Car Insurance in Hialeah, Florida [The Complete Guide]

The Cost of Car Insurance in Hialeah

Nobody wants to pay more than necessary for car insurance. High rates deplete the monthly budget and can result in having to forgo new clothes or eating out.

Luckily, we have a better way. We’ve compiled Hialeah’s car insurance costs so you can see which companies are the most affordable. Not all Hialeah companies have rates that will derail your monthly budget.

Keep reading to learn about the cost of car insurance in Hialeah so you can see what the best rates are for YOU. Start comparison shopping today by entering your zip code in our FREE online tool above!

Male vs. Female vs. Age

It’s true. Your age and gender do impact insurers’ rates. Younger drivers pay significantly more, with costs decreasing as drivers get older.

The median age in Hialeah is 44.2 years of age, meaning that most Hialeah drivers won’t have high age rates.

The cheapest age to be in Hialeah is 60 years old.

Teenager drivers pay THOUSANDS more for car insurance. Insurers base these rates on teenage drivers’ risk factors. The younger that drivers are, the less experience they have. This lack of experience makes them more likely to be involved in an accident.

So what about gender? In most cases, females have cheaper rates than males (who are considered to be riskier drivers).

In Hialeah, females pay an average of $6,848 for car insurance, while males pay an average of $7,178.

Let’s put all this information together now to see how both gender AND age impact Hialeah’s rates.

The bad news is that there is nothing you can do about your gender and age. Though finding a provider who doesn’t overly discriminate against drivers’ gender will help lower rates.

Cheapest Zip Codes in Hialeah

Where you live also influences insurers’ rates. This is because areas vary on how affected they are by crime rates and natural disasters.

With this in mind, let’s take a look at the CHEAPEST zip codes in Hialeah.

The good news is that the increase between the least and most expensive zip codes isn’t terrible. There is only a $447 difference, which can be in the range of thousands in other cities.

What’s the Best Car Insurance Company in Hialeah?

Remember when we told you that not all insurance companies’ prices will ruin your monthly budget? Well, to help you find the best rates in Hialeah, we are going to break down Hialeah’s rates by showing you what factors increase or decrease rates.

Narrowing down companies based on price will also help show who the best company is in Hialeah for YOUR needs.

Let’s jump right in.

Cheapest Car Insurance Rates by Company

The table below shows multiple companies’ rates so that you can see who the cheapest providers are in Hialeah.

USAA has the cheapest rates for all demographics EXCEPT teenagers. Geico actually has the cheapest rates for teens, even though it has the second highest average on the list.

Because of this, it might be more beneficial to pick a company based on what they charge for your demographic, rather than picking a company based on the cheapest overall rates.

Best Car Insurance for Commute Rates

Imagine that you spend extra each week filling up your gas tank for a long commute, only to discover that you are also paying more to your insurer for your long commute.

Allstate has an over $600 difference between commutes. If you have a longer commute, you may want to look at a company that doesn’t change rates based on commute distance.

Best Car Insurance for Coverage Level Rates

Purchasing high coverage for your car doesn’t have to be an enormous expense. As the table below shows, some companies have a fairly economical rate increase.

At companies like State Farm, the increase from low to high coverage will cost you roughly $1,200 a year. While this is fairly expensive, it amounts to only about an extra $100 a month.

If high coverage is still out of your budget, it is worthwhile to opt for medium coverage instead. After all, the better coverage you have, the better protected you are in an accident.

Best Car Insurance for Credit History Rates

Your credit score can affect your rates just as much as your driving history.

Between good and poor credit, the average cost can change by THOUSANDS. At Allstate, poor credit will cost you an extra $8,500 a year.

Best Car Insurance for Driving Record Rates

A poor driving record will also cost you. The best way to save money is to keep a clean driving record.

At most companies, a DUI is the worst offense a driver can commit. A DUI will raise your rates the most, but speeding violations and accidents will also impact your rates.

Car Insurance Factors in Hialeah

Multiple factors contribute to Florida’s car insurance coverages and rates.

