Hialeah, FL Car Insurance

Residents of Hialeah pay, on average, about $176 per month for car insurance. Check out our guide below to find out how much you'll pay.
How much can residents of Hialeah expect to pay for their car insurance? How does Hialeah stack up to the rest of the area, or even Florida as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Hialeah?

Area Average Monthly Car Insurance Premium
Hialeah$176
FL$123
United States$81

Car insurance policies in Hialeah are about $53 a month more expensive than the rest of Florida.

Likewise, Hialeah residents should prepare to pay higher rates for coverage than the rest of the country. Coverage in Hialeah is about $95 more expensive than it is for the rest of the U.S.

Although these are the average rates for auto insurance in Hialeah, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

But worry not, we've done the heavy lifting and broken down the average rate for Hialeah to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$228
25-34$164
35-44$195
45-54Not Enough Data
55-64$125
65+$134

The older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates begin to go back up in Hialeah.

Average Car Insurance Rates by Gender

Gender Average
Male$171
Female$186

Despite the national trend of women paying less than men for auto insurance coverage, in Hialeah men actually pay $171 per month for coverage while women pay $186.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$185
Multiple Accidents$283
1 Ticket$250
Multiple Tickets$174

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Hialeah with a single accident on their record will usually see rates around $185 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $250.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$165
2-3 Years$166
4-5 Years$161
6-7 Years$196
8-10 Years$187
11-14 Years$175
15 Years or Older$171

In terms of affordable coverage, the cheapest vehicles to insure in Hialeah are typically SUVs, at $161 per month.

Truck and van drivers will see rates of about $167 for car insurance, while car owners by and large pay around $182 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Hialeah, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$183
Married$164
Divorced$150
Widowed$85

Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Hialeah, with married couples paying about $19 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$131
Rent$188
Live with parents$216

Another factor taken into consideration is your housing status. Homeowners in Hialeah can expect to pay around $57 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

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 before shopping for coverage.

In Hialeah, the rates for auto insurance decreased from 2017-2019, when they hit a low of $156. This pattern changed in 2020, when they began to rise, and have continued moving in that direction through 2022, when rates reached a high of $249 a month.

How does Hialeah compare to neighboring areas?

Why are car insurance rates in Hialeah different from other areas?

Car insurance companies will take into account several factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Frequency of car accidents
  • Local crime rates
  • Area laws
  • Off-street parking availability
  • Total amount of drivers in the community

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Hialeah?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer plans in Hialeah.

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Hialeah Insurance FAQs

What factors affect car insurance quotes in Hialeah?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Hialeah different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Hialeah?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Hialeah?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Hialeah or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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