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7+ years in personal finance writing
Certified Financial Education Instructor
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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The average cost of car insurance in Hialeah is $193 per month for state-minimum coverage and $286 for a full-coverage policy.
Average full-coverage insurance policy rates in Hialeah are on par with rates in nearby Miami and Miami Beach. But average liability-only rates are slightly higher in Hialeah. All three cities have large populations and severe weather risks, including flooding and hurricanes, which help explain the similar rates.
State Farm offers the cheapest auto insurance in Hialeah, with average rates of $102 per month. Average car insurance rates in Hialeah are higher than both the overall state and national averages.
As a no-fault state, Florida requires drivers to have a minimum amount of liability insurance. You also need personal injury protection (PIP) and property damage liability (PDL).[1]
The following table highlights the lowest liability coverage rates in Hialeah, according to Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $102 |
| Clearcover | $110 |
| Mile Auto | $111 |
| Progressive | $111 |
| GEICO | $115 |
| Embark | $134 |
| Dairyland | $143 |
| GAINSCO | $152 |
| Direct Auto | $153 |
| Mercury | $157 |
| The General | $162 |
| Bristol West | $174 |
| Allstate | $177 |
| AssuranceAmerica | $177 |
| National General | $186 |
| Insurify Car | $193 |
| Root | $208 |
| Travelers | $211 |
| Hugo | $258 |
| Mendota | $286 |
| First Acceptance | $287 |
| Liberty Mutual | $294 |
The average cost of full-coverage car insurance in Hialeah is $286 per month. Full-coverage policies typically include comprehensive and collision coverage. Full coverage can help repair or replace your vehicle if Florida’s severe weather, like hurricanes and flooding, damages it.[2] [3]
The table below shows the cheapest full-coverage insurance rates in Hialeah, Florida.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $163 |
| Progressive | $183 |
| Mile Auto | $208 |
| Mercury | $231 |
| GEICO | $239 |
| National General | $241 |
| Direct Auto | $255 |
| Bristol West | $269 |
| Clearcover | $269 |
| Allstate | $285 |
| The General | $311 |
| AssuranceAmerica | $322 |
| Embark | $328 |
| Travelers | $338 |
| GAINSCO | $363 |
| Root | $368 |
| Liberty Mutual | $380 |
| Dairyland | $410 |
| First Acceptance | $420 |
| Mendota | $446 |
Hialeah ranks among the most expensive cities for Florida car insurance, on par with Miami and Tampa.
All three of these cities have large populations, which can lead to traffic congestion and accidents. Miami-Dade County recorded more than 56,000 crashes in 2025, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). More accidents lead to more claims and higher rates.[4]
All three cities also experience similar weather risks, including hurricanes and flooding, which can cause major damage to vehicles. Frequent severe weather increases the likelihood of insurance claims and drives up rates.
Panama City has some of the lowest rates, likely due to fewer people and lower traffic density.
The following table shows average monthly quotes for different Florida cities.
City | Average Monthly Quote |
|---|---|
| Venice | $134 |
| Milton | $142 |
| The Villages | $143 |
| Saint Augustine | $149 |
| North Port | $150 |
| Panama City | $150 |
| Punta Gorda | $150 |
| Vero Beach | $150 |
| Port Orange | $153 |
| Eustis | $155 |
| Gainesville | $157 |
| Sarasota | $158 |
| Melbourne | $161 |
| Palm Coast | $161 |
| Cocoa | $164 |
| Naples | $164 |
| Pensacola | $164 |
| Palm Bay | $166 |
| Jupiter | $167 |
| Cape Coral | $169 |
| Tallahassee | $169 |
| Ocala | $170 |
| Largo | $172 |
| Bradenton | $175 |
| Clearwater | $175 |
| Daytona Beach | $175 |
| Port Saint Lucie | $175 |
| Lakeland | $177 |
| Winter Springs | $177 |
| Saint Cloud | $178 |
| Clermont | $179 |
| Winter Haven | $179 |
| Fort Myers | $180 |
| Sanford | $180 |
| Pinellas Park | $183 |
| Oviedo | $185 |
| Plant City | $185 |
| Coral Springs | $186 |
| Orange Park | $186 |
| Saint Petersburg | $186 |
| Jacksonville | $187 |
| Palm Harbor | $188 |
| Davenport | $189 |
| Apopka | $190 |
| Altamonte Springs | $192 |
| Deltona | $196 |
| Palm Beach Gardens | $197 |
| Spring Hill | $198 |
| Kissimmee | $199 |
| New Port Richey | $204 |
| Wesley Chapel | $206 |
| Orlando | $208 |
| Wellington | $212 |
| Boca Raton | $215 |
| Brandon | $215 |
| Riverview | $215 |
| Fort Lauderdale | $218 |
| Hollywood | $220 |
| North Miami Beach | $220 |
| Holiday | $223 |
| Pompano Beach | $224 |
| West Palm Beach | $224 |
| Homestead | $227 |
| Miami Beach | $227 |
| Deerfield Beach | $233 |
| Delray Beach | $239 |
| Lake Worth | $239 |
| Tampa | $241 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $268 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Hialeah is among the most densely populated cities in Florida, with nearly 11,000 people per square mile.[5]
High-density cities tend to have more traffic, increasing the potential for accidents. More accidents lead to more insurance claims, which drive up the premiums for all drivers in the area.
Insurance fraud is prevalent in Hialeah and across southern Florida, according to the National Insurance Crime Bureau.[6] [7] High rates of fraud can increase the cost of auto coverage.