To see how much car insurance costs in Hialeah, FL, we are going to look at multiple reports to see how much you SHOULD be paying for car insurance.

Median Household Income

With hundreds or thousands of dollars going to car insurance every year, you may be wondering just how much of your income is being eaten up by car insurance.

To help give you a better idea of car insurance costs, let’s start by taking a look at the median household income in Hialeah according to Data USA.

The average household income in Hialeah is $29,817 a year. This income is actually significantly less than the average income in Maimi-Dade County, as well as less than the average income in the United States.

The average income in Maimi-Dade County $44,224, meaning Hialeah residents earn about $15,000 less than surrounding cities.

So how much of this income goes to car insurance? Well, the average annual cost of car insurance in Hialeah is $5,659, which is one of the highest costs out of ALL of Florida’s cities.

This means that the average Hialeah resident spends 18.9 percent of his or her income on car insurance! This number is incredibly high.

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Because Hialeah has such high rates, make sure to shop around for providers and keep a clean driving record. Doing so may save you a significant sum.

Homeownership in Hialeah

In general, homeownership can help lower car insurance rates. While these two things may seem entirely unrelated, insurers consider homeowners to be more reliable and responsible.

Homeowners have to make monthly payments on their house, so insurers assume that homeowners will naturally be more reliable in making monthly car insurance payments.

In Hialeah, though, only 45.7 percent of residents are homeowners. In Miami-Dade County, the average percentage of homeowners is 52.6 percent. This means Hialeah has the lowest rate of homeowners out of the surrounding county area.

So what is the average value of houses that Hialeah homeowners are purchasing? The value of most Hialeah homeowners’ properties is about $163,600.

This number is actually similar to Florida’s average median property value of $166,800. While houses in Miami-Dade County cost more than houses in the Hialeah area, Hialeah property costs are typical of the state of Florida.

Education in Hialeah

Hialeah boasts a number of universities and colleges. Perhaps the best known is Florida National University, which awarded 557 degrees in 2016.

Below are Hialeah’s other schools, along with the percentage of degrees given in 2016.

Some of Hialeah’s next largest schools are Beauty Schools of Americal, La Belle Beauty School, and Compu-Med Vocational Careers Corp.

Unfortunately, Hialeah doesn’t feature community colleges with open enrollment, though there are community colleges in multiple other areas of Florida.

These community colleges will sometimes offer online degrees, so don’t despair that there isn’t a community college specifically located in Hialeah.

Wage by Race and Ethnicity in Common Jobs

Curious how race and ethnicity impact wages? Data USA’s statistics show just how much wages can vary in the SAME job!

Below, we’ve taken a look at Data USA’s data on wages for miscellaneous managers in Hialeah.

Bear in mind that these are some of the highest paying jobs in Hialeah. Car insurance as a percentage of income may be MUCH higher than the numbers shown above.

Still, even the highest earning demographic (Asians) still pay over six percent of their income towards car insurance.

Wage by Gender in Common Jobs

Though some may still deny it, data shows that there is a CLEAR wage gap between genders. Data USA’s statistics on Hialeah just confirms the wage gap, as males consistently make more than females in Hialeah.

On average, males in Hialeah earn 1.34 percent MORE than females.

• Hialeah Female Average Salary — $44,078
• Hialeah Male Average Salary — $58,931

Yikes! That’s over a $10,000 difference between genders! Even if females and males have the EXACT same job, statistics show that males will earn more.

Poverty by Age and Gender

Gender and age also show trends in poverty rates.

More females than males suffer from poverty, with the highest rates shown in females aged 35 to 44, 65 to 74, and 75 and older.

According to Data USA, 25.9 percent of the population in Hialeah live BELOW the poverty line.

This number is significantly above the national average of 13.4 percent living below the poverty line.

Poverty by Race and Ethnicity

We’ve looked at gender and poverty rates. Let’s now take a closer look at poverty rates in Hialeah by race and ethnicity.

