Best Hialeah, FL Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

The best Hialeah, FL auto insurance options are State Farm, Geico, and Allstate, offering rates starting as low as $68/month. State Farm provides top overall value, Geico offers the cheapest premiums, and Allstate delivers flexible coverage, making them the best choices for car insurance in Hialeah, FL.

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Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

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UPDATED: Nov 19, 2024

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Top Pick in Hialeah FL: State Farm
4.1

Company Facts

Full Coverage in Hialeah FL

$192/mo

A.M. Best

B

Complaint Level

High
Best Rates in Hialeah FL: Geico
4.1

Company Facts

Full Coverage in Hialeah FL

$178/mo

A.M. Best

A++

Complaint Level

High
Best Savings in Hialeah FL: Allstate
4.0

Company Facts

Full Coverage in Hialeah FL

$186/mo

A.M. Best

A+

Complaint Level

High

The best Hialeah, FL auto insurance ranked the lowest in price include State Farm, Geico, and Allstate, which start monthly rates at $68.
Best Hialeah, FL Auto Insurance: State Farm, Geico, Allstate

State Farm provides the best overall value, affordable prices, and excellent service delivery, while Geico offers the lowest-priced services, and Allstate offers flexible coverage for added security. They are leaders in competitive pricing, coverage options, and customer satisfaction.

Our Top 10 Company Picks: Best Hialeah, FL Auto Insurance

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
State Farm: Best Hialeah, FL Auto Insurance#117%BLocal AgentState Farm
Geico: Best Hialeah, FL Auto Insurance#225%A++Affordable RatesGeico
Allstate: Best Hialeah, FL Auto Insurance#325%A+UBI SavingsAllstate
Progressive: Best Hialeah, FL Auto Insurance#410%A+Tailored DiscountsProgressive
Liberty Mutual: Best Hialeah, FL Auto Insurance#510%ACustomer ServiceLiberty Mutual
USAA: Best Hialeah, FL Auto Insurance#610%A++Competitive RatesUSAA
Mercury: Best Hialeah, FL Auto Insurance#715%AAffordable OptionsMercury
Farmers: Best Hialeah, FL Auto Insurance#810%AExtensive CoverageFarmers
The General: Best Hialeah, FL Auto Insurance#910%AHigh-Risk AcceptanceThe General
Chubb: Best Hialeah, FL Auto Insurance#1010%A++Premium ProtectionChubb

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Get ready to explore car insurance options in Hialeah. Before we dive in, enter your ZIP code in our free tool to start comparing rates.

Can't-Miss Facts

  • Best Hialeah, FL auto insurance includes State Farm, Geico, Allstate
  • State Farm is the best pick, with rates starting at $68 monthly
  • Save in Hialeah with safe driving, low mileage, and policy bundling

Table of Contents

#1 – State Farm: Top Overall PickState Farm: Best Hialeah, FL Auto Insurance

Pros

  • Local Agent Support: State Farm provides convenient auto insurance services in Hialeah, FL, with local agents available for face-to-face assistance.
  • Multi-Policy Discounts: State Farm gives Hialeah customers up to 17% off auto insurance when bundling with homeowners. Explore further details in our “State Farm Auto Insurance Review.”
  • Safe Driving Incentives: State Farm gives Hialeah, Florida residents discounts on their auto insurance for being responsible drivers by enrolling in good student and defensive driving courses.

Cons

  • Fewer Digital Tools than Competitors: State Farm’s online auto insurance tools are less advanced than its competitors, which may deter customers in Hialeah who prefer online policy management.
  • Average Financial Strength: State Farm’s B rating shows solid financial strength but is lower than other top insurers, potentially affecting Hialeah, Florida, auto insurance.

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#2 – Geico: Best for Affordable RatesGeico: Best Hialeah, FL Auto Insurance

Pros

  • Low Premiums: Geico is a well-known insurance company offering affordable auto insurance in Hialeah, FL, which makes it an excellent choice for budget-conscious drivers.
  • Massive Bundling Discount: Geico offers the option of bundling home and auto insurance with a 25% discount to save money for Hialeah customers.
  • Wide Range of Discounts: Geico offers various auto insurance discounts, including those for safe drivers, military personnel, and federal employees in Hialeah, Florida.

