Car Insurance in Hialeah, FL: Cheapest to Insure for 2024

• Hialeah car insurance averages $2,724 per year, or $227 as a monthly expense.
• Auto insurance in Hialeah costs an average of $422 per year more than the Florida state average ($2,302) and $841 per year more than the United States national average ($1,883).
• Vehicles like the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, and Nissan Kicks are the top picks for having cheap car insurance in Hialeah.

What is the average cost of car insurance in Hialeah?

Hialeah car insurance costs an average of $2,724 per year, which is 36.5% more than the overall national average rate of $1,883. The average cost per month for car insurance in Hialeah is $227 for a full coverage policy.

In the state of Florida, the average car insurance expense is $2,302 per year, so the cost in Hialeah averages $422 more per year.

The cost to insure a car in Hialeah compared to other Florida cities is approximately $722 per year more expensive than in Jacksonville, $374 per year more expensive than in St. Petersburg, and $80 per year more than in Miami.

Driver age is probably the number one factor that determines the cost of car insurance. The list below details how driver age influences cost by breaking out average car insurance rates depending on driver age.

Average cost of car insurance in Hialeah, FL, by driver age

• 16-year-old driver – $9,704 per year or $809 per month
• 17-year-old driver – $9,402 per year or $784 per month
• 18-year-old driver – $8,426 per year or $702 per month
• 19-year-old driver – $7,673 per year or $639 per month
• 20-year-old driver – $5,480 per year or $457 per month
• 30-year-old driver – $2,910 per year or $243 per month
• 40-year-old driver – $2,724 per year or $227 per month
• 50-year-old driver – $2,416 per year or $201 per month
• 60-year-old driver – $2,264 per year or $189 per month

The chart below shows examples of average Hialeah car insurance cost broken out not only by driver age, but also for different driver risk profiles like high-risk drivers and safe drivers. Rates are averaged for all 2024 model year vehicles including luxury brands.

Average rates in the chart range from $2,264 per year for a middle-aged driver who checks all the boxes for policy discounts (like homeowner, multi-vehicle, good credit, claim free, etc.) to $6,264 per year for a 30-year-old driver who is required to buy high risk car insurance. The average rate we use for comparisons is the 40-year-old safe driver rate, which has an average cost of $2,724 per year.

As a monthly price, the average cost of auto insurance in Hialeah ranges from $189 to $522 for the same risk profiles and driver ages shown in the previous chart.

What are the cheapest cars to insure in Hialeah?

When comparing makes and models from all segments, the models with the best car insurance quotes in Hialeah, FL, tend to be crossovers and small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and even the Toyota Corolla Cross.

Average insurance quotes for those crossover SUVs cost $185 or less per month to have full coverage.

Some other vehicles that rank towards the top in our auto insurance price comparison are the Nissan Murano, Subaru Outback, Buick Envista, and Chevrolet Colorado.

The average insurance cost is somewhat higher for those models than the crossover SUVs that rank at the top, but they still have an average cost of $2,338 or less per year in Hialeah.

The next table lists the 40 models with the cheapest car insurance in Hialeah, ordered starting with the cheapest.

The table above groups vehicles from all different automotive segments, while the next sections break out rates for each segment.

When shopping for a new vehicle or just new car insurance, it’s smart to know which models are the most affordable to insure.

Cars with affordable insurance rates in Hialeah, FL

The cheapest non-luxury two and four door cars to insure in Hialeah are the Toyota GR Corolla at $2,370 per year, the Nissan Leaf at $2,388 per year, and the Honda Civic at $2,412 per year.

Rounding out the top 10 are models like the Honda Accord, Kia K5, Toyota Prius, and Chevrolet Malibu, with an average cost of $2,644 per year or less.

Some additional 2024 models on the list include the Toyota Crown, Nissan Versa, Volkswagen Arteon, Hyundai Sonata, and Mazda 3, which average between $2,644 and $2,818 per year for auto insurance.

On a monthly basis, full-coverage insurance on the non-luxury car segment for a safe driver will start around $198 per month, depending on the company and your Hialeah Zip Code.