Hispanic is the most poverty-stricken ethnicity or race in Hialeah. Over 59 thousand Hispanic people are estimated to be living in poverty in Hialeah. Whites are not far behind, with an estimated 58 thousand living in poverty.

The other races and ethnicities are MUCH lower, with the third highest number totaling only 1,622 people.

Employment by Occupations

Driving in Hialeah

Driving in cities can be challenging. From changing routes to expensive toll roads, finding the best route can be challenging and frustrating.

If you are curious about the best driving routes on Hialeah’s roads, look no further! Keep reading so that you can plan the best route to your destination.

Roads in Hialeah

Hialeah city has multiple roads for residents to travel on from point A to point B. It can be hard to determine the best way to get to your destination, especially for those looking for the quickest route to save money on gas and tolls.

If you want a rundown of Hialeah’s roads, we will cover everything from major highways to red light cameras. So keep scrolling.

Major Highways

Florida has 12 active interstates running through Florida cities. These 12 active interstate routes make up 1,497 miles of roadway in Florida! Two of these routes, I-195 and I-95, run directly through Miami.

If you recall, Miami is part of the Miami-Dade County, of which Hialeah is a part of.

As you can see, I-95 and I-195 are close to Hialeah. Did you know? I-95 actually runs through more states than any other U.S. interstate.

Part of traveling on any public highway is paying tolls. The bad news is that Florida has the most toll roads in the U.S. There are over 700 miles of toll roads in Florida, with multiple tollbooths on Maimi’s main highways. 

If you are traveling on Miami’s highways to or from Hialeah, those toll booths could cost you. While a few dollars may not seem like much, going a different route could save you quite a bit at the end of the year.

Florida also has cashless toll booths that accept prepaid toll devices through SunPass. SunPass devices cost around $20, but the user is then responsible for setting up an account to bill tolls.

The good news is that SunPass users pay the lowest tolls available on Florida’s highways. There are multiple payments amounts SunPass users can place on their device, though there is usually a minimum fee to open an account.

While SunPass doesn’t appear to have an annual pass cost, users will still receive the lowest toll, which will save money in the long run.

Popular Road Trips/Sites

Florida is well-known for its spring break spots, but there are other popular road trip ideas and sites available in Florida beyond Miami’s wild beach parties.

The video, below, though, shows some attractions WITHIN Hialeah.

If these attractions aren’t enough to spark your interest, there are plenty of places outside of Hialeah to travel to. Without further ado, here are some awesome ideas of Florida places for road trips or weekend getaways.

• Hidden Local Attractions — Florida has plenty of state attractions, but there a few most people don’t know about. From conservation parks to the Gallery of Amazing Things, there are plenty of hidden local attractions to visit in your lifetime.
• Nature Trip — Can’t get enough of beautiful nature shots? This list will give you a rundown on some of the most beautiful spots to visit in Florida.
• Lighthouse Trip — If old lighthouses and quaint seaside towns interest you, you may want to make a trip across Florida’s coastline to visit Florida’s oldest, history-steeped lighthouses.
• Mysterious, Haunted Trip — Like a bit of a scare?  This road trip will take you to Florida’s most mysterious and haunted attractions.
• Weekend Getaway Trips — Don’t want to spend a week road tripping? These places are perfect for a weekend getaway.
• Top Historical Landmarks — If you love history, you won’t want to miss out on Florida’s top 12 historical landmarks.

Of course, Miami also has a lot to offer and it is near Hialeah in the Miami-Dade County area. Watch the video below to see Miami’s main attractions.

So if you are looking for something to do on a long weekend, try road tripping through your home state. Florida has a variety of interesting and beautiful places to visit, and what you find may just surprise you.

Road Conditions

As of 2019, the Florida Department of Transportation (FDOT) is still working on finishing updates to roads in the Maimi-Dade County area. According to FDOT, below are some of the changes that will be made on roadways extending to the Hialeah area.

