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Cheapest Car Insurance Rates in Hialeah, florida

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Driving Conditions in Hialeah, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

135Rainy Days a Year
65 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Hialeah, florida Car Insurance Rates by Provider

There are many car insurance providers in Hialeah, Florida to choose from, so it is best to compare rates and coverage options to find the best policy for you. Some of the top providers in the area include Geico, Progressive, State Farm, Allstate, and USAA. Each company offers a variety of discounts and coverage options, so it's important to compare the rates and coverage to find the best fit for your needs. White Chip Insurance has established relationships with all these carriers so we can ensure you will receive the cheapest car insurance rate.

ProviderAverage Annual Rate
State Farm$3,344

Hialeah, florida Car Insurance Rates by Age

Car insurance rates in Hialeah, Florida vary depending on the age of the driver. Generally, younger drivers pay higher rates than older drivers because insurance companies use age as a risk factor when determining premiums. White Chip Insurance is dedicated to offering the cheapest car insurance rates to drivers of all ages. The following is a list of average car insurance rates in Hialeah, Florida, by age range:

AgeAverage Annual Rate

Hialeah, florida Car Insurance Rates by Gender and Marital Status

In Hialeah, Florida, car insurance rates do not typically differ based on gender. This is because car insurance companies cannot use gender as a factor in their pricing models. Some states have laws that prohibit insurers from using gender as a factor when setting rates. In Hialeah, Florida, female drivers pay slightly more than male drivers on average. Marital status can affect car insurance rates. Married couples generally pay less for car insurance than single drivers because they are seen as more responsible and less likely to take risks behind the wheel. In Hialeah, Florida, divorced or widowed drivers can expect to pay slightly higher rates than single or married drivers.

Gender and Marital StatusAverage Annual Rate

Hialeah, florida Car Insurance Rates by Driving Record

Car insurance rates are determined by many factors including the driver’s driving record. A driver with a clean driving record is likely to have lower car insurance premiums than someone with a poor driving record. Insurers may also offer discounts for drivers with clean records or reward them with lower rates. Conversely, drivers with a poor driving record may be charged higher rates or be required to pay higher deductibles. Drivers who have had a DUI conviction or multiple traffic violations may be charged significantly higher rates. In Hialeah, Florida, the average car insurance rate for a driver with a clean record is $2,307 per year, while the average rate for a driver with a poor record is $4,769 per year.

Driving RecordAverage Annual Rate
Reckless Driving$4,769
At-fault Accident (damages less than $1,000)$4,438
At-fault Accident (damages greater than $2,000)$4,438
Speeding Ticket (16-20mph over speed limit)$4,004

Hialeah, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Credit ScoreAverage Annual Rate
300 - 570$6,575
580 - 669$3,963
670 - 739$3,179
740 - 799$2,860
800 - 850$2,504

Cheapest Area Codes in Hialeah, florida

Some zip codes in Hialeah, Florida are more expensive due to their proximity to desirable areas with better job prospects, educational opportunities, and access to amenities such as shopping, dining, and entertainment. Other factors that can contribute to higher prices in certain areas include the quality of schools and the safety of the neighborhood. The most expensive zip code in Hialeah, Florida is 33010, with an average home value of $489,000. The least expensive zip code in Hialeah, Florida is 33015, with an average home value of $377,000.

Most Expensive Hialeah, florida ZIP Codes

33002, 33017, 33166, 33015, 33018

Least Expensive Hialeah, florida ZIP Codes

33012, 33142, 33147, 33013, 33010

Local Amenities in Hialeah, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Hialeah, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

The average cost of car insurance in Florida is $1,939 per year, according to the Insurance Information Institute. The most expensive car insurance by city in Florida is Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Hialeah is $3,179.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state has a high risk of natural disasters, such as hurricanes and floods, and a high rate of car theft. Additionally, Florida is a no-fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. This leads to an increase in the cost of insurance in Florida.

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How much is car insurance near Hialeah, FL?
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Cape CoralPembroke PinesPort St. Lucie
Miami GardensGainesvilleCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates