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.
While Hialeah drivers are making progress, car insurance rates have yet to catch up. Hialeah’s average car insurance cost is $1,606 per annum for minimum vehicle coverage and $3,405 to cover 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. Start with the lowest-priced insurance companies in Hialeah to save money. 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.
Hialeah’s best car insurance company
The following carriers have the cheapest car insurance rates but also provide a higher than average level of service. J.D. To gauge customer satisfaction, we used J.D. Power’s car insurance survey. According to policyholders, the organization offers annual analyses on how major carriers rate in relation to communication, claims and coverage options.
Geico is the best car insurance company in Hialeah because of the many discounts it offers its customers. Geico works with larger companies to offer discounts and affiliation pricing on car insurance. 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 average car insurance rates for Hialeah drivers is the lowest for minimal coverage. Full coverage, however, is more expensive. 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. The app allows you to snap photos and have them automatically sent to the adjuster. This makes your claim process much easier. Drivewise is also included in the app. This allows you to track your driving and receive discounts on your premiums if you drive safely.
J.D. tops State Farm Power’s insurance study in 2021 gave State Farm a score 848. Floridians were most satisfied with the level of service provided by their car insurance company and the claims process. State Farm rates are significantly 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. The price difference may be made by knowing that you can rely on a local advocate to help with claims or other insurance-related matters.
There are several ways that Dade County residents can save with Progressive. 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. Progressive can provide you with quotes from multiple carriers so that you can compare them all.
Hialeah has the lowest car insurance
The following list contains the most expensive insurance companies. Average car insurance rates in Hialeah is higher than Florida’s overall. Florida’s average car insurance cost is $2,364, while Hialeah’s average is $3,405.
Geico is the only insurance company that charges rates that are in line with the state’s average. Hialeah’s full-car insurance is more expensive than the rates charged by other insurance companies. Allstate and State Farm are local insurance companies with agents and offices in Hialeah. Geico, MetLife, and Progressive service policyholders online and over the phone. However, all three have strong websites and mobile apps that make managing your policy easy.
Insurance requirements for Hialeah
Hialeah’s car insurance requirements are different from the liability-only requirements most states have. These are the things you will need:
- Personal Injury Protection (PIP), minimum $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. You will not have any financial recourse if you are involved in an accident with someone who doesn’t have insurance, even if they are the cause.
Hialeah car insurance discount
Many Hialeah car insurers offer discounts to existing and new policyholders. There may be multiple discounts available, which could save you significant money on your car insurance. Talk to your carrier about the following:
- Autopay: By setting up automatic payments, you can reduce the chance of forgetting to pay your bill or losing coverage. Many companies will offer a small discount if you autopay your vehicle insuring bill.
- Avoiding tickets and accidents is one of the best ways to reduce your rates. You may be eligible for a discount if you have been accident- and claim-free for several consecutive years.
- Bundling: If you buy coverage for multiple vehicles or for your home and car, you may be eligible for bundling discounts. Most cases, the rate cut applies to all policies.
- Switching insurance companies: You may be eligible for a discount for new customers. Although the discount is only valid for the first year, it can save you money over time.
Questions frequently asked
Which is the best auto insurance company?
There are a few carriers that could rank as the best car insurance companies. Geico is the top-rated carrier in Hialeah (Florida) for lowest rates. State Farm is the best in Florida for customer satisfaction. The best car insurance company will depend on your personal rating, as well the type of coverage you need and the discounts you are looking for.
What is the cost of car insurance in Hialeah?
Hialeah has one of the highest car insurance rates in the state for full coverage. Hialeah’s average car insurance cost is $1,606 annually for minimum coverage and $3,405 per year for full coverage.