Cons

  • Local Agent Not Supported: Geico focuses on digital and phone services, which may not meet the needs of Hialeah residents who prefer in-person assistance with auto insurance.
  • Average Customer Service: Geico offers affordable auto insurance, but its customer service in Hialeah is average. Find out more through our “Geico Auto Insurance Review.”

#3 – Allstate: Best for UBI SavingsAllstate: Best Hialeah, FL Auto Insurance

Pros

  • Telematics Discounts: Allstate’s usage-based auto insurance program rewards safe driving with personalized premiums and delivers real-time feedback to drivers in Hialeah.
  • Generous Bundling Discount: Hialeah auto insurance customers can receive a 25% discount from Allstate by bundling home and auto policies.
  • Strong Financial Rating: Allstate has an A+ rating from A.M. Best, giving Hialeah customers confidence that the auto insurance company will pay their claims.

Cons

  • Higher Premiums: Allstate’s car insurance rates in Hialeah may be higher than those of competitors, especially without UBI discounts. Deepen your insight with our “Allstate Auto Insurance Review.”
  • Limited Discounts for non-UBI Users: While UBI participants enjoy significant savings, traditional auto insurance customers may find fewer discounts than other Hialeah providers.

#4 – Progressive: Best for Tailored DiscountsProgressive: Best Hialeah, FL Auto Insurance

Pros

  • Customized Discount Options: Progressive offers car insurance discounts in Hialeah. The company has a program, Snapshot, that rewards good drivers with discounts on their premiums.
  • Bundling Savings: Progressive provides a 10% discount on auto insurance for Hialeah drivers who bundle it with home or renters insurance.
  • Strong A.M. Best Rating: Progressive’s A+ rating assures Hialeah auto insurance policyholders of reliable claims. Expand your understanding with our “Progressive Auto Insurance Review.”

Cons

  • Complex Discount Qualifications: Some of Progressive’s auto insurance discounts, like Snapshot, have strict qualifications and may only be available to some Hialeah drivers.
  • Higher Rates without Discounts: Progressive’s auto insurance rates in Hialeah may be higher for customers who don’t qualify for discounts or opt out of usage-based programs.

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#5 – Liberty Mutual: Best for Customer ServiceLiberty Mutual: Best Hialeah, FL Auto Insurance

Pros

  • Excellent Customer Service: Liberty Mutual offers excellent customer service, making the insurance claims process smooth for policyholders in Hialeah.
  • Bundling Savings: Liberty Mutual offers Hialeah residents a 10% discount on bundled auto and home insurance. Learn more from our “Liberty Mutual Auto Insurance Review.”
  • Variety of Discounts: Liberty Mutual Auto Insurance offers discounts, including safe driving, new vehicles, and claims-free history to help Hialeah motorists save on their premiums.

Cons

  • Higher Premiums for Full Coverage: High rates for full coverage make Liberty Mutual’s auto insurance unattractive to budget-conscious Hialeah motorists.
  • Lower Bundling Discount: Liberty Mutual offers a 10% discount on insurance, while Geico and Allstate provide a 25% discount for policyholders in Hialeah, Florida.

#6 – USAA: Best for Competitive RatesUSAA: Best Hialeah, FL Auto Insurance

Pros

  • Exclusive Military Discounts: USAA offers auto insurance discounts for military families, including multi-policy and good student discounts, making it a top choice in Hialeah.
  • Competitive Rates for Military: USAA provides competitive pricing for the military of Hialeah, FL, for car insurance and also offers exclusive benefits that deal with the military arena only.
  • Financial Strength: USAA is a financially stable auto insurer with an A++ rating from A.M. Best, ensuring reliable claims and coverage for customers in Hialeah.

Cons

  • Limited Eligibility: USAA auto insurance is only for military members and their families, excluding many Hialeah residents. Explore further in our article titled “USAA Auto Insurance Review.”
  • Limited Physical Branches: USAA relies heavily on digital and phone-based services, which might not suit Hialeah drivers who prefer face-to-face support for their auto insurance.