• Construct 4-lane divided roadway
• New bridge over Miami River Canal
• Drainage and water mains
• 5 new signalized intersections
• New street lighting
• New sidewalks and pedestrian ramps
• New pavement markings and signage
• Dedicated/shared bicycle lanes

All these changes cost an estimated 33 million, so hopefully, Hialeah will see positive changes in its roadways! The last thing anyone wants to hear is that dreaded thump when running over a hidden pothole.

The good news is that new drainage and water mains will also be placed in Hialeah, though recently a worker accidentally bumped a water main pipe and flooded the street.

By August 2019, though, work on Hialeah’s roads should be completed. So no more construction sites and broken water pipes! Just nicely paved roads and updated signs.

Does your city use speeding or red light cameras?

Hialeah city doesn’t use speeding or red light cameras, though other cities in Miami-Dade County do. Traffic cameras like speeding and red light cameras are generally mounted on high-traffic roads and automatically take pictures if a car runs a red light or is speeding.

Most of Florida is trying to outlaw the use of red-light cameras, though the legislation passed in 2010 making red-light cameras legal has yet to be overturned.

Vehicles in Hialeah

Every city has trends in vehicle ownership and all the troubles that come along with owning a car — thefts, speeding tickets, and traffic. To see how Hialeah fares in these areas, we are going to jump right into the concerns of owning and driving a vehicle in Hialeah.

Keep reading to see just how safe your car is in Hialeah.

 – How Many Cars Per Household?

Usually, we take note of how many cars are in our neighbors’ driveways because we pass by their houses every day. Curious how many cars most residents in Hialeah own?

Well, most Hialeah residents own two cars, followed by ownership of three cars.

2.5 percent of Hialeah residents own five or more cars, which is a lot of cars.

Households Without a Car

While there are those who own over five cars, there are also those who own none. Below are the statistics from 2015 and 2016 on households who rely on transportation methods other than cars.

As you can see, we also included the average number of cars owned in 2015 and 2016, which matches Data USA’s conclusion that most Hialeah households own two cars.

Car ownership actually went up slightly in 2016, which means fewer households are without cars.

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Speed Traps in Hialeah

Ever whizzed by a cluster of trees to see, to your horror, a police officer pulling out and pursuing you? If so, you’ve been a victim of a speed trap.

Speed traps are where officers are able to conceal their vehicles and use radar guns to monitor drivers’ speed. Generally, speed traps are created to stop speeding, but they also bring benefits of added revenue.

In fact, Hialeah police reported that they were pressured by officers to meet a traffic ticket quota.

The good news is that Hialeah didn’t make it onto the list of the top 10 worst cities for speed traps in Florida. This doesn’t mean that officers won’t catch you for speeding, it just means that there aren’t obvious speed traps in the area to avoid.

Vehicle Theft in Hialeah

How safe is your vehicle in Hialeah? The FBI’s 2013 report on crime in Hialeah found that 708 vehicles were stolen! That’s quite a few vehicles stolen in just one year.

In 2017, Neighborhood Scout reported that the FBI tracked 687 motor vehicle thefts. The bad news is that this number has gone done only slightly since 2013.

Now that you know Hialeah has significant car theft, what is the safest neighborhood to be in Hialeah? According to Neighborhood Scout, the safest neighborhood in Hialeah is NW 87th Avenue and West 74th Street.

Neighborhood Scout lists the other safest neighborhoods in Hialeah as the following.

• W 26th Ave/W 73rd Place
• NW 103rd St/NW 80th Way
• W Hialeah Hialeah Gardens Blvd/W 33rd Lane
• NW 79th Ave/NW 197th St
• W 26th Ave/W 80th St
• W 68th St/W 24th St
• W 21st Ct/W 56th St
• NW 135th St/Le Jeune Expy
• W 9th Ct/W 44th Place

If you live in these neighborhoods, you can rest assured that they are the safest place to be. But what if you are passing through an area that isn’t so safe? What is your chance of being the victim of a violent crime?

