Find Car Insurance in Hialeah, Florida

What You Should Know About Car Insurance in Hialeah, FL

The original inhabitants of Hialeah, located in Miami-Dade County in southeast Florida, included the Tequesta and Seminole Indians. In 1921, the city’s two founders platted subdivisions, and another developer brought a dog and horse racetrack to the area to attract new residents. This former swampland, established as Hialeah — a Native American term meaning high prairie — may look small on a map, but it is the sixth-largest municipality in Florida.

Life in Hialeah offers many opportunities — Florida National University provides higher education. The Parks and Recreation Department staffs 15 parks, including seven pools and two tennis courts, as well as a theater and sports leagues. There are also annual city-sponsored community activities, such as the Art on Palm Festival and multiple holiday festivities. The city is minutes from Opa-Locka and Miami International Airports. And the Everglades National Park is a short drive away — just about 15 miles southwest of town. Hialeah’s economy is strong with abundant employment opportunities.

If you are one of the 224,000 Hialeah residents who drive, you will need the best car insurance in Florida. Friendly agents are ready to provide you with expert concierge service to find customized coverage options that deliver significant cost savings.

How Much Does Car Insurance Cost in Hialeah, Florida?

Drivers pay an average of $3,183 for full coverage car insurance in Florida and $1,128 for liability coverage. These numbers are much higher than the national averages of around $1,771 for full and $565 for minimum coverage.

Why Is Insurance So Expensive in Florida?

Health care costs are high in Florida, and insurers must pay personal injury protection claims regardless of who caused an accident due to Florida’s no-fault insurance. In addition, research shows that since the mid-1800s, every bit of Florida coastline has been hit by a hurricane.

These extreme weather events cause accidents and damage vehicles through wind and water. Even if you live in an area unaffected by hurricanes or one with lower accident rates, Florida’s high overall number of claims impacts insurance rates statewide.

Affordable Car Insurance Rates Comparison by Cities in Florida

The amount you pay for coverage depends, in part, on your Florida zip code. The chart below gives an idea of the difference in premiums in a handful of Florida cities:

City	Full Coverage Insurance	Liability Insurance Coverage
Hialeah	$317	$123
Jacksonville	$219	$74
Tampa	$313	$116
Orlando	$236	$87
Miami	$289	$104

How Bundling Your Car and Homeowners Insurance Can Save You Money in Hialeah

If you need homeowners insurance for your Hialeah home in the Palm Springs neighborhood or renters coverage for your rental in the Amelia District, along with your car insurance, ask your agent about bundling. This term means you can buy both policies from one insurer. To thank you for your loyalty, insurers offer a discount reward — up to 25% off your policies.

But bundling saves you more than just money — it also saves you the time you would otherwise spend shopping around for another insurer, and the time you would otherwise spend managing one set of paperwork and paying one bill. More time saved.

Bundling is not limited to these policies, though. You can also bundle other coverage, such as RV, boat, life, and motorcycle insurance. Your agent is happy to provide you with a one-stop shop to find the best coverage options personalized for your specific needs.

What Types of Car Insurance Discounts Are Available in Hialeah?

Bundling is just one way to earn a reduction on your policy. Other available discounts that can help you save money include:

• Military: If you are serving in the military, you may be eligible for a discount.
• Pay in full: If you pay your premium in full, you may qualify for a discount.
• Mileage: If you drive only a few miles each year, you may qualify for a discount.
• Occupation: Some insurers offer discounts to those working in certain professions, such as the teaching field.
• New car: The age of your vehicle can affect how much you pay.

Notable Car Insurance Laws in Hialeah

As a Florida driver, you must carry insurance mandated by the state to register your vehicle. Florida’s no-fault state policy means that, regardless of fault, you are responsible for covering your own medical expenses caused by an accident.

What Are the Mandatory Car Insurance Requirements in Hialeah?

Florida insurance requirements necessitate that you, as a state driver, show proof of auto coverage issued by an insurer licensed to sell policies in Florida before you can register a vehicle with at least four wheels. Coverage is also required on non-operational vehicles. You must also surrender the license plate before canceling your coverage.

Here are the insurance requirements:

• Personal injury protection (80% coverage of medical expenses regardless of fault): $10,000
• Property damage liability: $10,000

Here are the Florida requirements if you register your vehicle as a taxi:

• Bodily injury liability per person: $125,000
• Bodily injury liability per occurrence: $250,000
• Property damage liability: $50,000

While personal injury protection pays for your own medical bills, the required property damage liability covers damage you cause to another person’s property in an accident that is your fault (up to your policy limits).

What Is the Penalty for Driving Without Insurance in Hialeah?

If you drive without insurance, you take a significant risk — failing to follow the Florida law requiring auto coverage means you may face the following penalties:

• Suspended license
• Suspended registration/license plate
• Fees (up to $500)

What Factors Go Into My Car Insurance Cost in Hialeah?

Insurers base your premium on your unique circumstances. This means premiums can vary from person to person, even within a zip code. Here are some factors Florida permits insurance companies to use to figure out premiums:

• Marital status
• Claims history
• Your age
• Your car’s age, make, and model
• Credit history

If you would like to understand insurance terminology better, you can visit the auto insurance glossary. Your friendly agent would also be happy to explain any confusing terminology, shop around, and present you with your choice of high-quality options at competitive rates.

Typical Driving Conditions in Hialeah

The Roadway Division under the Hialeah Streets Department oversees, maintains, and repairs the city’s 427 miles of public streets. Streets are in good condition with clear signage in most areas and little sign of cracked asphalt. Drivers experience significant congestion in the city, especially along Red Road (West 4th Avenue) and West 49th Street. Side-impact vehicle crashes and pedestrian accidents are common at this intersection.

How Many Car Accidents Happen in Hialeah Per Year?

According to the National Highway Traffic Safety Administration, there were 3,183 fatal accidents in Florida in 2023. You can see a breakdown of deadly accidents in some Florida cities in the following chart:

City	Annual Average Number of Fatal Car Crashes
Hialeah	22
Jacksonville	151
Tampa	49
Orlando	39
Miami	67

How Many Uninsured/Underinsured Motorists Are in Hialeah?

Almost 21% of Florida drivers were uninsured in 2023. That number is around one in five drivers, which means you put yourself at increased risk of injury every time you drive. One way to provide yourself with added protection is by purchasing uninsured/underinsured motorist coverage.