#7 – Mercury: Best for Affordable OptionsMercury: Best Hialeah, FL Auto Insurance

Pros

  • Budget-Friendly Premiums: Mercury offers affordable auto insurance, making it popular in Hialeah, Florida. For additional insights, refer to our “Mercury Auto Insurance Review.”
  • Multiple Discounts: Mercury auto insurance discounts include good driver, multi-policy discounts, and paid-in-full, which means Hialeah car owners can save even more from their auto insurance.
  • Decent Bundling Discount: Mercury also offers a 15% discount for other types of insurance with auto coverage, which makes it possible for Hialeah to realize competitive savings.

Cons

  • Lower Financial Rating: Mercury has an A rating from A.M. Best. Solid, it is lower than some competitors, which may impact long-term confidence in auto insurance claims in Hialeah, Florida.
  • Limited Discount Variety: Mercury offers a variety of auto insurance discounts, but compared to other companies, it has fewer options that may limit savings for some drivers in Hialeah.

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#8 – Farmers: Best for Extensive CoverageFarmers: Best Hialeah, FL Auto Insurance

Pros

  • Comprehensive Coverage Options: Farmers provides various auto insurance options for Hialeah drivers seeking more extensive coverage than liability insurance.
  • Bundling Savings: Farmers have an attractive 10% discount for bundling auto insurance, and those staying in Hialeah can save when bundling home or renters insurance with auto policies.
  • Discounts for Safe Drivers and Homeowners: Farmers’ auto insurance also offers discounts to good drivers and homeowners to help motorists in Hialeah save on premiums.

Cons

  • Higher Premiums for Full Coverage: Farmers often pay higher premiums for full auto insurance coverage, which may not suit budget-conscious Hialeah drivers.
  • Low Bundling Discount: Farmers’ 10% bundling discount on auto insurance offers less savings than other insurers for Hialeah drivers. Check our “Farmers Auto Insurance Review” for more details.

#9 – The General: Best for High-Risk AcceptanceThe General: Best Hialeah, FL Auto Insurance

Pros

  • Coverage for High-Risk Drivers: The General offers Hialeah automobile insurance for high-risk drivers, even when other carriers decline coverage.
  • Low Mileage and Student Discounts: The General offers low-mileage and good-student discounts to help Hialeah clients and students save on car insurance.
  • Flexible Payment Plans: The General offers flexible payment plans to help Hialeah drivers manage their auto insurance costs. Access the complete picture in our “The General Auto Insurance Review.”

Cons.

  • Higher Premiums for High-Risk Drivers: The General accepts high-risk drivers, and its auto insurance premiums for Hialeah residents tend to be higher than standard policies.
  • Limited Coverage Options: The General offers fewer comprehensive auto insurance options than some of the larger insurers, which may only meet the needs of some Hialeah drivers.

#10 – Chubb: Best for Premium ProtectionChubb: Best Hialeah, FL Auto Insurance

Pros

  • Premium Coverage Options: Chubb offers a wide range of insurance options that suit the high-end solutions Hialeah drivers seek.
  • High Customer Satisfaction: Hialeah clients often praise Chubb for its excellent customer service, especially in insurance claims handling, which helps ease stressful situations.
  • Luxury and High-Value Vehicle Expertise: Chubb specializes in insuring luxury and high-value vehicles, providing tailored insurance coverage for Hialeah premium car owners.

Cons

  • Limited Discount Variety: Chubb offers fewer discounts than other companies in Hialeah, FL, limiting auto insurance savings. Our article, “Chubb Auto Insurance Review,” gives deeper insights.
  • Higher Premiums for Some Drivers: Chubb’s emphasis on premium protection often results in higher premiums, making it challenging for Hialeah drivers looking for affordable insurance.

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Auto Insurance Coverage Options in Hialeah, FL

You can choose to have only basic or full liability coverage in Hialeah. Liability coverage is cheap but still meets Florida’s minimum; however, full coverage, with collision and comprehensive protection, gives most drivers much-needed extra safety.

