Hialeah Car Insurance

Everything You Need to Know About Car Insurance in Hialeah, FL

Hialeah, FL is the sixth largest city in the state and is located on the outskirts of the even bigger city of Miami. This means that a great number of drivers can be found on this city’s streets at any given time – particularly along East Okeechobee Road and Florida state roads 826 and 924. This increase in traffic and congestion can increase your risk of being in a motor vehicle collision. Of course, accidents can happen anywhere for any number of reasons. That is why it is to your benefit to have a suitable Hialeah auto insurance policy to fall back on.

Car insurance is required of vehicles owners in Hialeah, but paying too much for it is not. A local independent agent in the Trusted Choice® network can help you find the right policy to meet your coverage and budgetary needs. These agents can gather a selection of affordable Hialeah car insurance policies from competing providers so that you can compare them and choose the one that offers the best value for your dollar. Find an agent near you to learn more.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • 5th most expensive auto premium in U.S.

The bad news for those who are looking to buy a Hialeah car insurance policy is that the average cost of car insurance in Florida greatly exceeds the national average. This is due in large part to the high number of collisions that occur in this state. Of course, you can expect your actual rates to differ from the numbers shown above because they are calculated based on a variety of different factors. These include such things as the following:

  • Your ZIP code
  • The place where you park your car (garage, street, carport, etc.)
  • The make, model and year of the car(s) you are insuring
  • Your claims history and, in some cases, your credit score
  • The age, sex, marital status and driving records of the licensed drivers in your household
  • The amount of liability coverage you are purchasing
  • The coverage options you wish to include with your policy
  • The amount of your deductible
  • Your eligibility for any policy discounts

Because so many different variables go into calculating your Hialeah auto insurance rates, you are likely to be quoted a different amount by every insurance company you contact. That is why comparison shopping is a great way to find the best price for your coverage.

Florida Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 10/20/10: Coverage up to $20,000 for all persons injured in an accident, subject to a limit of $10,000 for one individual, and $10,000 coverage for property damage

Drivers who have been convicted of a DUI are assessed much higher liability minimum requirements of 100/300/50; and motorists with certain other driving violations also have minimum requirements that are greater than the requirements listed above.

Driving without insurance that meets the state-mandated requirements is illegal and can result in the suspension of your plates, registration and driver’s license until you can provide proof of insurance. You may also be required to pay a fine of between $150 and $500.

Florida has some of the lowest minimum coverage requirements in the country, which helps to keep costs manageable. However, if you are responsible for a major collision that results in significant injuries, you could easily be responsible for damage that greatly exceed these low minimum coverage amounts. For that reason, it is a very good idea to purchase higher levels of liability coverage so that you can best protect your personal assets.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

Though it is illegal, Florida has the second highest rate of uninsured driving in the county. When nearly one in four drivers on the road with you is operating a vehicle without insurance coverage, this puts your finances at risk. This is because if you are involved in a collision that is caused by an uninsured driver, that driver is required to cover your property damage and medical treatment costs. Unfortunately, this money can be difficult, if not impossible, to collect – particularly if the offending driver simply hasn’t got any assets to go after. In this case, you have to cover the costs out of your own pocket.

Unless, that is, you have added uninsured motorist coverage to your Hialeah auto insurance policy. In that case, your insurance company covers your costs upfront and then goes after the uninsured driver on its own behalf. This coverage also compensates you for losses related to collisions with hit-and-run drivers.

Number of Auto Thefts in Florida

  • National number of thefts per 1,000 vehicles: 2.94
  • Florida number of thefts per 1,000 vehicles: 2.48

The rate of car theft in Florida is lower than the national average; but the risk is slightly higher in Hialeah. In 2013, there were 708 car thefts reported in this city. That equates to about 3.02 thefts per 1,000 vehicles. It is worth noting, however, that the rate of car theft has been steadily dropping in this city since 2002, when the rate was as high as 11.06 theft per 1,000 vehicles.

If your car is stolen, you can only collect compensation for your loss if your Hialeah car insurance policy includes comprehensive (“other than collision”) insurance. This insurance also provides coverage if your vehicle is damaged by other noncollision events, such as falling objects, property crimes, fires and floods.

Find a Great Hialeah Car Insurance Policy

When you are shopping for a Hialeah auto insurance policy, you will want to be sure that you are purchasing your coverage from a trustworthy insurance company and that you are getting it at a reasonable rate. Comparison shopping can help you find the most affordable policy, but many find it to be time-consuming and somewhat inconvenient when they do it on their own.

That is why it is beneficial to enlist the help of a local independent agent in the Trusted Choice network. These agents make shopping for the best policy easy. They can work with a number of dependable and competing insurance companies to quickly gather a variety of customized Hialeah auto insurance quotes for you to compare. Find a Trusted Choice Agent near you to get started.

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