Cheap Car Insurance in Hialeah, FL

Seeking cheap auto insurance in Hialeah, FL? At, we can help you find it. What you need to do is input your local zip code in the quote box down below – it’s that simple!

The name for this city comes from a blend of Muskogee and Seminole words which mean “pretty upland prairie”. Indeed, the geography of Hialeah is that of a flat grassland located between the Florida Everglades and Biscayne Bay. This city also has one of the largest Cuban-American populations in the entire country.

  • Fun fact: Get ready to shake, rattle, and roll…because Hialeah is #6 on the list of “Top 101 cities with the greatest earthquake activity (pop 50,000+)”. Read up on Hialeah by clicking here.

Auto Insurance Coverage Requirements in Florida

Driving legally in Hialeah requires:

CoverageRequirementsMost Common
Bodily Injury LiabilityNot required100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily InjuryNot required10,000/20,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

When thinking about what coverage to purchase, remember that state mandatory minimums are just suited to older, affordable automobiles which happen to be already paid off. In case your vehicle does not fit that description, you might like to purchase a more extensive policy to protect your vehicle from uninsured drivers, theft, or even flood damage.

Florida motorists, typically, are having to pay $153 or even more monthly simply to maintain their automotive insurance plan. Hialeah citizens, however, could possibly get some good deals at this time. How would you like a 47%* or higher discount on your policy? Keep studying this page for more information.

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


It’s sometimes difficult to find cheap deals in Hialeah, but your lowest prices right now are coming from either Allstate or allied. However, beware those bargain prices – sometimes companies with poor customer service or financial standings use them to lure in business. But if you want to learn how to avoid them, just keep reading and discover new ways to save money on Florida auto insurance!

Companies which provide insurance coverage consider many factors when establishing insurance quotes, which includes gender, geography, your credit score, education, and theft protection devices. Additionally, premiums differ from company to company. To make sure that you’re still paying the most affordable premium, examine cheap Hialeah vehicle insurance price quotes online.

Major Car Insurance Factors in Hialeah

You may feel slightly helpless once your vehicle insurance agency is evaluating your insurance quote; after all, a lot of the things that they calculate aren’t items you can easily alter or control. Luckily, however, there are a few things that you might be able to alter for increased discounts, including:

Your Zip Code

The place you store your automobile each night will have a serious impact on your automobile insurance rate. Generally, automobile insurance is cheaper in rural regions because a lower number of automobiles means a smaller possibility that you will get in a accident with another car. The population of Hialeah is 233,394 plus the usual household earnings are $27,371.

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


Automotive Accidents

You’re going to want to be extra careful driving around in a town with lots of accidents each year – the more fatal and serious accidents there are in your area, the more likely your insurance company is to raise rates. But safe drivers can qualify for certain discounts.

Fatal Accidents in Hialeah, FL Legend: Hialeah Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 10 18 1 10 23 6


Auto Thefts in Hialeah

Living in a big metropolis (chiefly any which has a substantial crime rate) increases your likelihood of becoming a victim for auto thieves. In cases where your general area has substantial rates of claims for theft, you are likely to pay more for your vehicle insurance in order to attempt to counter these prices. The actual complete number of stolen automobiles in 2013 dropped to 708 for Hialeah. This is remarkably low, considering the high rates of crime in the area. But that doesn’t mean you should cut corners in order to save money by giving up on your Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage 21st century Allied Allstate Amica Liberty Mutual 50 100 150 200 250 300 350 400 450 500 $525 $410 $209 $190 $133 $224 $233 $188 $226 $241


Your Credit Score

You ought to be worried about your credit rating for several reasons, including vehicle insurance. There are lots of providers available, including Amica and Liberty Mutual, who significantly raise payments for motorists with a bad credit score.

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 Age

One factor which isn’t wasted around the youth are automotive insurance costs. They have a tendency to operate high, and it’s not easy to locate an inexpensive payment per month. But receiving targeted grades and taking motorists education courses can help.

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


Your Driving Record

Nobody is ideal that adage especially is applicable for your driving history. If your minute rates are irritatingly high as a result of speeding ticket or perhaps a minor accident, there’s hope. Ask your provider when they offer any “Accident Forgiveness” discount 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


Your Vehicle

The more recent and much more costly your automobile is, the greater coverage you can purchase to be able to safeguard it. Granted, in many areas it is not necessary legally to insure an extravagance vehicle by having an costly “Cadillac” insurance plan. However, if you buy inadequate coverage, and also the worst happens, you’ll be held financially responsible.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder 21st century Allied Allstate Amica Liberty Mutual 50 100 150 200 250 300 350 400 450 500 $525 $422 $159 $197 $133 $200 $233 $337 $226 $347


Minor Car Insurance Factors in Hialeah

Be sure to try to control these factors too, for advanced savings:

Your Marital Status

Are you and your partner bundled towards the same auto policy? Otherwise, then you need to certainly consider altering that status. Bundling together multiple insurance plans underneath the same company you can get some significant discount rates.

Your Gender

Insurance providers can’t appear to create up their mind with regards to gender-based premiums. Many providers nowadays don’t even bother charging different prices whatsoever between genders. Of individuals who still do, should you ask five different companies which gender should pay more, you will probably get 6 different solutions.

Your Driving Distance to Work

Despite Hialeah’s densely populated area, residents still have an average work commute of anywhere from 30-35 minutes each way. More than 76% of locals will make this trip in their own vehicle by themselves, while close to 20% may carpool on any given day.

Considering cutting your monthly premium by driving less? Well, you will for sure reduce gas and vehicle maintenance – but less on insurance charges. Even when you slash your yearly mileage through the 1000’s, you are only searching in a modest 4-5% discount.

Your Coverage and Deductibles

If you want extra coverage, but posess zero large enough budget to cover it each month, try raising your deductible. It’s among the simplest and how to make certain you receive the policy you’ll need at most affordable cost.

Education in Hialeah, FL

Most people might not be aware that one of the factors which automobile insurance companies base your premiums on is your level of education. To put it simple: the more education you have, the less you will have to pay. In Hialeah, 50% of residents have not yet completed their high school diploma, while 23% have successfully graduated or earned an equivalent degree.

Those searching for a higher education in Hialeah have a few local options. For potential students who want a public option, the Miami-Dade College has operated a satellite campus in Hialeah since the 1980’s. There are also two private schools, namely the Florida National College and the College of Business and Technology.

Motor vehicle insurance is likely one of the most significant financial investments you can possibly make as a car owner. You have to be sure to obtain a reputable, accountable vendor that will follow through on their promises. Certain automobile insurance agencies tend to be greater at this than the others, and doing a diligent internet based investigation can help you separate the favorable from the inferior.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Florida Office of Insurance Regulation

Florida Department of Financial Services

Department of Highway Safety and Motor Vehicles
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