The table below ranks the twenty cars with the most affordable car insurance in Hialeah, starting with the Toyota GR Corolla at $198 per month and ending with the Mazda 3 at $235 per month.

A few of the more popular non-luxury cars that were excluded from the top 20 list above include the Hyundai Elantra at an average of $2,962 per year, the Volkswagen Jetta costing an average of $2,758, the Tesla Model 3 costing an average of $3,202, and the Volkswagen GTI costing $2,688.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Florida.

Cheap SUVs to insure in Hialeah, FL

The three highest ranking SUVs with the lowest-cost auto insurance rates in Hialeah are the Subaru Crosstrek at $2,014 per year, the Chevrolet Trailblazer at $2,050 per year, and the Kia Soul at $2,130 per year.

Additional models that have cheaper rates include the Hyundai Venue, Toyota Corolla Cross, Ford Bronco Sport, and Buick Envision, with average annual insurance rates of $2,234 per year or less.

In the bottom half of the top 20, models like the Volkswagen Tiguan, Buick Envista, Buick Encore, Honda HR-V, Volkswagen Taos, and Subaru Outback average between $2,234 and $2,372 per year for auto insurance.

From a monthly standpoint, full-coverage insurance in the SUV class for a safe driver will start around $168 per month, depending on where you live and the company you use. The next table ranks the SUVs with the most affordable car insurance rates in Hialeah.

Some of the more popular SUVs with auto insurance rates higher than the top 20 models listed above include the Ford Explorer at an average of $2,474 per year ($206 per month), the Toyota 4Runner costing an average of $2,918 ($243 per month), and the Kia Sorento costing an average of $2,586 ($216 per month).

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV missing from the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Florida.

Cheap pickup trucks to insure in Hialeah, Florida

The three highest ranking pickups with the most affordable insurance rates in Hialeah are the Chevrolet Colorado at $2,332 per year, the Nissan Titan at $2,550 per year, and the Nissan Frontier at $2,576 per year.

Not the cheapest, but still in the top 10, are trucks like the Toyota Tacoma, GMC Sierra 2500 HD, Honda Ridgeline, and Hyundai Santa Cruz, with average cost of $2,804 per year or less.

From a cost per month standpoint, full-coverage auto insurance in Hialeah in the pickup segment starts at an average of $194 per month, depending on the company and where you live. The comparison table below ranks the pickups with the lowest-cost car insurance rates in Hialeah, starting with the Chevrolet Colorado at $2,332 per year ($194 per month) and ending with the Ram Truck at $3,148 per year ($262 per month).

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Is your pickup truck missing from the table above? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Hialeah car insurance quotes from the best companies in Florida.

Sports cars with cheap insurance rates in Hialeah

The top five models for the most affordable Hialeah auto insurance rates in the performance and sports car segment are the Ford Mustang, Mazda MX-5 Miata, BMW Z4, Toyota GR86, and Subaru WRX. Rates for these vehicles average $3,056 or less per year, or around $255 per month.

Other models that have affordable insurance rates are the Subaru BRZ, Toyota GR Supra, Lexus RC F, and Nissan Z, with average annual insurance rates of $3,258 per year or less.

Additional cars that make the list include the Lexus LC 500, Jaguar F-Type, Mercedes-Benz AMG GT53, Chevrolet Corvette, and Porsche Taycan, which average between $3,258 and $4,616 per year for auto insurance in Hialeah.

As a cost per month, full-coverage insurance in Hialeah on the sports car segment for a good driver starts at around $210 per month, depending on your exact address and insurer.

The rate comparison table below ranks the twenty sports cars with the lowest-cost auto insurance rates in Hialeah, starting with the Mazda MX-5 Miata at $2,524 per year ($210 per month) and ending with the Porsche Taycan at $4,616 per year ($385 per month).

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Hialeah.

Cheap luxury cars to insure in Hialeah

The top five models for the cheapest Hialeah car insurance rates in the luxury car segment are the Mercedes-Benz CLA250, BMW 330i, Acura TLX, Lexus IS 300, and Acura Integra. Auto insurance prices for these models average $235 or less per month.

