rates.

Best Car Insurance for Driving Record Rates

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident 21st century Allied Allstate Amica Liberty Mutual 100 200 300 400 500 600 700 800 $525 $582 $871 $782 $209 $196 $332 $212 $133 $139 $158 $186 $233 $255 $326 $326 $226 $199 $329 $495

 
A speeding ticket doesn’t just wind up on your driving record, it can also increase your car insurance rates. Below are car insurance prices for common driving penalties in Hialeah:

GroupClean RecordWith One Speeding ViolationWith One AccidentWith One DUIAverage
Allstate$10,003.20$10,983.12$12,088.01$12,942.99$11,678.07
Geico$3,166.51$5,020.01$4,083.86$6,143.36$4,464.58
Liberty Mutual$5,907.64$8,030.71$7,648.57$11,028.80$8,195.00
Nationwide$5,827.49$6,478.71$6,417.82$8,652.78$6,966.03
Progressive$6,778.48$9,152.40$10,085.83$8,503.70$8,456.00
State Farm$5,706.57$6,268.44$6,830.40$6,268.44$6,268.47
USAA$3,349.51$3,505.95$4,108.22$6,029.82$4,495.85

With USAA and State Farm, your car insurance costs for a speeding ticket can increase by over $150 and $500, respectively.

What are some car insurance factors in Hialeah?

We’ve covered some of the major factors insurers use to arrive at a car insurance quote.

Now, we’ll explore more aspects of auto insurance pricing you may not be aware of, such as local economic conditions, your wages, and your job. We’ll also go over how much of your earnings, on average, may pay for car insurance.

Hialeah Metro Report

Hialeah ranked 14th on SmartAsset’s 2019 list of the 20 Worst U.S. Cities for Financial Stability.

To reach its conclusions, SmartAsset analyzed data for 90 U.S. cities to determine which ones are the most “financially stressed.” They looked at such measures as unemployment rates, housing costs, and average debt. They gave each city a score between zero and 100 based on a combination of eight metrics.

With an unemployment rate of 3.4 percent and 22.5 percent of residents who live below the poverty line, Hialeah received a score of 61.58.

According to Sperling’s Best Places, the unemployment rate in Hialeah is lower than the national average of 3.7 percent. Though its job growth was only 0.8 percent (half the U.S. average of 1.6 percent), it has a projected future increase of 35.7 percent, which exceeds expectations of 33.5 percent nationwide.

The Brookings Institution’s Metro Monitor shows that the nearby Miami-Fort Lauderdale-West Palm Beach area ranks 21st out of 100 cities nationwide for economic growth and 67th out of 100 for prosperity.

Job growth there was slightly higher than the U.S. and Hialeah averages, at 1.7 percent in 2017.

Median Household Income in Hialeah

According to DataUSA, Hialeah households in 2017 had a median annual income of $31,012, which was almost half the U.S. average annual income of $60,336. It was also below the statewide average of $55,462.

Despite the low-income level, yearly earnings in Hialeah grew four percent from 2016.

How much of these earnings pay for car insurance? Based on the average annual car insurance premium cost of $5,417.90 in Hialeah, 17 percent of drivers’ wages go to insuring their vehicles.
To see how much you pay, try our free calculator below.

CalculatorPro

Homeownership in Hialeah

Homeownership shows that a driver may be more reliable and able to pay car insurance premiums. If you own a home, you could pay less for car insurance than if you rent. To save more, homeowners can also bundle their car and home insurance.

DataUSA figures show that in 2017, 45.5 percent of the housing units in Hialeah were owner-occupied, which was a slight decline from 45.7 percent in 2016.

In 2017, the median property value in Hialeah grew to $174,300 from the previous year’s value of $163,600.

Education in Hialeah

DataUSA numbers show that in 2016, universities in Hialeah awarded 2,184 degrees.

The largest universities in Hialeah by the number of degrees awarded are Florida National University-Main Campus (557 and 26 percent), Beauty Schools of America-Hialeah (348 and 16 percent), and La Belle Beauty School (278 and 13 percent).

