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How much is car insurance in Hialeah?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $56 a month more expensive to insure your vehicle in Hialeah than it is in the rest of Florida.
Drivers relocating the Hialeah should take note of the differences in average rates. Coverage in Hialeah is about $99 more expensive than it is for the rest of the U.S.
These may be the average auto insurance rates for Hialeah, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've analyzed the average rate for Hialeah and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Hialeah Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Hialeah drivers may see their rates creep back up a bit once they hit retirement.
Hialeah Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Hialeah, where female drivers pay around $20 more a month.
Hialeah Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Hialeah, a driving record with one accident will usually get you a rate around $185 a month. In addition, drivers with a single ticket on their record can expect to pay around $250 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Hialeah Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$165|
|15 Years or Older||$179|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Hialeah, with drivers paying around $157 per month for auto insurance.
Car owners can expect to pay an average of around $188 a month for their policy, while SUVs usually cost around $163 a month to insure.
Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Hialeah, vehicles six-to-seven years old are the most expensive to insure.
Hialeah Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$189|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Hialeah follows that pattern, with the difference totaling to around $31 a month.
Hialeah Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$225|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $48 a month more than if you own your own home in Hialeah. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Hialeah, FL
Recent trends in car insurance for Hialeah drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Hialeah, the rates for auto insurance had been decreasing from 2017-2019, when they reached a low of $156. This trend leveled out in 2020, when they began to increase, and have continued moving in that direction through the present, where car insurance rates finished at $240 per month.
How does Hialeah compare to neighboring areas?
Why are car insurance rates in Hialeah different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Off-street parking accessibility
- Number of car accidents
- Regional laws
- Total number of drivers
- Crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Hialeah?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Hialeah.
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Hialeah Auto Insurance FAQs
What factors affect car insurance quotes in Hialeah?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Hialeah different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Hialeah?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Hialeah?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Hialeah or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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