Hialeah, FL Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Hialeah, FL Auto Insurance$94$186
Chubb: Best Hialeah, FL Auto Insurance$99$215
Farmers: Best Hialeah, FL Auto Insurance$91$182
Geico: Best Hialeah, FL Auto Insurance$82$178
Liberty Mutual: Best Hialeah, FL Auto Insurance$87$201
Mercury: Best Hialeah, FL Auto Insurance$83$173
Progressive: Best Hialeah, FL Auto Insurance$76$165
State Farm: Best Hialeah, FL Auto Insurance$89$192
The General: Best Hialeah, FL Auto Insurance$88$187
USAA: Best Hialeah, FL Auto Insurance$68$160

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Allstate and Progressive can provide add-ons such as Uninsured Motorist Coverage and roadside assistance for enhanced peace of mind. Compare the coverage levels to find the right balance between cost and security.

Ways to Save on Auto Insurance in Hialeah, FL

In Hialeah, FL, auto insurers offer many discounts to reduce premiums. Typical car insurance discounts include driver experience, having multiple policies with the same company, and maintaining high grades. If you qualify, you can enjoy significant reductions in your monthly premium.

Auto Insurance Discounts From the Top Providers in Hialeah, FL

Insurance CompanyAvailable Discounts
Allstate: Best Hialeah, FL Auto InsuranceBundling, Safe Driver, Good Student, New Car, Early Signing
Chubb: Best Hialeah, FL Auto InsuranceBundling, Claims-Free, Safety Features, Hybrid Vehicle, Annual Payment
Farmers: Best Hialeah, FL Auto InsuranceBundling, Good Driver, Homeowner, Vehicle Safety Features
Geico: Best Hialeah, FL Auto InsuranceBundling, Safe Driver, Good Student, Military, Federal Employee
Liberty Mutual: Best Hialeah, FL Auto InsuranceBundling, Safe Driver, New Car, Homeowner, Claims-Free
Mercury: Best Hialeah, FL Auto InsuranceBundling, Good Driver, Homeowner, Low Mileage, Paid-In-Full
Progressive: Best Hialeah, FL Auto InsuranceBundling, Snapshot Program, Homeowner, Continuous Coverage
State Farm: Best Hialeah, FL Auto InsuranceBundling, Safe Driver, Good Student, Vehicle Safety Features, Defensive Driving
The General: Best Hialeah, FL Auto InsuranceLow Mileage, Multi-Vehicle, Homeowner, Good Student, High-Risk Coverage
USAA: Best Hialeah, FL Auto InsuranceBundling, Safe Driver, Military, Vehicle Safety Features, Good Student

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Insurers like Geico and State Farm also provide discounts for cars with safety features or low mileage. Always check with your provider to see what discounts you qualify for to help lower your auto insurance costs.

Digital Transformation in Hialeah, FL Auto Insurance

Online technologies have transformed the face of automobile insurance access in Hialeah, FL. Customers can now request car insurance quotes in Hialeah, FL, compare auto insurance companies, and look at different coverage options offered by various insurers within clicks of a few moments.

Best Hialeah, FL Auto Insurance: Mobile Insurance Tools Definition Card

Digital tools allow customers to make informed decisions regarding their auto insurance needs, saving time and effort that somebody would otherwise spend navigating traditional automobile’ channels.

Hialeah-based insurers use mobile apps and online portals to allow customers to make payments, update information, and file claims easily. Integrating AI. Automation ensures quick processing of claims and other operations.

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Getting Car Insurance in Hialeah, FL

Compare auto insurance quotes in Hialeah, FL, from various providers online. Online comparison websites will give you the best rates and coverage. Prepare your car’s details, including the make, model, and VIN, for correct estimates.

State Farm offers the best overall value in Hialeah, FL, with competitive coverage starting at just $68 per month.

Tracey L. Wells Licensed Insurance Agent & Agency Owner

After choosing an insurer, complete the application with your personal and driving information. Some companies may review your credit score, which affects car insurance premiums. Once you’ve selected your policy, complete the payment to activate your coverage.

Hialeah, FL Car Insurance Key Safety Features

While buying car insurance in Hialeah, FL, look for cars with safety features. These include airbags, backup cameras, and lane departure warnings. They reduce the chances of accidents and make your premiums lower.

Newer cars with driver-assist features like adaptive cruise control and collision avoidance systems will make safer roads. Thus, money spent on such features might save one from crashing, resulting in additional insurance savings.

Cheap Car Insurance in Hialeah

In this chapter, we’ll look at the factors that you can and can’t control regarding the price: your sex, age, location, credit score, and record of driving history.

