Cheapest and Best Car Insurance in Hialeah, FL (2024)


In Hialeah, Florida, GEICO has the lowest insurance rates for both minimum and full coverages, as well as for military members and families with teens. Mercury excels in customer service and overall value.

Key Takeaways

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In Hialeah, Florida, GEICO offers the most affordable minimum coverage car insurance at $762 per year, compared to Direct General Insurance's steep $3,304 annual premium, which underscores the potential for substantial savings of $2,542 when comparing policies amongst providers.

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In Hialeah, Florida, car owners can save a significant $3,657 annually by choosing GEICO's full coverage car insurance over the highest-priced option from Direct General Insurance, underscoring the critical financial advantages of comparing insurance rates.

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In Hialeah, Florida, military drivers seeking the most affordable full coverage car insurance will find that GEICO offers the lowest cost at $1,927 per year, significantly less than Mercury's $2,623 and Direct General Insurance's highest premium of $5,584, emphasizing the importance of comparing rates to maximize savings.

Why Trust MoneyGeek? We analyzed 127,836 quotes from nine insurance companies in Florida, used six sources and original research to rate the cheapest companies and developed a scoring system for Hialeah insurers based on ZIP codes in the city only. Our scoring considered affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Hialeah, FL, as of July 2024.

127,836Quotes Analyzed
 
9Companies Compared

Cheapest Minimum Coverage Car Insurance in Hialeah

GEICO is the cheapest car insurance option in Hialeah.

  • GEICO: $762 per year
  • Mercury: $1,039 per year

Direct General Insurance has the highest premium at $3,304 per year. This $2,542 difference highlights the importance of comparing rates to save big on car insurance.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Minimum Coverage
GEICO$762$64
Mercury$1,039$87
Travelers$1,124$94
Allstate$1,307$109
State Farm$1,603$134
Nationwide$1,618$135
Progressive$1,666$139
Farmers$3,148$262
Direct General Insurance$3,304$275

State Minimum Liability Requirements

In Florida, state law requires these car insurance coverage minimums:

  • $10,000 property damage liability per accident
  • $10,000 personal injury protection (PIP) per person

The state does not mandate bodily injury liability. However, if you choose to purchase it, for example, with coverage of $15,000 per person and $30,000 per accident, the insurer will pay up to those limits. You're responsible for the balance if the vehicle damage exceeds these amounts.

Cheapest Full Coverage Car Insurance in Hialeah

GEICO is Hialeah's cheapest full coverage car insurance option.

  • GEICO: $1,927 per year
  • Travelers: $2,264 per year

Direct General Insurance charges the highest premium at $5,584 annually, $3,657 more than GEICO. This huge price difference highlights the importance of comparing rates for full coverage car insurance, which is more expensive than minimum coverage due to its comprehensive protection.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
GEICO$1,927$161
Travelers$2,264$189
Mercury$2,623$219
State Farm$2,690$224
Allstate$2,735$228
Progressive$3,053$254
Nationwide$3,166$264
Farmers$4,984$415
Direct General Insurance$5,584$465

Why You Need Full Coverage in Florida

Upgrading to a full coverage insurance policy involves increasing your liability limits to $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident — commonly known as a 100/300/100 plan.

Full coverage also includes collision and comprehensive protection:

  • Collision insurance: Covers repair costs after a crash with another car or object (like a tree or pole), rollover accidents and pothole damage.
  • Comprehensive insurance: Covers repair costs due to non-collision incidents, such as theft, natural disasters, vandalism, fires and hitting animals like deer.

Full coverage insurance is required if you finance or lease a car and is recommended for new vehicles to protect your investment. However, this additional protection might not be cost effective for older vehicles and could increase premiums. When deciding how much car insurance you need, consider balancing higher coverage costs against the risk of inadequate coverage and potential out-of-pocket expenses if underinsured.

Cheapest Car Insurance in Hialeah After a Driving Offense

The cheapest full coverage car insurance for drivers with a poor driving record in Hialeah varies by the type of offense:

  • Speeding ticket: Allstate ($2,853 per year)
  • At-fault accident: GEICO ($3,064 per year)
  • DUI: State Farm ($3,053 per year)

Direct General Insurance has the highest rate of $7,710 for at-fault accidents. The cheapest policy after a DUI from State Farm is $200 more expensive per year than the most affordable policy after a speeding ticket from Allstate. This price gap highlights how different traffic violations affect auto insurance rates.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
Allstate$2,853$238
State Farm$3,053$254
Travelers$3,170$264
Mercury$3,753$313
Nationwide$3,784$315
GEICO$3,849$321
Progressive$4,249$354
Direct General Insurance$5,584$465
Farmers$6,354$530

In Hialeah and other cities, drivers with offenses have higher premiums because they're at greater risk to insurers. For instance, drivers with a DUI pay an average annual premium of $5,962, compared to about $5,291 for those with a speeding ticket. This difference emphasizes the need to compare insurance rates carefully for more savings.

Cheapest Car Insurance in Hialeah for Teens and Their Families

GEICO offers the cheapest car insurance for teens in Hialeah. These rates are for two parents and a teen driver:

  • GEICO: $4,885 per year for female teens and $4,945 per year for male teens
  • Nationwide: $5,456 per year for female teens
  • Allstate: $6,031 per year for male teens

Progressive has the highest premium at $9,575 annually for female teens. This $4,690 difference from GEICO's lowest rate highlights the importance of comparing options, especially when adding a high-risk driver like a teenager to the policy.