Well, per 1,000 residents, you have a one in 495 chance of being a victim of violent crime in Hialeah. This chance is lower than Florida’s, which is a one in 245 chance.

These numbers give a Hialeah a 25 crime index. What does this mean? It means that Hialeah is safer than 25 percent of U.S cities. Below is Hialeah’s annual number of crimes from 2017.

Yikes! Hialeah has a fairly high crime rate. The overall rate per 1,000 residents is 24.34. If you want to protect your property, you may want to check out Hialeah’s safer neighborhoods.

Traffic

Hialeah’s traffic is not noteworthy enough to appear on a traffic congestion scorecard, which is good news. If you are in Hialeah and are planning on visiting Miami, though, be aware that Miami does have fairly heavy traffic.

Since Miami is part of the Miami-Dade County, some of this traffic may overflow into areas near Hialeah.

Transportation

Now that we know Hialeah doesn’t have notable traffic congestion, let’s see just how much time Hialeah residents spend commuting each day.

In the U.S., the average commute time is 25.3 minutes. Hialeah’s commute time is below this.

Hialeah residents spend an average of 23.4 minutes commuting each day. This difference may seem incremental, but a little extra time each day can make all the difference.

That’s an extra two minutes to finish brewing that cup of coffee or grab a snack on your way out the door.

So how do most Hialeah residents get to work?

While driving alone is the most common method, Hialeah residents also carpool, work at home, or use public transportation.

Busiest Highways

The busiest highways near Hialeah include route I-95 and I-195. According to FDOT, these routes are heavily congested. Below is FDOT’s explanation of what heavy congestion entails.

• Urban Areas — traffic is moving bumper to bumper or stop and go
• Rural Areas — changing lanes is difficult due to traffic

If you are traveling on main highways through Miami, you may want to seek an alternate route out of Hialeah that avoids heavy congestion.

How Safe are Hialeah’s Streets and Roads?

We’ve learned about Hialeah’s crime rates, but what about traffic risks? Multiple factors contribute to road risks, such as crash type or drunk driving.

The National Highway Traffic Safety Administration (NHTSA) collected data on Florida’s county crash statistics. To start with, we will take a look at Miami-Dade County’s total fatal crashes in 2017.

Fatalities spiked in 2015, reaching over 300 fatal crashes. Up next, we want to take a look at alcohol-impaired driver fatality crashes. If you’ve ever had too much to drink, you know how your judgment becomes impaired.

Put an alcohol-impaired driver behind a wheel, and it’s disastrous. Reaction time is slowed, and stop signs suddenly seem like suggestions.

The worst result of drunk driving? Fatalities. While Maimi-Dade County doesn’t have the highest drunk driving fatalities in Florida, it doesn’t have the lowest numbers either.

As for the worst types of crashes, we’ve compiled NHTSA’s data on crash types in Miami-Dade County.

Single vehicle crashes consistently have the worst fatality rates in Hialeah, followed by intersection or intersection related crashes. Passengers in cars aren’t the only ones who contribute to these fatality numbers, though.

Pedestrians and cyclists are also victims of crashes.

While car passengers have the highest fatality rates, pedestrians aren’t far behind.

Make sure to always use caution near roadways, as you can’t always depend on drivers to stop for you.

Next, we have NHTSA’s information on highways with the most fatal crashes. Take a look below to see how Florida’s fatalities fare based on road type.

What is an arterial road? Basically, it is a high-capacity urban road. Depending on the amount of traffic that needs to move through the area, the arterial road may be classified as a highway or a minor arterial road.

A collector road simply gathers traffic from local roads and takes drivers to arterial roads.

Most of Florida’s fatal crashes occur on arterial and minor arterial roads. Since Hialeah has quite a few arterial and minor arterial roads crossing through Miami-Dade County, drivers should be extra alert in these areas.

Another factor of safe roads is railroad and highway crash incidents. The US Department of Transportation (DOT) collected information on Hialeah’s fatalities and injuries due to highway and railroad crashes over the years.