The most popular majors in Hialeah are general cosmetology (235 and 11 percent), dental assisting (225 and 10 percent), and HVAC and refrigeration engineering technology (196 and 9 percent).

Community colleges, which offer degrees and certificates in a broad range of fields, are also a lower-cost alternative to traditional schools. CBT College, a community college with a focus on trade careers, offers degrees and certificates in HVAC, A/C and refrigeration, and many other popular occupations and majors in Hialeah.

Wage by Race and Ethnicity in Common Jobs in Hialeah

DataUSA reports that in 2017, Asians were the highest paid race/ethnicity among Florida workers. Asians were paid 1.08 times more than Alaska Native employees, who made the second-highest salary of any race/ethnicity.

Let’s see how much the races and ethnicities in Florida earn in middle management positions and the amount of their incomes that pay for auto insurance, based on the average annual cost of full coverage in Hialeah, $5,417.90.

Miscellaneous Managers' Race/EthnicityAverage Full-Time SalaryPercentage of Income Going to Car Insurance
Asian$90,1996.01%
White$85,5356.33%
Native Hawaiian and Other Pacific Islanders$69,3977.81%
Two or More Races$68,4097.92%
Black$65,7618.24%
Native American$64,9928.34%
Other$52,02710.41%

As the highest-paid managers, 6 percent of Asians’ incomes went to car insurance. Generally, the more a worker earns, the less their earnings pay for car insurance. The cost of the premium listed is an average and might not reflect your experience.

Wage by Gender for Common Jobs in Hialeah

On average, as DataUSA has found males in Hialeah earn 1.34 percent more than females. Here’s how much they earn, together with the percentage of their salaries that go to car insurance, based on the average annual cost of premiums in Hialeah ($5,417.90):

OccupationAverage Wage – MalePercentage
of Income
Going to Car Insurance
Average Wage – FemalePercentage
of Income
Going to Car Insurance
Miscellaneous managers$94,9355.71%$69,1147.84%
Retail sales$47,16811.49%$31,87117.00%
Elementary and middle school teachers$47,06411.51%$43,72712.39%
Customer service representatives$37,90714.29%$31,86617.00%
Cashiers$28,97218.70%$22,41624.17%

Despite the large pay gap between the sexes, women often pay less for car insurance than men because data shows they tend to get into fewer accidents.

Poverty by Age and Gender in Hialeah

DataUSA has found that the largest demographic living in poverty in Hialeah are females age 35–44, followed by females 65–74, and those 75 and older. Twenty-six percent of Hialeah residents live below the poverty line, which is double the national average of 13 percent.

The Census Bureau uses a set of income thresholds that vary by family size and composition to determine poverty rates. If a family’s total earnings fall below their limits, the Census Bureau classifies that family and every family member as living in poverty.

Poverty by Race and Ethnicity in Hialeah

Besides wage levels, race and ethnicity also affect poverty rates. Per DataUSA figures, the poorest race or ethnicity in Hialeah is Hispanics (59,326 people), followed by whites (58,063 people), and blacks (1,662 people).

Employment by Occupations in Hialeah

DataUSA statistics show that from 2016 to 2017, employment in Hialeah grew at a rate of 2 percent, from 104,000 to 106,000 employees.

The most common job groups by the number of people living in Hialeah are office and administrative support occupations (17,130 people), sales and related occupations (11,523 people), and construction and extraction occupations (9,422 people).

Driving in Hialeah

Every time you get behind the wheel, you never know what to expect. Around the corner, congested traffic may await. Perhaps you’ll roll over cracked pavement or face delays from an accident further down the road. These challenges can make for a bad day on the highway.

In this section, we’ll go over some of the pleasures and pains of life on the road in Hialeah.

Let’s get ready to learn more.

What are the major roads in Hialeah?

If you’re not familiar with the local territory, below, we’ll cover the city’s highways.

Major Highways

Twelve active interstates criss-cross Florida cities, making up 1,497 miles of roadway. Two of these routes, I-195 and I-95, run through Hialeah’s home county of Miami-Dade.

