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How much is car insurance in Hialeah?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Hialeah are about $45 a month more expensive than the rest of Florida.
Similarly, drivers in Hialeah may pay higher rates than the rest of the country. It's about $87 more for coverage in Hialeah than in 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. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
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. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Hialeah.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance, in Hialeah men actually pay $159 per month for coverage while women pay $181.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Hialeah with a single accident on their record is about $179 a month. Similarly, drivers with one ticket will typically pay around $172 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$166|
|15 Years or Older||$155|
In Hialeah, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $143 per month to insure their vehicle.
Car owners can expect to pay an average of around $175 a month for their policy, while SUVs usually cost around $147 a month to insure.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Hialeah, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$171|
Generally speaking, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Hialeah can be as much as $4 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$217|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $42 a month more than homeowners 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 overall 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, car insurance rates decreased from 2016-2019, before leveling out in 2020. Car insurance rates finished down in 2021, at $151 a month
How does Hialeah compare to neighboring areas?
Why are car insurance rates in Hialeah different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Number of drivers in the community
- Rate of car accidents
- Regional crime rates
- Off-street parking access
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great 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 to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Hialeah.
Hialeah 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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Hialeah different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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 will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Hialeah?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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?