Most crashes seem to happen on NW North River Drive in automobiles. If you are driving in any of the areas on the list above, make sure to pay attention to the traffic around you.

Allstate America’s Best Drivers Report

Another aspect of Hialeah we want to look at is how Hialeah’s drivers compare to the rest of the U.S. According to Allstate’s report, Hialeah is the 138th safest city to drive in in 2018.

Ridesharing

If you want to rideshare in Hialeah, it helps to know what services are available and what the rates are. The following ridesharing services are available in Hialeah and are listed in order from cheapest to most expensive.

1. Uber — This ridesharing company has the cheapest rates in Hialeah (with the exception of Uber Lux).
2. Lyft — Has the second cheapest rates in Hialeah (with the exception of Lyft Lux).
3. Taxi and Curb — Traditional taxi cabs are more expensive than Uber and Lyft Ridesharing services.

While Uber and Lyft have cheaper rates than taxis, going with these ridesharing services luxury services will cost a little more than a taxi ride. Just something to keep in mind when traveling around Hialeah.

EStar Repair Shops

You’ve been in an accident, and now your fender needs a little work to restore it to its former glory. This is where EStar repair shops can help.

A program from Esurance, Estar repair helps drivers find the best repair shop in their area. To help give Hialeah residents a head start, we’ve included the top 10 repair shops near Hialeah according to Estar.

While only one Estar shop is located directly in Hialeah, the other stores are located in Miami-Dade County and are close by to Hialeah residents.

Weather

Hialeah resides in the Sunshine State, which means the weather is reflective of Florida’s average temperatures and precipitations. Let’s take a look at U.S. Climate Data’s information on Hialeah’s weather to determine how much vitamin D you will get.

Snowfall wasn’t included for a reason, as there is RARELY snowfall in Florida! While driving in snow isn’t on driver’s list of things to be cautious around, Hailiah does have a small number of natural disasters.

Hialeah has had a total of 8 natural disaters in the Miami-Dade area, which is lower than the U.S average. These disasters include hurricanes, tropical storms, and tornados.

So how should you protect your car in the chance one of these natural disasters happens in your lifetime? The best protection against natural disasters is comprehensive coverage.

Comprehensive coverage will help pay for damages to a car caused by something other than a collision with another car, such as fire, flood, hail, or vandalism. Even if a natural disaster doesn’t happen in your lifetime, Hialeah’s crime rate may make it worthwhile to have comprehensive coverage.

 Public Transit

Hialeah residents who don’t own cars, or those who simply prefer to use public transit, usually must pay the cost of public transportation unless carpooling or walking is an option.

In the Miami-Dade County area, residents can purchase Metrorail or Metrobus tickets. The costs of both buses and trains are below.

• Metrorail — Fare: $2.25. Monthly pass: $112.50. 
• Metrobus — Fare: $2.25. Monthly pass: $112.50.

Alternate Transportation

If you want a different method of transportation other than a bus or train, it may be worth looking into bike or scooter rentals. Hialeah city doesn’t offer these rentals, but Miami city in the Miami-Dade County area does.

If you are planning a weekend visit, below are some popular options for scooter and bike rentals in the Miami-Dade area.

• Lime — This company offers both bike and scooter rentals. Lime has fixed rates per minute, but you will need to check the Lime app for costs in the Miami area, as rates vary by city, weekday, and time of day.
• Bird — This company offers scooter rentals. Just like Lime, Bird has fixed rates per minute that vary by city.

While these bike and scooter rentals won’t take you as far as a bus or train, they are great for riding around a neighboring city for a day.

Parking in Metro Areas

One of the worst parts of traveling through any city is trying to find parking! Luckily, there are plenty of parking options in Hialeah. Of course, during prime busy hours, it may be harder to find a parking spot on the streets of Hialeah.

While you may find a parking spot on the street, there are also parking garages available. Some charge a fee, while others are free to use during certain hours.