Below are the major highways near Hialeah:

Hialeah, Florida major highways

Interstate 95 starts near Hialeah; as the main Interstate Highway on the U.S. East Coast, it runs parallel to the Atlantic Ocean coastline from Miami to Maine.

Interstate 195 is a 4.4-mile-long spur freeway that connects I-95 in the west with Miami Beach in the east.

Spanning over 700 miles, Florida is said to have the most toll roads in the U.S. Fortunately, the Sunshine State has installed cashless toll booths to save time. Florida’s SunPass system uses prepaid toll devices.

The SunPass device costs an average of $20. There is usually a minimum prepaid fee to open an account, and then users can choose the payment amount to place on their devices. Despite the high number of tolls, SunPass carriers pay the lowest rates on Florida’s highways.

The video below shows the route from Miami to the City of Fort Lauderdale along I-95 North:

Now that we’ve covered the major roads in and around the city, you probably want to know about the sites you can visit while you travel along them, which we’ll go through below.

Popular Road Trips/Sites

Hialeah offers plenty to see and do for everyone, from lighthouses to weekend getaways and the wonders of nature.

  • Nature Trip – If you love the outdoors or want a break from city life, check out these scenic destinations.
  • Hidden Local Attractions – Everything from the Gallery of Amazing Things to beautiful conservation parks awaits.
  • Lighthouse Trip – Florida’s seashores feature several lighthouses.
  • Mysterious, Haunted Trip – Perfect for any time of year — not just Halloween — these sites offer plenty of thrills and chills.
  • 190 Free and Cheap Things to Do – Ideas for attractions, activities, and entertainment in or near the City of Progress.

Want more? The travel video below features additional suggestions:

When you take a car trip, you may be concerned about road conditions throughout your journey. Below, we’ll detail the conditions you may expect on your travels in the area.

Road Conditions

Below are pavement conditions and vehicle operating costs in Miami from the national transportation research group TRIP:

Road ConditionPercentage
Poor Share8%
Mediocre Share48%
Fair Share4%
Good Share40%
Vehicle Operating Costs (VOC)$427

Most roads in the area are in mediocre condition, followed by good condition. It helps to be aware of road safety conditions. Vehicle Operating Costs (VOC) can include repairs from driving over potholes or road debris along the highway.

Does Hialeah use speeding or red-light cameras?

According to the Insurance Institute for Highway Safety (IIHS), Hialeah doesn’t use speeding or red-light cameras.

The news report below details state laws that allow Florida cities to install red-light cameras.

Red-light violations are among the driving infractions that can cause your car insurance rates to soar. To avoid them, approach lighted intersections with caution.

What type of vehicles are in Hialeah?

Vehicles of all makes and models fill the streets of the City of Progress. Next, you’ll discover which types are the most popular in the area.

Most Popular Vehicles Owned

YourMechanic tracks the types of cars it services nationwide and breaks down the information by each major city to show Americans’ car preferences.

According to their survey, 39 percent of the cars they repair in Miami are American-made and drivers’ favorite car there is the Lexus ES350.

Consumer Reports ranks the 2020 model third out of 21 luxury midsize cars. The vehicle gets 25 miles per gallon of gas and receives good ratings from the IIHS for crash and rollover tests. The National Highway Traffic Safety Administration (NHTSA) gives it mostly four- and five-star reviews.

Overall, Consumer Reports awarded it a score of 87 out of 100, which reveals a vehicle’s performance in their road tests, predicted reliability, and owner satisfaction from their annual auto surveys. It also reflects the availability of front-crash prevention systems and IIHS and NHTSA crash-test results.

The publication found the ES “a rewarding choice for a road trip thanks to its absorbent ride and indulgent interior…Shoppers who are drawn to the ES because of its reputation as a cushy cruiser won’t be disappointed.

The cabin remains hushed, and the suspension steadily smooths out rough roads. At the same time, the car handles better than its predecessor, with responsive steering and restrained body lean. That said, it’s still not in the sports sedan league of, say, the BMW 3 Series or Infiniti Q50.”

The video below highlights the car’s features:

With the popularity of cars, certain households own more vehicles than others. Let’s see how Hialeah car ownership rates compared to the nationwide averages.

