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Hialeah, a suburb of metropolitan Miami, was named by Allstate as one of the places in the country with the most safe drivers. What a big difference from just a few years ago, when Miami and Hialeah were both named as cities with the worst drivers in the country.
Although Hialeah drivers seem to be making improvements, car insurance rates are yet to catch up. The average cost of car insurance in Hialeah is $1,606 per year for minimum vehicle insurance and $3,405 for full coverage. Car insurance rates in Florida are the second-highest in the country, making it necessary for drivers to find ways to save on coverage. To find savings, start with the cheapest insurance companies in Hialeah. We looked at Bankrate price quote data, independent studies on customer satisfaction and carrier insurance options for Florida to narrow the list down to a handful of best car insurance companies in Hialeah.
Best car insurance companies in Hialeah
The following carriers have the cheapest car insurance rates but also provide a higher than average level of service. We used J.D. Power’s car insurance study to gauge customer satisfaction. The organization provides annual studies on how major carriers rate (according to participating policyholders) as far as communication, claims, pricing and coverage options.
|Insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||823 / 1,000||$996||$2,261|
|Allstate||846 / 1000||$1,561||$3,181|
|State Farm||848 / 1000||$1,617||$2,808|
|Progressive||822 / 1000||$2,045||$3,852|
Geico has the cheapest car insurance in Hialeah, partly due to the number of potential discounts the company offers customers. Geico partners with larger employers to offer affiliation pricing and discounts on car insurance to its employees. Of Geico’s 16 discounts, you can earn a potential 22% to 25% off your rates for bundling vehicles, being accident-free for five years or more, or owning a vehicle equipped with an anti-theft device or system.
Allstate’s car insurance averages for Hialeah drivers are the second-cheapest for minimum coverage. However, full coverage is on the expensive side. If you are only in search of minimum car insurance, you will find that Allstate’s mobile app is one of the best in the industry for managing your policy and filing claims. You can snap photos directly through the app that get automatically sent to the adjuster so your claim moves along faster and more conveniently. The app also includes Drivewise, which tracks your driving to provide you with discounts on your premiums when you drive safely.
State Farm tops J.D. Power’s insurance study for 2021, with a score of 848. Floridians were most happy with the car insurance company’s level of service and claims process. However, State Farm rates are considerably higher than Geico’s. For vehicle owners in search of personalized service, the higher premiums may not be a deal breaker, especially when you consider that State Farm has local agents throughout the state and three in Hialeah. Knowing you have a local advocate that can help you with a claim or provide assistance with insurance-related issues may make the difference in price incidental.
Progressive has a few ways for Dade County residents to save. Start with the Name Your Price tool, which allows you to enter how much you would like to pay for coverage and work backwards to see how much vehicle insurance your budget buys you. You can also get quotes from several carriers to compare directly from Progressive at the same time you get a quote from the carrier.
Cheapest car insurance in Hialeah
For a strict comparison of the cheapest carriers, the following list features the largest insurance companies and average car insurance rates in Hialeah Rates in Hialeah are higher for full car insurance than Florida’s as a whole — the average cost of car insurance in Florida is $2,364, compared to Hialeah’s $3,405.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Geico is the only carrier with rates in line with the state average. All other insurance companies charge more for full car insurance in Hialeah. If you prefer an insurance company with local offices and agents, Allstate and State Farm have offices in Hialeah. Geico, MetLife and Progressive primarily service policyholders online or over the phone, but all have robust websites and mobile apps that make it easy to manage your policy.
Hialeah insurance requirements
Hialeah’s car insurance requirements are different from the liability-only requirements most states have. You will need:
- Personal Injury Protection (PIP): At least $10,000
- Property Damage Liability (PDL): At least $10,000
Although not required, carrying uninsured/underinsured motorist insurance could be a good idea. The Insurance Information Institute found that 20% of Florida drivers are uninsured. If you are in an accident with someone without insurance, you will have little financial recourse, even if they are at fault.
Car insurance discounts in Hialeah
Most Hialeah car insurance companies offer discounts for new and existing policyholders. You may be able to qualify for more than one discount, saving considerable money on your car insurance bill. Check with your carrier regarding the following:
- Autopay: Setting up automatic payments reduces the chances you forget to pay your bill and suffer a lapse in coverage. Most companies will consider giving you a small discount when you autopay your vehicle insurance bill.
- Safe driver: One of the biggest impacts you can make on your rate is avoiding tickets and accidents. If you are claims and accident-free for several years, you may see a discount.
- Bundling: Buying coverage for multiple vehicles (or for your car and home) may earn you bundling discounts. In most cases, the rate reduction applies to all policies.
- Switching: Some carriers offer a new customer discount when you switch insurance companies. The discount may only apply for the first year of coverage but it could save you some money while it lasts.
Frequently asked questions
What is the best car insurance company?
There are a few carriers that could rank as the best car insurance companies. For lowest rates, Geico tops the list in Hialeah, Florida. State Farm has the highest rating in Florida for customer satisfaction. But the best car insurance company for you will depend on a number of personal rating factors, as well as the type of coverage and discounts you want to take advantage of.
How much does car insurance in Hialeah cost?
Hialeah’s car insurance rates for full coverage is one of the highest in the state. The average cost of car insurance in Hialeah is $1,606 per year for minimum car insurance and $3,405 for full coverage.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.