Buy Cheap Hialeah, FL Auto Insurance

The average annual auto insurance rates in Hialeah, FL are around $7,179 ($354/mo). The cheapest auto insurance company in Hialeah, FL is USAA followed by GEICO, although rates will vary for each person. Hialeah, FL car insurance must meet the state minimum requirements with coverage levels of 10/20/10 for liability and property damage as well as $12,500 in combined personal injury protection. Compare Hialeah, Florida auto insurance rates online to get the best price for you.

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Sara Routhier, Director of Outreach and Managing Editor of Features, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overw...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Apr 19, 2021

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A Concise Overview

  • The average annual auto insurance rates for Hialeah, FL are $7,179 ($354/mo)
  • The cheapest auto insurance company in Hialeah, FL is USAA, and the second cheapest is GEICO
  • Hialeah rates are affected by the traffic that is shared with Hollywood and Miami
  • The average commute time for Hialeah is 27 min

Hialeah, FL auto insurance rates are, on average, about $100 more than Miami and about $800 more than Hollywood.

You can save on Hialeah, Florida auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap auto insurance in Hialeah, FL for every age, credit history, and driving record.

Ready to find affordable auto insurance in Hialeah, FL? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Hialeah, FL?

The cheapest auto insurance company in Hialeah, based on average rates, is USAA followed by GEICO. Keep in mind, however, that USAA is available only to military affiliates.

The top auto insurance companies in Hialeah, FL, ranked from cheapest annual rates to most expensive are:

  • USAA – $4,248
  • GEICO – $4,603
  • State Farm – $6,268
  • Nationwide – $6,844
  • Liberty Mutual – $8,154
  • Progressive – $8,630
  • Allstate – $11,504

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What auto insurance coverage is required in Hialeah, FL?

All Hialeah drivers have to meet the Florida state law minimum requirements to buy auto insurance.

In Florida, you have to carry at least:

  • $10,000 per incident for property damage
  • $10,000 in personal injury protection (PIP)

It’s recommended that most drivers carry more than the state minimum, especially uninsured and underinsured motorists coverage because nearly 25 percent of Florida drivers are uninsured.

What affects auto insurance rates in Hialeah, FL?

Hialeah is the 6th largest city in Florida. Let’s take a look at how Hialeah auto insurance rates compared to cities nearby in Florida.

  • Brownsville, FL — $7,631 (most expensive)
  • Miami, FL — $7,078
  • Hialeah, FL — $7,179
  • Hollywood, FL — $6,244
  • Waldo, FL — $3,481 (cheapest)

INRIX doesn’t rank Hialeah, but it does rank Miami as the 60th-most congested city in the U.S. With traffic coming from Hollywood and Hialeah, expect longer commute times.

City-Data reports the average commute time for Hialeah is 27 minutes, but that can vary based on the time of day.

Car theft also affects rates. The FBI’s most recent annual statistics report Hialeah having 685 car thefts in a city population of 238,260. That’s a rate of 288 cars stolen per 100,000 population.

Hialeah, FL Auto Insurance: The Bottom Line

Hialeah has higher rates than the surrounding cities, but you can still save by shopping around and comparing.

Before you buy auto insurance in Hialeah, FL, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Hialeah, FL auto insurance quotes.

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