How Many Cars per Household

According to DataUSA, most households in Hialeah own an average of two cars (40 percent), followed by three vehicles (23 percent). These statistics nearly match the national averages.

Households Without a Car

The table below reveals how many Hialeah households on average own and don’t own cars.

YearHouseholds Without VehiclesVehicles per Household
201512.60%1.53
201612.20%1.58

From 2015 to 2016, the number of households without cars decreased, while the number of vehicles owned increased slightly.

Speed Traps in Hialeah

Speedtrap.org keeps track of speed traps all across the U.S., as ranked by its users. Among the Hialeah highways, visitors have debated which are truly speed traps, West 8th Avenue near 37th Street received the most votes.

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Vehicle Theft in Hialeah

The Federal Bureau of Investigation (FBI) reports that in 2017, 685 vehicle thefts occurred in Hialeah.

Neighborhood Scout also tracks crime statistics for U.S. cities. The safest districts in Hialeah include the neighborhood of Northwest 87th Avenue and West 74th Street.

Based on 2018 data, the site gives the city a Crime Index of 21, which means it’s 21 percent safer than other U.S. cities

In Hialeah, your chances of being a victim of a violent crime are one in 438. Statewide, however, they increase to one in 260. For property crimes, your chances are one in 44 in the city and in Florida.

Statistically speaking, 2.28 violent crimes occurred per 1,000 residents in Hialeah compared to 3.85 statewide; the national average is four. Per square mile, 261 crimes took place in Hialeah, and 55 in Florida. The national average is 31 crimes per square mile.

For a closer look at crime rates in Hialeah, below is a chart showing figures from 2017:

Hialeah Annual Crimes 2017ViolentPropertyTotal
Number of Crimes4845,3495,833
Crime Rate (per 1,000 Residents)2.0222.3224.34

Fewer than 10 percent of the overall crimes in Hialeah were violent crimes. You’re more likely to be a victim of a property crime there.

The news report below shows the recent arrest of a man who stole a truck and went on a high-speed chase in Hialeah:

Vehicle theft is one threat to your safety in the City of Progress. Traffic levels are another one, and we’ll explore them further below.

How is traffic in Hialeah?

Depending on the time of day, you may face some traffic jams in and around Hialeah. Let’s see just how congested the roadways are in the area and statewide.

Traffic Congestion in Hialeah

In 2018, Inrix’s Traffic Scorecard ranked the major cities in Florida according to their levels of traffic congestion. The City of Miami ranked the highest nationwide, at 12th, and was the 73rd most congested city in the world.

Here’s how each city compared for congestion levels:

CityHours Spent in TrafficPeak (Time in Traffic)Daytime (Time in Traffic)Overall (Time in Traffic)
Clearwater219%5%6%
Jacksonville219%4%6%
Miami6413%7%9%
Orlando3411%6%7%
Tampa2813%5%7%

Given Miami’s higher congestion levels, it’s no surprise that drivers there spent the most time in traffic.

Despite fewer hours in traffic among the rest of the cities, the percentages of time in traffic were consistent across the board. If you happen to travel to any of these Florida cities, bear in mind the potential travel delays.

The ad below reminds drivers in Miami Beach to keep moving to alleviate congestion as part of the local police department’s “zero-tolerance policy” for stopped vehicles:

We’ve seen how bad traffic congestion can become in the area and across the state. Next, let’s take a closer look at the causes.

Transportation

DataUSA research reveals that in 2017, most commuters in Hialeah drove alone (78 percent), followed by those who carpooled (9 percent).

Census and ridership data show that Miami has the highest public transportation usage of any city in Florida. About 17 percent of Miamians take public transportation regularly, compared to about 4 percent of South Florida commuters.

Busiest Highways

According to the Florida Department of Transportation, the most congested highways near Hialeah are interstates 95 and 195. So, if you’re in the area, remember to steer clear of congestion at busy times of the day, and if possible, consider other routes in your travel plans.

How safe are Hialeah streets and roads?

In this section, you’ll find out how many fatal accidents happened in Miami-Dade County in 2017 courtesy of the National Highway Traffic Safety Administration (NHTSA). We’ll cover everything from total fatalities by county to vehicle and railroad accidents.