Hialeah, FL Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Hialeah, FL Auto Insurance$94$186
Chubb: Best Hialeah, FL Auto Insurance$99$215
Farmers: Best Hialeah, FL Auto Insurance$91$182
Geico: Best Hialeah, FL Auto Insurance$82$178
Liberty Mutual: Best Hialeah, FL Auto Insurance$87$201
Mercury: Best Hialeah, FL Auto Insurance$83$173
Progressive: Best Hialeah, FL Auto Insurance$76$165
State Farm: Best Hialeah, FL Auto Insurance$89$192
The General: Best Hialeah, FL Auto Insurance$88$187
USAA: Best Hialeah, FL Auto Insurance$68$160

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This information should give you an idea of where to get discounts; therefore, continue reading and discover how to save money on your car insurance.

Impact of Gender and Age on Car Insurance Rates in Hialeah

DataUSA reports that the average age in Hialeah is 44, and many mature drivers can benefit from lower car insurance rates due to their experience. Here’s a look at how much different age groups in Hialeah typically pay for auto insurance:

Hialeah, FL Auto Insurance Monthly Rates by Provider, Age, & Gender

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 34 FemaleAge: 34 Male
Allstate: Best Hialeah, FL Auto Insurance$670$831$325$348
Chubb: Best Hialeah, FL Auto Insurance$710$879$345$368
Farmers: Best Hialeah, FL Auto Insurance$753$966$393$417
Geico: Best Hialeah, FL Auto Insurance$453$531$282$299
Liberty Mutual: Best Hialeah, FL Auto Insurance$697$865$340$362
Mercury: Best Hialeah, FL Auto Insurance$721$894$353$375
Progressive: Best Hialeah, FL Auto Insurance$664$775$348$370
State Farm: Best Hialeah, FL Auto Insurance$469$528$280$297
The General: Best Hialeah, FL Auto Insurance$690$855$338$359
USAA: Best Hialeah, FL Auto Insurance$375$520$230$245

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Sixty-year-olds usually receive the lowest car insurance rates, as older drivers pay less. In contrast, young, inexperienced drivers, like 17-year-olds, face higher premiums. Now, let’s explore how your neighborhood affects your car insurance rates.

Cheapest ZIP Codes in Hialeah, FL

The premiums that insurers may charge within a city can be increased or decreased depending on the claims filed within certain neighborhoods about specific causes, including accidents, natural disasters, and theft of vehicles.

Now, look at the average rates for various Hialeah ZIP codes.

Hialeah, FL Auto Insurance Monthly Rates by ZIP Code

ZIP CodeRates
33122$592
33010$472
33012$462
33013$460
33016$451
33014$443
33018$438
33015$434
33056$236
33054$120

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For them, the districts with more frequent incidents and claims are more hazardous to underwrite.

Commute-Related Car Insurance Rates for Hialeah, FL Drivers

Car insurers are primarily concerned with risk assessment. So, if you put a lot of miles on your car, they can consider you riskier to insure because you may be more likely to get into an accident.

Best Hialeah, FL Auto Insurance State Farm Homepage Screenshot

Floridians drive an average of 14,465 miles yearly. You may pay more or less for your premiums if you drive more or fewer miles than average. To help you see how that works, here’s how much the top insurers charge for ten to 25-mile commutes:

Hialeah, FL Auto Insurance Monthly Rates by Annual Mileage

Insurance Company6,000 Miles12,000 Miles
Allstate: Best Hialeah, FL Auto Insurance$932$986
Geico: Best Hialeah, FL Auto Insurance$382$386
Liberty Mutual: Best Hialeah, FL Auto Insurance$657$702
Nationwide: Best Hialeah, FL Auto Insurance$570$570
Progressive: Best Hialeah, FL Auto Insurance$719$719
State Farm: Best Hialeah, FL Auto Insurance$501$544
USAA: Best Hialeah, FL Auto Insurance$350$358

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Nationwide and Progressive don’t base their rates on mileage. Among companies who do, Geico had the lowest price difference from 10- to 25-mile commutes, nearly $46, but with Allstate, it amounted to almost $700.