Other models that have good average insurance rates include the Lexus ES 350, Genesis G70, Lexus RC 300, and Cadillac CT4, with average annual insurance rates of $2,866 per year or less.

From a monthly standpoint, auto insurance in this segment for an average middle-age driver starts at an average of $202 per month, depending on the company and your location.

The comparison table below ranks the luxury cars with the cheapest car insurance in Hialeah, starting with the Acura Integra at $2,426 per year and ending with the Audi S3 at $3,058 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see your luxury car in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Hialeah car insurance quotes from top companies in Florida.

Which luxury SUVs have cheap insurance in Hialeah?

The Acura RDX ranks at #1 for the most budget-friendly luxury SUV model to insure in Hialeah, followed closely by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model costs an average of $2,280 per year to insure for full coverage.

Other models that rank well are the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 450h, and Lincoln Corsair, with an average cost to insure of $2,628 per year or less.

On a monthly basis, full-coverage insurance on luxury SUVs for a middle-age safe driver starts at an average of $190 per month, depending on where you live and the company you use. The next table ranks the twenty SUVs with the most affordable auto insurance rates in Hialeah, starting with the Acura RDX at $190 per month and ending with the Lexus NX 350 at $228 per month.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Hialeah car insurance quotes from top car insurance companies in Florida.

Why it is important to compare car insurance quotes

To demonstrate how much rates can vary (and also point out the importance of getting price quotes from multiple companies), the sections below show a wide range of rates for five popular models in Hialeah: the Ram Truck, Nissan Sentra, Kia Sorento, Toyota Camry, and Ford Mustang.

The example for each vehicle shows average rates for different profiles to illustrate the cost difference with only small changes in driver profile or coverage limits.

Ram 1500 insurance rates

Costing from $43,270 to $109,435, average Hialeah insurance rates on a Ram 1500 pickup cost from $2,786 per year on the 1500 Tradesman Crew Cab 4WD model up to $3,448 per year for the 1500 TRX Final Edition 4WD.

From a cost per month standpoint, car insurance for a Ram 1500 for a good driver can cost from $232 to $287 per month, depending on exactly where you live in Hialeah.

The rate chart below shows how insurance rates for a Ram 1500 pickup can be significantly different based on driver age, policy deductibles, and risk profiles.

For this example, rates range from $2,612 to $7,258 per year, which is a cost difference of $4,646.

The Ram Truck is a full-size truck, and other popular models in the same segment include the Ford F150, Toyota Tundra, GMC Sierra, and Chevrolet Silverado.

Nissan Sentra insurance rates

The least-expensive 2024 Nissan Sentra trim version to insure in Hialeah is the S model, costing an average of $2,442 per year, or about $204 per month. This model has a retail price of $20,630.

The most expensive 2022 Nissan Sentra trim to insure in Hialeah is the SR, costing an average of $2,566 per year, or about $214 per month. The retail price for this trim level is $23,720, before documentation and destination fees.

When Hialeah car insurance quotes for a Nissan Sentra are compared to the average cost for the entire U.S. on the same vehicle, rates are $742 to $780 more per year in Hialeah, depending on the trim being insured.

The next chart can help explain how insurance rates on a Nissan Sentra can be significantly different for a variety of different driver ages, deductibles, and risk profiles. In this example, rates range from $2,074 to $5,674 per year, which is a difference of $3,600 for insurance on the same vehicle with different rated drivers.

The Nissan Sentra is classified as a compact car, and additional similar models include the Toyota Corolla, Volkswagen Jetta, and Hyundai Elantra.

Kia Sorento insurance rates

Kia Sorento insurance in Hialeah averages $2,586 per year, ranging from $2,368 per year on the Sorento LX trim level (MSRP of $32,000) up to $2,782 per year for the Sorento SX Prestige Plug-in Hybrid trim (MSRP of $52,000).

When Hialeah car insurance rates for the Kia Sorento are compared with the national average cost on the same vehicle, the cost is anywhere from $720 to $848 more expensive per year in Hialeah, depending on the trim being insured.

From a cost per month standpoint, car insurance quotes for the Kia Sorento for the average driver can range from $197 to $232 per month, depending on the insurance company you choose in Hialeah.