Below were the total crash deaths in 2018:

CountyTotal Fatal Crashes 2018
Miami-Dade293

Quite a few crash deaths occurred in Miami-Dade County — nearly 300 — in just one year alone.

Next, we’ll look at the fatal crashes that involved drunk driving.

CountyFatal Crashes Involving an Alcohol-Impaired Driver (Bac = .08+) 2018
Miami-Dade65

Almost a quarter of the overall crash fatalities happened as a result of alcohol consumption and poor judgment.

Several different types of fatal crashes occurred in Miami-Dade County, as you’ll see below.

Crash Type2018
Single Vehicle174
Involving an Intersection (or Intersection Related)131
Involving a Roadway Departure81
Involving Speeding20

Most of the crashes involved single vehicles, followed by intersections.

As you’ll see below, the accidents also involved different types of people.

Person Type Fatalities2018
Pedestrian106
Passenger68
Cyclist19

Most of the people killed were vehicle pedestrians.

Going one step further, these are the number of crash deaths that occurred by road type and function class in Florida:

Florida Road TypeFatal Crashes
Freeway and Expressway84
Rural Interstate97
Urban Interstate156
Local258
Collector Arterial309
Minor Arterial458
Unknown684
Other876
Total Crashes2,922

Most of the crashes occurred on other, unknown, and arterial roads. An arterial road is a high-capacity urban road. Depending on the amount of traffic, the arterial road may be classified as a highway or a minor arterial road. A collector road gathers traffic from local roads and takes drivers to arterial roads.

Per the U.S. Department of Transportation (DOT) data, the table below shows the number of railroad and highway crash incidents that happened in Miami-Dade County from 2012 to 2016:

Highway User SpeedCalendar YearHighwayHighway User TypeNon-Suicide FatalityNon-Suicide Injury
N/A2014NW 79th Street
Pedestrian10
252015NW 54th StreetAutomobile01
52015NW 62nd StreetPick-up truck00
62015NW North River DriveAutomobile01
02016NW North River DriveAutomobile00
02016NW North River DriveAutomobile01
152016NW North River DrivePick-up truck01

In those five years, fortunately, few rail/car incidents occurred; most of them involved vehicles.

These statistics highlight the importance of driving safely and how risky behavior can eventually lead to penalties that increase insurance rates, or even worse, deaths.

Allstate America’s Best Drivers Report

Allstate America’s Best Drivers Report tracks the numbers of accident claims drivers make nationwide. According to Allstate claims data, the average driver in the U.S will experience a collision once every 10.57 years.

In 2019, Hialeah ranked 125th out of 200 major cities on the report, up from 138th the prior year. The chart below shows the residents’ insurance claim statistics.

Allstate America’s Best Drivers Report – Hialeah, FloridaDetails
Average Years Between Collisions8.39
2018 Best Drivers Report Ranking138
Change in Ranking From 2018 to 201913
Relative Claim Likelihood (Compared to National Average)0.26
Drivewise® HardBraking Events per 1,000 Miles30.32

Drivers in Hialeah went an average of eight years between accident claims, and they were 26 percent more likely to file a claim compared to the national average.

Ridesharing

Below are the ridesharing services available in Hialeah beyond regular taxi rides.

To show you how much they cost, we’ve included fare prices for a one-way trip from Opa Locka Airport to ZIP code 33014 in Hialeah, a 3.9-mile ride that takes an average of 11 minutes:

  • Blacklane – Blacklane luxury vehicles seat one to five people. Prices not available; the service does advance booking at fixed rates only.
  • Lyft – This lowest cost Lyft service will grant you a request for a regular four-seat car. $9
  • Lyft Line – Lyft Line matches you with other riders headed your way. You not only share your ride, but you also share the cost, giving you the convenience of a traditional Lyft at a cheaper price. $9
  • Lyft Lux – A premium black car service limited to only the most luxurious makes and models. $19
  • Lyft Plus – This is the best Lyft option for larger groups. A Lyft Plus car can seat six or more passengers. Fare prices tend to run higher than a regular Lyft ride to compensate van and SUV drivers for their higher vehicle running costs. $16
  • Lyft Lux SUV – A premium black SUV service with space for up to six passengers. $36
  • Lyft Premier – Lyft’s luxury service. A request for a Lyft Premier will grant you a high-end four-seat car. $16
  • Uber Lux XL – Uber’s ultimate luxury SUV service only accepts the top models from a few brands. $36
  • Uber Pool – UberPool matches you with other riders headed your way. You not only share your ride, but you also share the cost, giving you the convenience of an Uber X at a lower price. Uber charges a $1 fee to bring a second passenger in your Pool ride. $9
  • Uber X – This budget service gives riders a regular-size car that seats four. $9
  • Uber XL – Uber’s service for larger groups will seat up to six passengers. $16

Lyft and Uber X are among the services with the lowest fares ($9). But, you’ll pay four times more to ride in style with Lyft Lux SUV or Uber Lux XL ($36).

Rideshare services can be especially helpful if you decide not to use your car, or if your vehicle happens to need repair. If it does, below are some local shops that may provide quality service.

E-star Repair Shops

A program from Esurance, E-star helps drivers find the best repair shops in their areas. According to E-star, these are the top 10 repair shops in and around Hialeah:

ShopAddressContact Info
Briceno Auto Body Shop
1394 NW 65 Way
Plantation, FL 33313
email: bricenoautobody@aol.com
P: (954) 894-7776
Buckeye Body Shop18790 SW 105th Place
Miami, FL 33157
email: buckeyebodyshop1@aol.com
P: (305) 238-9373
F: (305) 238-1583
CARSTAR Ace Sullins Paint and Body
6025 SW 35th Court
Miramar, FL 33023
email: acesullinspaint@bellsouth.net
P: (954) 983-0209
F: (954) 964-2237
Charlies Body Shop7006 SW 13th Street
Miami, FL 33144
email: javier@charliespbs.com
P: (305) 266-7880
F: (305) 264-9952
Collision Zone12972 S.W. 87 Avenue
Miami, FL 22176
email: estimates@collisionzonemiami.com
P: (305) 253-2353
F: (305) 378-2414
Diamancar Inc.
3655 N.W. 48th Street
Miami, FL 33142
email: info@diamancar.com
P: (305) 633-3304
F: (305) 633-3320
Diamond Automotive, Inc.
2404 SW 58th Avenue
West Park, FL 33023
email: diamauto@bellsouth.net
P: (954) 963-4004
F: (954) 963-9244
Lexus of North Miami14100 Biscayne Boulevard
Miami, FL 33181
email: esurancelnm@czag.net
P: (786) 528-3926
Pro Collision Center LLC275 West 75th Place
Hialeah, FL 33014
email: tony@procollisionllc.com
P: (305) 364-3676
F: (305) 364-3685
Rick Case Collision Center15700 Rick Case Honda Way
Davie, FL 33331
email: scottkendig@rickcase.com
P: (954) 364-3269
F: (954) 364-3191

Only one repair shop is in Hialeah, but the rest are within 20 miles of the city.

What is the weather like in Hialeah?

U.S. Climate Data reveals that temperatures in Hialeah are warm throughout the year, with average highs of 82 and lows of 70 degrees. The area gets a lot of rain — an average of five inches per month.

Hialeah, Florida, WeatherDetails
Annual High Temperature82.4°
Annual Low Temperature69.5°
Average Temperature75.95°
Average Annual Precipitation (Rainfall)70.44 inches

City-Data shows that Miami-Dade County averages eight natural disasters yearly, which is lower than the U.S. average of 13. Every year, an average of three natural disasters lead to emergency declarations, and three are presidential declarations.

Below is a breakdown of the causes of disasters. Note: some incidents may be assigned to more than one category.

  • Hurricane – six
  • Tropical Storms – two
  • Tornados – one

Miami-Dade County experiences several dangerous storms, including hurricanes, annually. They can cause heavy rains and flooding.

Given the risks involved, it makes sense to buy comprehensive car insurance for protection from floods, storms, and other hazards that can damage your vehicle.

