Cheapest Car Insurance Quotes in Hialeah Gardens

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Hialeah Gardens Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Hialeah Gardens

The car insurance rate in Hialeah Gardens is $2241 for a six-month policy, which is $640 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1431, making it a popular choice for budget-conscious drivers. Rates in Hialeah Gardens can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Hialeah Gardens

$2241

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Hialeah Gardens

1st place: Travelers

At $1431 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1522 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1771 for six months, making it the third cheapest auto insurance company in Hialeah Gardens.

Hialeah Gardens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hialeah Gardens, FL is Travelers, offering policies at just $1431 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1522.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1338 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hialeah Gardens drivers find the best deals.

Cheap Car Insurance Companies in Hialeah Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1431	$241
State Farm	$1522	$256
Nationwide	$1771	$298
United Automobile Ins Group	$1912	$319
Progressive	$1996	$336
UAIC	$1996	$333
MetLife	$2104	$358
Farmers	$3343	$557
Mercury	$3609	$613
Allstate	$3634	$612
Metropolitan Group	$1338	$223

Key Takeaways

Way's key takeaways about car insurance in Hialeah Gardens

The auto insurance costs in Hialeah Gardens fall around $1431 for six months.
The cheapest auto insurance company in Hialeah Gardens is Patrons Insurance.
Teen drivers pay the highest rate in Hialeah Gardens at $1933 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hialeah Gardens

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Hialeah Gardens are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Hialeah Gardens. Their Average 6 Month Premium is $175. Metropolitan Group is the most expensive at $532 for the same period.

Cheapest Liability Coverage in Hialeah Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$175	$29
Travelers	$532	$90
State Farm	$566	$95
Mercury	$599	$101
Nationwide	$665	$113
Farmers	$923	$154
AIG	$939	$160
Progressive	$981	$165
United Automobile Ins Group	$1007	$171
UAIC	$1089	$182
Allstate	$1256	$211
Metropolitan Group	$532	$88

Cheapest Full Coverage Car Insurance in Hialeah Gardens

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Hialeah Gardens is Travelers at $241 per month and $1431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hialeah Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1431	$241
State Farm	$1522	$256
Nationwide	$1771	$298
United Automobile Ins Group	$1912	$319
Progressive	$1996	$336
UAIC	$1996	$333
MetLife	$2104	$358
Farmers	$3343	$557
Mercury	$3609	$613
Allstate	$3634	$612
Metropolitan Group	$1338	$223

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Average Car Insurance in Hialeah Gardens by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Hialeah Gardens, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Hialeah Gardens, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Hialeah Gardens's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hialeah Gardens

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1816
40s	Travelers	$1371
50s	Travelers	$1278
60s	Travelers	$1260

Cheapest Car Insurance Rates for Teen Drivers in Hialeah Gardens,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Hialeah Gardens at $126 per month. At $11368 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$757	$126
AIG	$1023	$174
Travelers	$2320	$391
State Farm	$3052	$514
UAIC	$4540	$757
United Automobile Ins Group	$4715	$802
Allstate	$7151	$1204
Mercury	$8865	$1492
Progressive	$9472	$1595
Farmers	$11368	$1933

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Hialeah Gardens.

As young drivers face the highest rates in Hialeah Gardens, Travelers offers the cheapest auto insurance rates at $1816 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Hialeah Gardens, Nationwide is the cheapest car insurance provider. At $906 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Hialeah Gardens is Allstate, offering rates of around $7269 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$906	$154
Mercury	$990	$165
Direct General Insurance	$1032	$175
Travelers	$1963	$330
UAIC	$1996	$339
Progressive	$3858	$643
Farmers	$4624	$787
State Farm	$6927	$1155
Allstate	$7269	$1236

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Hialeah Gardens.

Car Insurance Rates with An Accident in Hialeah Gardens

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Hialeah Gardens, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hialeah Gardens

The cheapest car insurance companies after an at-fault accident in Hialeah Gardens include Nationwide and AIG, offering $956 and $1222, respectively. National General is an expensive provider with an average six-month premium of $1480.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$956	$160
AIG	$1222	$207
Travelers	$1380	$232
State Farm	$1422	$239
United Automobile Ins Group	$2486	$414
Mercury	$2569	$433
UAIC	$2603	$434
Progressive	$3409	$574
Farmers	$4665	$777
Allstate	$6311	$1063
National General	$1480	$252

Hialeah Gardens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hialeah Gardens FL. For example, the car insurance in Hialeah Gardens after a DUI increases to $1313 for a six month policy. While the rate increases by $399 for a six-month policy in the case of a speeding ticket.