The next chart shows how insurance rates for a Kia Sorento can be very different for a number of different driver ages, policy deductibles, and policy risk factors.

For our example risk profiles, the cost ranges from $2,146 to $5,936 per year, which is a difference in cost of $3,790 to insure the same vehicle with different rated drivers.

The Kia Sorento is part of the midsize SUV segment, and additional models from the same segment that are popular in Hialeah include the Jeep Grand Cherokee, Ford Explorer, and Toyota Highlander.

Toyota Camry insurance rates

With prices ranging from $26,420 to $33,120, average Hialeah car insurance quotes on a 2024 Toyota Camry cost from $2,696 per year for the Camry LE model up to $3,078 per year for the Camry XSE AWD model.

When Hialeah car insurance rates on a Toyota Camry are compared to the cost averaged for the entire U.S. for the same model, the cost is $820 to $934 more per year in Hialeah, depending on the specific model being insured.

The chart displayed below illustrates how insurance rates for a Toyota Camry can change based on changes in the age of the driver, deductibles, and risk profiles. For our example, prices range from $2,434 to $6,730 per year, which is a difference in cost of $4,296 caused by changes in driver risk.

The Toyota Camry belongs to the midsize car segment, and additional similar models include the Honda Accord, Kia K5, Nissan Altima, and Hyundai Sonata.

Ford Mustang insurance rates

The lowest-cost 2024 Ford Mustang trim model to insure in Hialeah is the Ecoboost Fastback model, costing an average of $2,566 per year, or about $214 per month. This trim level stickers at $30,920.

The most expensive 2022 Ford Mustang model to insure in Hialeah is the Dark Horse Premium, costing an average of $3,268 per year, or around $272 per month. The sticker price for this trim level is $63,265, not including documentation and destination fees.

The chart below should aid in understanding how the cost of insurance for a Ford Mustang can be quite different based on a variety of different driver ages, policy deductibles, and potential risk scenarios. In this example, cost ranges from $2,482 to $6,854 per year, which is a difference in cost of $4,372 for the same vehicle.

The Ford Mustang is part of the sports car segment, and other models popular in Hialeah include the Subaru BRZ, Toyota Supra, and Nissan 370Z.

Best practices for saving money on auto insurance

Hialeah drivers are often looking to cut the monthly cost of car insurance, so browse the savings concepts in the list below and it’s very possible you can save some money on your next policy.

• Driving violations increase insurance rates. In order to get cheap auto insurance in Hialeah, it’s necessary to avoid traffic citations. Just a couple of minor infractions on your driving record have the consequences of increasing insurance rates as much as $724 per year. Major misdemeanor violations like driving under the influence could raise rates by an additional $2,534 or more.
• Remain claim free and save. Insurance companies offer discounts for not having any claims. Car insurance is intended to be used to protect you from significant claims, not for minor claims.
• Get a discount from your job. The large majority of car insurance companies offer discounts for having a job in professions like firefighters, doctors, dentists, police officers and law enforcement, high school and elementary teachers, and others. If your occupation qualifies you for this discount, you could save between $82 and $265 on your yearly auto insurance bill, subject to the policy coverages selected.
• Policy discounts mean cheaper auto insurance. Savings may be available if the insureds belong to certain professional organizations, insure their home and car with the same company, sign their policy early, choose electronic billing, drive a vehicle with safety or anti-theft features, or many other discounts which could save the average Hialeah driver as much as $460 per year on the cost of auto insurance
• Fewer accidents means cheaper auto insurance rates. Causing frequent accidents will increase insurance cost, possibly as much as $1,316 per year for a 30-year-old driver and even as much as $826 per year for a 50-year-old driver. So drive safe and save money!
• Raise your credit score for cheaper rates. Drivers who have credit scores over 800 could save around $428 per year over a credit rating of 670-739. Conversely, a below average credit rating could cost up to $496 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Buy vehicles with low cost auto insurance rates. The vehicle you choose to drive is one of the biggest factors in the price you pay for auto insurance. For example, a Kia Sportage costs $1,434 less per year to insure in Hialeah than a Dodge Challenger. Lower performance vehicles cost less to insure.