Is public transit available in Hialeah?

Public transportation is a convenient option for people who don’t own vehicles or who have cars that won’t run.

Hialeah residents can take the Metrorail or Metrobus. The base fare for both forms of transportation is $2.25, and monthly passes cost $112.50. You can also buy transfers and more. Discounts are also available, so check out all of the fares in Miami-Dade County.

Is alternate transportation available in Hialeah?

Major bike and scooter rental companies, such as Lime and Bird, don’t currently operate in Hialeah, but you’ll find them in other Miami-Dade County cities.

Download the companies’ apps to compare prices and explore how “pedal power” can take you for a ride and open you up to sights you haven’t seen before.

Is parking easy in Hialeah?

Hialeah offers plenty of parking options, whether you want to use metered parking on the street or a parking garage.

Parking is available at the City of Hialeah City Hall garage free of charge on a first-come, first-serve basis. Once the garage is full, you can find street-level parking.

If you drive an electric vehicle, Hialeah also has 147 electric charging stations available for your convenience.

How is the air quality in Hialeah?

Pollution from vehicle exhaust has been linked to health issues and even climate change. The pollution not only goes directly into the earth’s atmosphere, but it also reacts with other pollutants, which make the situation worse.

Children and people with chronic illnesses can be most sensitive to the effects.

Below are the Environmental Protection Agency (EPA) air quality statistics for Miami-Dade County from 2016 to 2018.

The EPA calculates the Air Quality Index (AQI) for four major air pollutants under the Clean Air Act: ground-level ozone, particle pollution, carbon monoxide, and sulfur dioxide. For each of these pollutants, the EPA has established national air quality standards to protect public health.

Miami-Dade County Air Quality Index201620172018
Days with AQI360354365
Good Days260284294
Days Moderate976667
Days Unhealthy for Sensitive Groups344
Days Unhealthy000
Days Very Unhealthy000

During the three years measured, there were more “good” and fewer “moderate” days, yet the number of “days unhealthy for sensitive groups” stayed about the same.

There are currently no vehicle emissions test requirements to register a vehicle in the State of Florida. The state governor at the time, Jeb Bush, did away with state emissions testing due to the high cost of the program — $50 million annually — and because Florida met all federal clean-air standards.

Military/Veterans

With car insurance costs increasing every year, like everyone else, some veterans and active military may find premiums too pricey for their budgets.

Fortunately, many companies offer military discounts to honor past and present members of the military for their service. Read on to find out more about these savings, together with exciting information about Hialeah veterans and nearby military bases.

Veterans by Service Period

DataUSA statistics reveal that Hialeah has a large population of military personnel who served in the most recent Gulf War, followed by Vietnam Veterans. Gulf War veterans represented Hialeah 1.32 times more than any other conflict, which is double the national average.

Military Bases Within an Hour

Founded in 1903, the United States Southern Command now manages all U.S. military activities from Latin America to the Caribbean and the Gulf of Mexico. They specialize in protecting the U.S from drug smuggling and threats to its homeland security.

Military Discount by Providers

If you are or were in the U.S. military, most car insurance companies will want to give back by serving you. Many of them offer military discounts.

Below is a list of known providers who give military discounts. We excluded those who offer military discounts only to certain states.

CompanyPercentage Saved With Discount
FarmersN/A
Geico15%
Liberty Mutual (must be active duty)4%
MetLife15%
USAA*N/A

*USAA offers a 15 percent military garage discount for storing cars on a military base.

USAA Available in Florida

USAA provides car insurance to U.S. military personnel and their families only. The company’s insurance premiums tend to cost less than those of standard insurers.

Below, you will see how USAA’s and other insurers’ rates compare to the average annual cost of full coverage premiums in Florida.

GroupAnnual PremiumCompared to State Average (+/-)Compared to State Average (%)
Allstate$7,440.46$2,760.0037.09%
Geico$3,783.63-$896.83-23.70%
Liberty Mutual$5,368.15$687.6912.81%
Nationwide$4,339.60-$340.86-7.85%
Progressive$5,583.30$902.8416.17%
State Farm$3,397.67-$1,282.79-37.75%
USAA$2,850.41-$1,830.05-64.20%

Compared to standard insurers, USAA has the lowest rates. They’re also 60 percent below the state average.

Unique City Laws

Every city has its own laws, and Hialeah is no exception. Sometimes, with all of the laws enacted regularly, it can be hard to obey the latest rules.

This section is here to help you abide by some of the laws unique to the City of Progress, which include food trucks and parking regulations.

Find out what you need to do to remain a law-abiding citizen.

Hands-Free Laws

In Florida, it’s illegal to text while driving. Drivers may use hands-free devices. As of October 2019, it’s against the law to hold your cellphone if you drive in a school or work zone.

The news report below goes into more detail about the new law.

When you obey these and other traffic laws, you help keep yourself and others safe.

Food Trucks

For food truck vendors, Miami-Dade County has specific laws:

  • They must carry a Certificate of Use
  • They must operate their food trucks in proper zoning areas
  • They must follow the listed hours of operation:
    • 7 a.m. to 10 p.m. weekdays
    • 7 a.m. to 11 p.m. weekends
  • They can’t sell alcohol

Among the other regulations, food truck owners must also follow laws about parking, music use, and more. Fees for a Miami-Dade County Department of Public Health inspection, permitting, and certification is $25.00.

Tiny Homes

Small houses appeal to people who want to simplify their lives. Before you abandon standard housing, you should be aware that tiny homes have specific regulations.

A tiny house is usually considered a mobile home and must comply with the same laws. If you are on a plot of land, you will need access to a septic tank, water, and other utilities before you can be approved to live on the property legally.

In Miami-Dade County, you can’t park mobile homes outside of approved mobile home parks. There are a few exceptions to this law, but owners of tiny homes must meet specific requirements.

Parking Laws

In Hialeah, when you engage in parallel parking, except where expressly designated, every vehicle must be parked in the direction of traffic. Otherwise, you may get a ticket.

Hialeah Car Insurance FAQs

Though we’ve gone into a lot of detail about car insurance in Hialeah, local laws, and life in the city, we realize you may have some lingering questions.

Here we seek to answer some of the most frequently asked questions about the City of Progress and auto insurance available there.

Read on for even more insights.

How big is Hialeah?

Based on the satellite imaging in the Google Earth platform, Hialeah is 22.82 square miles.

Why is Hialeah called “Hialeah”?

The name “Hialeah” is considered to have come from the Muskogee Indian words “haiyakpo” and “hili.” They combine to form “hialeah,” which means “pretty prairie.” The name is also thought to have derived from the Seminole Indian term “hialeah.” It translates into the phrase “upland prairie.”

How far is Hialeah from the beach?

Distance Between Cities states that if you travel southeast, Hialeah and Miami Beach are 10.31 miles apart. By car along I-195 East, they’re 14 miles (22.53 kilometers) away. If you drive non-stop, Hialeah and Miami Beach are 22 minutes apart.

Which car insurance companies operate in Hialeah?

The Florida Office of Insurance Regulation offers a searchable directory of the companies that operate in the state. You can find lists of the top insurers available in Hialeah among our data charts at the beginning of this article.

What car insurance do I need in Florida?

As a “no-fault” state, after a car accident, your insurance will pay medical expenses and monetary losses for you and everyone covered under your policy, regardless of who caused the collision.

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PIP includes rehabilitation, loss of earnings, and funeral expenses. PDL covers accident-related property damage, such as a dented fender.

Why are car insurance rates so high in Florida?

As a “no-fault” car insurance state, everyone involved in an accident must file a claim with their insurance company to pay for damages. The state-required minimum $10,000 personal injury protection (PIP) coverage pays for only 80 percent of medical bills and 60 percent of potential lost wages or income.

Because of the low minimum required coverage, many drivers need higher coverage levels and end up paying more for them.

Damage from storms and hurricanes is another major risk factor insurers consider when they determine prices in Florida; they make up for losses through setting higher insurance rates.

What do you think? Did we answer all of your questions? If you’re ready to start comparing rates, enter your ZIP code in our free tool today.

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