*Quotes generated for Insurify users in and around Hialeah, Florida within the last 10 days. Last updated on August 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Hialeah, Florida within the last 10 days. Last updated on August 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record is one of the primary factors auto insurance companies use to calculate your premiums. A clean record can help you get cheaper insurance rates. But speeding tickets, at-fault accidents, or driving under the influence (DUI) convictions can increase the amount you pay for coverage.
Here are some of the cheapest car insurance companies in Hialeah for drivers with different records.
Cheapest car insurance for Hialeah drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Hialeah: State Farm
Cheapest car insurance for Hialeah drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Hialeah: State Farm
In Hialeah, nearly 2% of drivers have a ticket, more than 3% have an at-fault accident, and fewer than 1% have a DUI, according to Insurify data.
The consequences of a DUI in Florida are serious and can include fines, imprisonment, vehicle impoundment, and license suspension. Injuring someone or causing property damage while driving under the influence is a first-degree misdemeanor. If you kill someone, it’s a second-degree felony.[8]
The following table shows average monthly quotes for drivers with different records in Hialeah.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $240 |
| Speeding ticket | $277 |
| At-fault accident | $302 |
| DUI | $310 |
Located in northwest Miami-Dade County, Hialeah has access to several major thoroughfares, including Interstate 75, Palmetto Expressway, Florida’s Turnpike, and U.S. 27 (Okeechobee Road).[9]
Okeechobee Road is a highly congested corridor, specifically from West Hialeah Gardens Boulevard to Southeast 4th Avenue. To address congestion in this area, the county is implementing traffic signal coordination and modernization projects, as well as widening the highway.[10]
Due to Hialeah’s low-lying geography, the area is susceptible to flooding from heavy rainfall, hurricanes, and tropical storms. The city has seen instances where flooding has trapped cars on the roadway. It’s best to avoid roadways when there’s a risk of flooding.
With such a dense population, car accidents are common in Hialeah. There were 56,049 crashes in Miami-Dade County in 2025, including 258 fatal crashes and 18,614 crashes with injuries.
Nearly 5% of drivers in Miami-Dade County don’t have car insurance, according to the FLHSMV. That’s slightly lower than the state average.[11] With a high number of hit-and-runs, Hialeah drivers should consider uninsured motorist coverage.
Most Hialeah drivers commute to work alone, while 13% carpool. The average travel time for Hialeah commuters is approximately 30 minutes, which is slightly higher than the state average.
Main roadways like Okeechobee Road have heavy traffic congestion, and Miami-Dade County is taking steps to address this issue. Congested roadways can lead to more accidents, which can increase car insurance rates.
Compare quotes from the city’s top insurers, starting at an average of $102 per month
State Farm offers the most affordable rates for teens in Hialeah, with average premiums of $188 per month.
Hialeah teens can apply for a learner’s license at age 15 and a driver’s license at 16. Florida drivers go through a graduated driver licensing (GDL) program that limits when and how teens can drive.[12]
The following table shows the cheapest auto insurance rates for teenage drivers in Hialeah.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $171 |
| Progressive | $184 |
| State Farm | $188 |
| GEICO | $198 |
| Mile Auto | $219 |
| Embark | $223 |
| Dairyland | $236 |
| GAINSCO | $254 |
| Mercury | $273 |
| The General | $279 |
| Direct Auto | $285 |
| Bristol West | $293 |
| Allstate | $294 |
| Root | $296 |
| Insurify Car | $321 |
| AssuranceAmerica | $350 |
| National General | $353 |
| Travelers | $419 |
| Hugo | $429 |
| Mendota | $475 |
| First Acceptance | $477 |
| Liberty Mutual | $490 |
State Farm is the cheapest insurer for senior drivers in Hialeah, with average rates of $82 per month.
Offering year-round warm weather and lower home prices than other cities in Miami-Dade County, Hialeah is a great place to retire. Seniors aged 60 and older make up 29% of the population.
The table below shows the cheapest rates for senior drivers in Hialeah.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $82 |
| Mile Auto | $89 |
| GEICO | $93 |
| Clearcover | $99 |
| Progressive | $100 |
| Embark | $121 |
| Dairyland | $124 |
| Mercury | $127 |
| Direct Auto | $128 |
| GAINSCO | $133 |
| The General | $141 |
| AssuranceAmerica | $141 |
| Bristol West | $148 |
| National General | $150 |
| Allstate | $159 |
| Travelers | $173 |
| Insurify Car | $174 |
| Root | $195 |
| Hugo | $232 |
| Liberty Mutual | $249 |
| Mendota | $257 |
| First Acceptance | $258 |
To help you find the best car insurance in Hialeah, check out answers to some of the most common questions from drivers.
Car insurance in Hialeah costs an average of $240 per month. Liability insurance costs an average of $193 per month, and full coverage averages $286. But how much you pay for coverage depends on several factors, like your ZIP code, age, and driving record.
State Farm has the cheapest car insurance in Hialeah, with average liability rates of $102 per month. But your car insurance costs can vary depending on several factors, including your location and the car you drive.
No, $200 isn’t expensive for car insurance in Hialeah. The average monthly cost of car insurance in the city is $240. Rates can vary based on factors such as your age, ZIP code, and the type of coverage you choose.
Hialeah has higher car insurance rates than other Florida cities for several reasons. High population density, severe weather risks, and insurance fraud all increase the cost of car insurance in the city.
Comparing quotes from multiple insurers is one of the easiest ways to lower your car insurance rates in Hialeah. Maintaining a clean driving record and checking for discounts can also help you reduce your insurance costs.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
