For a 40-year-old driver with a clean record, Hialeah car insurance averages about $426 a month ($5,114 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 29% above the Florida average of $331 a month. GEICO has the lowest full-coverage average of the four insurers we price, at about $260 a month.
Hialeah is the second-most expensive of our 26 Florida city guides, after West Palm Beach, and it costs about $21 a month more than neighboring Miami for our benchmark driver. Compare it with the rest of the state on our Florida car insurance rates page.
We price seven ZIP codes with a Hialeah mailing address, from about $417 a month in 33014 to $447 in 33013.
Cost data comes from the auto rates insurers file with state regulators, priced across all seven Hialeah ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
Car insurance rates in Hialeah average about $426 a month ($5,114 a year) for full coverage and $163 for liability-only coverage at 15/30/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 29% above the Florida average of $331 a month.
The best full-coverage rates in our Hialeah data come from GEICO: for our benchmark driver, it averages about $260 a month, about $45 less than Travelers, the next lowest among the insurers we rank. Your record and car can change the order, so compare quotes for your own.
GEICO has the lowest full-coverage average among the four insurers in our Hialeah rate data. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. For liability-only coverage at 15/30/10 limits, averages run from about $86 to $274 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Hialeah
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $1,035 | $86 | $3,125 | $260 |
| Travelers | $1,635 | $136 | $3,658 | $305 |
| Allstate | $1,864 | $155 | $5,374 | $448 |
| Progressive | $3,285 | $274 | $8,299 | $692 |
| State Farm (Nov. 2025 rates)* | $2,110 | $176 | $4,161 | $347 |
| United Automobile Insurance* | $2,639 | $220 | $3,613 | $301 |
| Nationwide* | $2,125 | $177 | $4,200 | $350 |
| Mercury Insurance* | $1,464 | $122 | $4,660 | $388 |
| Farmers* | $1,963 | $164 | $5,983 | $499 |
| National General* | $2,240 | $187 | $6,298 | $525 |
| Hialeah average | $1,955 | $163 | $5,114 | $426 |
This table uses Hialeah ZIP codes only. See how we calculated these rates.
Across the seven Hialeah ZIP codes we price, full coverage for our driver ranges from about $417 a month in 33014 to $447 in 33013, a gap of $355 a year. Six of the seven are within about $16 a month of each other; 33013 is the exception, about $14 a month above 33012, the next most expensive.
Lowest-priced Hialeah ZIP codes
Highest-priced Hialeah ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Hialeah’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 33010 | $1,958 | $163 | $5,046 | $421 | -1% |
| 33012 | $2,026 | $169 | $5,197 | $433 | +2% |
| 33013 | $2,081 | $173 | $5,361 | $447 | +5% |
| 33014 | $1,869 | $156 | $5,006 | $417 | -2% |
| 33015 | $1,879 | $157 | $5,048 | $421 | -1% |
| 33016 | $1,955 | $163 | $5,116 | $426 | About average |
| 33018 | $1,916 | $160 | $5,024 | $419 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $582 a year on average in our Hialeah data, with the same $500 deductibles. That’s about $49 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Hialeah ZIP codes, their full-coverage average fell from $6,299 a year in rates as of Nov. 30, 2025, to $5,599 as of Aug. 31, 2026, an 11.1% drop. Progressive cut its Hialeah average 17.3%, Allstate 5.0% and GEICO 2.7%. Travelers is new in our rates since November 2025, so it’s left out, which is why these averages differ from the Hialeah average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 11.3%, led by Progressive, which cut its liability-only average 16.3%.
Miami-Dade County averages about $411 a month for full coverage, the second-most expensive of the 66 Florida counties we price, after Palm Beach County. Around Hialeah, Miami Gardens and Opa-locka, to the north, average about $435 and $428 a month, while Homestead, far to the southwest, averages $414. Florida insurers price by location as well as by driver and car, so your ZIP code can move your price.
GEICO is the insurer to watch here. It has the lowest full-coverage average in Hialeah, about $260 a month, while Travelers, which has the lowest average in 24 of our 26 Florida city guides, averages $305. Progressive’s Hialeah average is about $692.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Miami, about seven miles southeast, averages $405 a month. To the north in Broward County, Miramar averages $391, Pembroke Pines $380 and Hollywood, about 15 miles northeast, $395.
Drivers in Hialeah follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
Car insurance rates in Hialeah average about $426 a month ($5,114 a year) for full coverage and $163 for liability-only coverage at 15/30/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 29% above the Florida average of $331 a month.
GEICO has the lowest full-coverage average in our Hialeah rate data, at about $260 a month, followed by Travelers at $305 among the insurers we rank. For liability-only coverage at 15/30/10 limits, averages run from about $86 to $274 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
Miami, for our benchmark driver. Hialeah full coverage averages about $426 a month and Miami about $405, a difference of about $21 a month for the same driver and car.
In our data, 33014 has the lowest full-coverage average in Hialeah, at about $417 a month, and 33013 the highest, at about $447. The ZIP code table on this page lists all seven.
In our Hialeah data, full coverage (100/300/100 with $500 deductibles) averages about $426 a month and liability-only coverage at 15/30/10 limits about $163, a difference of about $263 a month ($3,159 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new since November 2025), their Hialeah full-coverage average fell 11.1%, from about $6,299 to $5,599 a year. That’s higher than the Hialeah average of $5,114 because it leaves out Travelers. Progressive cut its Hialeah average 17.3%, Allstate 5.0% and GEICO 2.7%. Liability-only coverage at 15/30/10 limits fell 11.3%.