Hialeah, FL Auto Insurance Rates by Coverage Level

The amount of insurance you buy, whether the state-required minimum liability or full coverage, affects how much you pay. If you can afford it, generally, you want coverage that will give you and your loved ones the most protection in case of an accident.

Below, we’ll review the average costs for Hialeah’s low, medium, and high coverage levels.

Hialeah, FL Auto Insurance Monthly Rates by Coverage Level

Insurance CompanyLowMediumHigh
Allstate: Best Hialeah, FL Auto Insurance$754$1,005$1,116
Geico: Best Hialeah, FL Auto Insurance$323$396$432
Liberty Mutual: Best Hialeah, FL Auto Insurance$626$696$716
Nationwide: Best Hialeah, FL Auto Insurance$458$591$661
Progressive: Best Hialeah, FL Auto Insurance$620$733$805
State Farm: Best Hialeah, FL Auto Insurance$467$532$568
USAA: Best Hialeah, FL Auto Insurance$304$367$391

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With USAA and Liberty Mutual, from the lowest to the highest coverage, there was a difference of $1,000, which was less than other insurers.

Impact of Credit History on Hialeah, FL Auto Insurance Rates

Your credit score also influences car insurance rates. Often, drivers with poor credit pay more than those with good credit. Let’s see how credit history affects prices in Hialeah.

Hialeah, FL Auto Insurance Monthly Rates by Credit Score

Insurance CompanyGood CreditFair CreditBad Credit
Allstate: Best Hialeah, FL Auto Insurance$662$839$1,376
Chubb: Best Hialeah, FL Auto Insurance$615$760$1,121
Farmers: Best Hialeah, FL Auto Insurance$891$1,166$1,575
Geico: Best Hialeah, FL Auto Insurance$250$337$564
Liberty Mutual: Best Hialeah, FL Auto Insurance$516$641$881
Mercury: Best Hialeah, FL Auto Insurance$790$971$1,443
Nationwide: Best Hialeah, FL Auto Insurance$466$520$725
Progressive: Best Hialeah, FL Auto Insurance$547$666$945
State Farm: Best Hialeah, FL Auto Insurance$378$466$723
USAA: Best Hialeah, FL Auto Insurance$202$280$580

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Nationwide had the lowest prices from poor to good credit, at just over $3,100; with Allstate, the difference amounted to almost $9,000. This information shows that credit score is a significant driver of car insurance rates.

Your Driving History Affects Hialeah, FL Auto Insurance Rates

A speeding ticket doesn’t just wind up on your driving record; it can also increase your car insurance rates. Below are car insurance prices for common driving penalties in Hialeah:

Hialeah, FL Auto Insurance Monthly Rates by Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: Best Hialeah, FL Auto Insurance$834$915$1,007$1,079
Chubb: Best Hialeah, FL Auto Insurance$44$110$155$165
Farmers: Best Hialeah, FL Auto Insurance$272$325$375$440
Geico: Best Hialeah, FL Auto Insurance$264$418$340$512
Liberty Mutual: Best Hialeah, FL Auto Insurance$492$669$637$919
Mercury: Best Hialeah, FL Auto Insurance$280$350$420$490
Nationwide: Best Hialeah, FL Auto Insurance$486$540$535$721
Progressive: Best Hialeah, FL Auto Insurance$565$763$840$709
State Farm: Best Hialeah, FL Auto Insurance$476$522$569$522
USAA: Best Hialeah, FL Auto Insurance$279$292$342$502

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Factors Driving Auto Insurance Premiums in Hialeah, FL

Hialeah, FL, has moderate weather risks and high claim sizes. This leads to increased auto insurance rates for residents. Insurance claim services in Hialeah, FL, help manage these claims.

Hialeah, FL Report Card: Auto Insurance Premiums

CategoryGradeExplanation
Weather-Related RisksBModerate weather impact
Average Claim SizeCHigh claim sizes
Vehicle Theft RateCModerate theft rates
Traffic DensityDVery high traffic
Uninsured Drivers RateDHigh rate of uninsured drivers

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High traffic and a large number of uninsured drivers increase accident risks. This leads to more claims and higher premiums for drivers. Insurance claim services in Hialeah, FL, help manage these claims, while a claim-free insurance discount rewards safe drivers who avoid filing claims.