Hialeah Gardens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2554	$426
One Med/PIP claim	$2554	$434
Not-at-fault accident	$2761	$461
Two Med/PIP claims	$2836	$482
One comp claim	$2877	$480
Child safety restraint	$2885	$490
Failure to wear a seat belt	$2885	$482
Driving without lights	$2894	$491
Failure to show documents	$2894	$483
Speeding 6 - 10 MPH over limit	$2953	$503
Improper passing	$2961	$493
Passing school bus	$2961	$504
Wrong way/wrong lane	$2961	$493
Failure to stop at a red light	$2969	$505
Failure to yield	$2969	$494
Illegal turn	$2969	$505
Cell phone violation	$2978	$496
Driving with expired registration	$2978	$507
Following too closely	$2978	$496
Texting while driving	$2985	$508
Two comp claims	$3052	$508
Driving too slowly	$3069	$522
Speeding in school zone	$3069	$511
Speeding 11 - 15 MPH over limit	$3077	$524
In 65 MPH zone	$3185	$531
Speeding 16 - 20 MPH over limit	$3185	$542
Speeding 21 - 25 MPH over limit	$3202	$533
Open container	$3235	$550
Operating a vehicle without permission	$3235	$539
At-fault accident - less than $1000	$3510	$596
At-fault accident - $1000-$2000	$3567	$595
At-fault accident - greater than $2000	$3567	$606
Racing	$3858	$643
DUI	$3867	$658
Refusal to submit to a chemical test	$3867	$644
Driving with a suspended license	$3934	$669
Reckless driving	$4017	$669
Leaving scene of an accident/hit and run	$4059	$690

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Hialeah Gardens after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Hialeah Gardens.

The cheapest car insurance premiums in Hialeah Gardens are offered by AIG at $899 for a six-month policy. However, it can be as expensive as $1114 with companies like National General.

Hialeah Gardens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$899	$150
Travelers	$1431	$241
State Farm	$1737	$293
Progressive	$1754	$295
Allstate	$3193	$538
UAIC	$3518	$598
Farmers	$3801	$633
National General	$1114	$186

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Hialeah Gardens are offered by Nationwide at $781. However, it can be as expensive as $4059 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hialeah Gardens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$781	$133
State Farm	$1007	$169
Travelers	$1205	$203
UAIC	$1996	$333
Allstate	$2288	$385
Progressive	$3301	$550
Farmers	$4059	$690

Car Insurance Price Trends in Hialeah Gardens, Florida

Car insurance rates in Hialeah Gardens have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Hialeah Gardens remained steady at $386 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hialeah Gardens remained steady at $118 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Hialeah Gardens?

The car insurance in Hialeah Gardens is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Hialeah Gardens?

The cheapest car insurance in Hialeah Gardens is $241 per month for full coverage.

How much is car insurance in Hialeah Gardens for teenagers?

Car insurance for teenagers costs $757 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Hialeah Gardens?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $377 per month to insure your car in Hialeah Gardens.

Is car insurance expensive in Hialeah Gardens?

Car insurance can be expensive in Hialeah Gardens if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hialeah Gardens can be affordable.

Cheapest Car Insurance Quotes in Hialeah Gardens

Why you can trust Way?

How Much Is Car Insurance in Hialeah Gardens

Avg. Car Insurance in Hialeah Gardens

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Hialeah Gardens

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Hialeah Gardens Car Insurance Rates by Company

Cheap Car Insurance Companies in Hialeah Gardens, FL

Way's key takeaways about car insurance in Hialeah Gardens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hialeah Gardens

Cheapest Liability Coverage in Hialeah Gardens, FL

Cheapest Full Coverage Car Insurance in Hialeah Gardens

Cheapest Full Coverage Car Insurance Quotes in Hialeah Gardens, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hialeah Gardens by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Hialeah Gardens, FL increasing?

Car Insurance Premiums by Age in Hialeah Gardens

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hialeah Gardens,FL

If you are in your twenties Travelers is the best choice for car insurance in Hialeah Gardens.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Hialeah Gardens

Cheapest Car Insurance Companies after an At-Fault Accident in Hialeah Gardens

Hialeah Gardens Car Insurance Rates by Violation

Hialeah Gardens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hialeah Gardens after a DUI

Hialeah Gardens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hialeah Gardens after Speeding ticket

Car Insurance Price Trends in Hialeah Gardens, Florida

Average Car Insurance Cost in Hialeah Gardens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hialeah Gardens, FL

Car Insurance Rates by State in the USA (2025 Update)

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