Data filtered by:Results filtered by:
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Age:16
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Gender:Female
GEICO$4,885$5,232
Nationwide$5,456$9,466
Allstate$5,791$20,990
State Farm$6,658$6,462
Travelers$7,393$12,566
Farmers$8,255$18,476
Progressive$9,575$13,086

Insurance premiums for individual teen policies average around $13,656 annually, compared to the $7,468 average for family plans. Insurers charge higher rates for individual plans due to teens' increased risk of accidents and claims. Many insurers prefer family plans over individual teen policies, highlighting the former's financial advantage and ease of enrollment.

Cheapest Car Insurance in Hialeah for Military Drivers

GEICO is the cheapest option for drivers with military backgrounds in Hialeah.

  • GEICO: $1,927 per year
  • Travelers: $2,264 per year

USAA typically offers competitive rates and excellent service tailored to the needs of active-duty military members nationwide, though it may not be the cheapest in the city.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
GEICO$1,927$161
Travelers$2,264$189
Mercury$2,623$219
State Farm$2,690$224
Allstate$2,735$228
Progressive$3,053$254
Nationwide$3,166$264
Farmers$4,984$415
Direct General Insurance$5,584$465

How to Compare Cheap Hialeah Car Insurance Quotes Online

Comparing car insurance options in Hialeah can help you save money. However, it usually takes time — about 15 minutes per insurer, adding up to over an hour for three or more choices. MoneyGeek's car insurance calculator simplifies this task. Input your age, driving history, credit score and coverage preferences for an instant estimate.

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Rates updated:

Dec 24, 2024

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Best Car Insurance in Hialeah: Summary

Choosing the right auto insurance depends on service quality, cost-effectiveness and coverage options. MoneyGeek's unique scoring system evaluated these factors to determine the best car insurance in Hialeah:

  • Best overall: Mercury (86 out of 100)
  • Best for service: Mercury (83 out of 100)
  • Best cheap: Mercury (87 out of 100)

Mercury is the city's top car insurance provider, offering excellent overall value, top-tier service and affordability.

Best Overall Car Insurance in Hialeah

Mercury offers the best car insurance in Hialeah.

  • Mercury: MoneyGeek score of 86 out of 100 ($2,623 per year)
  • State Farm: MoneyGeek score of 80 out of 100 ($2,689 per year)

Mercury excels with the highest MoneyGeek score, highlighting superior value and customer service for full coverage policies. These factors contribute significantly to Mercury’s overall performance.

Company logo for Mercury
Best OverallMercury
MoneyGeek Score:
86/ of 100

Overview

Mercury earns a high MoneyGeek Score, driven by outstanding ratings for satisfaction (35/35) and claims (20/20). Its coverages include roadside assistance and rental car and/or travel reimbursement. Mercury also offers mechanical breakdown insurance that protects against unexpected repair costs.

Best Car Insurance in Hialeah for Customer Service

Mercury is the top choice in Hialeah for outstanding customer service in car insurance, regardless of rates.

  • Mercury: MoneyGeek score of 83 out of 100 ($2,623 per year)
  • State Farm: MoneyGeek score of 75 out of 100 ($2,690 per year)

Mercury achieves the highest MoneyGeek score, driven by high ratings for satisfaction and efficient claims handling. This underscores the company's commitment to promptly and effectively meeting customer needs.

Company logo for Mercury
Best for Customer ServiceMercury
MoneyGeek Score:
83/ of 100

Overview

Mercury's perfect satisfaction (45/45) and claims (30/30) scores reflect its reliability and customer-first approach. While it offers 24/7 roadside assistance and mechanical breakdown insurance for unexpected repairs, it lacks common coverages like rideshare insurance. Nonetheless, its high MoneyGeek score affirms its overall excellence in customer service.

Best Cheap Car Insurance Companies in Hialeah

Mercury offers the best cheap car insurance in Hialeah.

  • Mercury: MoneyGeek score of 87 out of 100 ($1,039 per year)
  • Travelers: MoneyGeek score of 80 out of 100 ($1,124 per year)

Mercury excels in both cost efficiency and service quality for minimum coverage policies. While affordability is critical, Mercury's strong ratings in customer satisfaction and claims handling further solidify its position as a leading insurer.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
87/ of 100

Overview

Mercury leads with perfect satisfaction and claims ratings that drive its strong MoneyGeek score. It also scores high in affordability (37 out of 40), with an average annual premium of just $1,039 for minimum coverage.

Mercury's comprehensive discount program offers savings on anti-theft systems, automatic payment, bundling policies, insurance for multiple cars, safe driving and good student status. Mercury also offers a rare teacher discount, providing significant savings for educators.

Average Cost of Car Insurance in Hialeah

Residents in Hialeah pay an average premium of $3,233, which is $841 more than the state average of $2,392. Florida's average is $611 above the national average of $1,781.

Location significantly impacts car insurance costs due to accident rates, thefts and claims frequency. Premiums vary widely by city across Florida. For example, Gainesville has the lowest premium at $1,699, which is $1,534 less than Hialeah, the most expensive city. This difference highlights how urbanization and traffic density affect insurance costs, suggesting that less populated areas may offer lower rates.

Brandon$2,650
Cape Coral$1,868
Clearwater$2,273
Coral Springs$2,635
Davie$2,567
Fort Lauderdale$2,605
Gainesville$1,699
Hialeah$3,233
Hollywood$2,724
Jacksonville$2,113
Lakeland$2,015
Lehigh Acres$1,980
Miami$3,041
Miami Gardens$2,961
Miramar$2,556
Orlando$2,146
Palm Bay$1,899
Pembroke Pines$2,508
Pompano Beach$2,696
Port St. Lucie$2,009
Spring Hill$2,152
St. Petersburg$2,382
Tallahassee$1,782
Tampa$2,855
West Palm Beach$2,826

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.