Auto Accident and Insurance Claims Statistics in Hialeah, FL

Hialeah, FL, experiences 6,000 accidents and 3,000 claims annually. The average claim size is about $5,000, reflecting significant costs. Weather-related incidents also contribute to a high number of claims.

Hialeah, FL Auto Accident & Insurance Claim Statistics

FactorValue
Total Accidents Per Year6,000
Total Claims Per Year3,000
Average Claim Size$5,000
Percentage of Uninsured Drivers20%
Vehicle Theft Rate120 thefts/year
Traffic DensityHigh
Weather-Related IncidentsHigh

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With 20% of drivers uninsured, the risks for insured drivers rise significantly. The 120 vehicle thefts per year in the city also push premiums higher. Additionally, heavy traffic density increases challenges for drivers and insurers, especially for high-risk drivers.

Best Auto Insurance Options in Hialeah, FL

Among the best auto insurance companies in Hialeah, FL, are State Farm, Geico, and Allstate, which offer excellent coverage at the lowest rates in the competition. State Farm showcases the best low prices with fantastic service, while Geico boasts budget-friendly premiums. Allstate provides flexible benefits with usage-based insurance savings.

State Farm, Geico, and Allstate lead Hialeah, FL, offering the best coverage at competitive rates, with State Farm excelling in service, Geico in affordability, and Allstate in flexible benefits and UBI savings.

When selecting auto insurance, consider the driving habits, coverage needed, and budget. You will probably find the ideal coverage by quoting the top providers and maximizing the car insurance discounts. Compare your credit score and driving history to find the cheapest deals in Hialeah.

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Frequently Asked Questions

What are the best auto insurance companies in Hialeah, FL?

The best auto insurance companies in Hialeah, FL, are State Farm, Geico, and Allstate. These companies combine affordability, coverage options, and customer satisfaction to offer good services.

Where can I look for car insurance in Hialeah?

Drivers can easily find car insurance in Hialeah. Here’s how to go about it: You can find them through some online tools, or you can try them from the local car insurance agents in Hialeah, FL, specializing in this industry, or you can check company websites such as State Farm, Geico, and Allstate.

What are the average car insurance rates in Hialeah, FL?

The average auto insurance cost in Hialeah, FL, differs depending on the provider, coverage, and personal factors like driving record and credit score. On average, drivers pay about $68 per month, but rates may vary for car insurance in Hialeah Gardens based on location and individual circumstances.

Which company offers the best car insurance rates in Hialeah?

Geico and USAA are among Hialeah’s most affordable car insurance options, while State Farm offers competitive rates and quality service. Bundling car and homeowners insurance in Hialeah can lead to multi-policy discounts with providers like State Farm and Allstate.

What are the best car insurance companies for teenagers in Hialeah, FL?

Geico, State Farm, and Progressive offer the best rates for teenagers in Hialeah, with discounts for safe driving and good student performance.

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Who offers the cheapest car insurance in Hialeah?

Geico and USAA are often the most affordable options in Hialeah. However, your driving history, the area where you live, and the level of coverage you need can all impact the rate you receive. For more affordable options, consider these cheap auto insurance companies.

What is the best car insurance in Hialeah for high-risk drivers?

State Farm and Direct Auto offer the best car insurance options in Hialeah, FL, for high-risk drivers in Hialeah, providing affordable rates and flexible coverage options.

How can I get home insurance quotes in Hialeah?

Get home insurance quotes in Hialeah by visiting company websites or using online comparison tools. For homeowners insurance in Hialeah, FL, consider bundling with auto insurance for better rates.

How can I get low-cost car insurance in Hialeah?

Cheap auto insurance rates in Hialeah can be acquired by comparing shopping, bundling policies, maintaining a clean driving record, and taking advantage of an insurance provider’s discounts for low mileage, safe driving, and car safety equipment.

What are the best options for cheap car insurance in Hialeah, FL?

Geico is the cheapest, with an average monthly premium of $58, while State Farm costs $120. Gainsco auto insurance offers rates starting at $113 monthly for young drivers. If you live in an area with a higher crime rate in Hialeah, FL, you may need to adjust your coverage for comprehensive protection.

Begin your car insurance search in Hialeah today. Enter your ZIP code to compare rates for free.

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