If you drive an electric vehicle, you also need to be aware of where charging stations are when you’re driving around trying to find a place to park. Within a ten mile radius of Hialeah, there are a total of 147 electric charging stations for electric vehicles.

As for satellite parking, this is generally offered at airports and hotels. Since Hialeah doesn’t have an airport, most satellite parking situations will be located in the neighboring city of Miami.

Air Quality in Hialeah

How do vehicles today contribute to air quality? When vehicles were first invented, they belched out toxic fumes as they stuttered down the streets.

Today, there are much stricter air-quality control regulations on cars. This doesn’t mean that the smog cars produce isn’t still an issue. Pollution can have a serious effect on people’s health.

While smog checks aren’t required in Florida, it is advisable to check your car’s smog emission. The last thing you want is to breathe in harmful fumes while driving.

Let’s take a look at the air quality index in the Maimi-Dade County area. The Environmental Protection Agency (EPA) has collected years worth of data on air quality, some of which we have included below.

Out of the days the EPA measured air quality index from 2016 to 2018, there were no harmful or very harmful days. In fact, the number of good days actually went up slightly over the years.

Hopefully, an increased focus on clean transportation and stricter vehicle smog control policies will continue to make the air better across the U.S.

Military/Veterans

If you’ve served in the military or are in active service, you may be eligible for car insurance discounts. Car insurance is expensive, and paying that monthly bill makes many people wince.

If you are or were military personnel, we can help you sort through everything you need to know about car insurance AND save money.

Keep reading to learn about Hialeah service periods, military bases, and discounts.

Veterans by Service Period

Every city has veterans who have lived through the same wars, perhaps even serving together. Below is Data USA’s information on the number of veterans in Hialeah.

In 2017 in Hialeah, 597 veterans served in the Gulf War (2001-). A number of military personnel in Hialeah also served in the Vietnam war. As for WWII veterans, there were a total of 37 WWII veterans living in Hialeah in 2017.

With so many military veterans in Hialeah, we want to next take a look at Hialeah’s military bases. 

Military Bases Within an Hour

Florida has quite a few military bases, but only one is near to Hialeah in the Maimi-Dade County Area. The United States Southern Command takes just about an hour to get to from most parts in Hialeah,

Founded in 1903, the United States Southern Command is now responsible for commanding all U.S. Military activities in the following areas.

 U.S. Southern Command covers “the land mass of Latin America, south of Mexico; the waters adjacent to Central and South America; the Caribbean Sea, with its 13 island nations, European and U.S. territories; the Gulf of Mexico; and a portion of the Atlantic Ocean.”

The United States Southern Command works hard to protect the U.S. from threats and drug smuggling. In just 2019, the U.S. Coast Guard caught smugglers with 14,000 pounds of marijuana and 3,660 pounds of cocaine.

Military Discounts by Provider

If you are or were military personnel, most car insurance companies will want to give back by serving YOU. Many car insurance providers will offer discounts to military personnel.

Below is a list of known providers who give military discounts (we excluded providers who give military discounts but are only based in LA, California).

*USAA also gives a military garage discount for garaging cars on a military base.  

If you are military personnel, the above providers may be worth checking into. While not all the companies list the percentage saved through their discounts, they do offer discounts.

USAA Available in Florida

USAA is car insurance ONLY for U.S. military personnel and their families. One of USAA’s main corporate headquarters is actually centered right in Tampa, Florida.

Compared to other insurers, USAA generally offers lower and more affordable rates for customers. Below, you will see USAA’s rates and other competitive insurers’ rates compared to the national rate average in Florida (which is $4,680).

USAA has by far the BEST rates, costing 64 percent less than the state average. While other companies are also below the state average, none come close to USAA’s great rates for military personnel.

Unique Hialeah Laws

Every city has unique laws that residents should be aware of. Not knowing your city’s laws could result in a ticket, which nobody wants to pay!

To help you navigate Hialeah’s driving laws, we are going to go through some lesser known and unique laws.

Keep reading to learn everything you need to know about driving in Hialeah, especially if you own a special vehicle like a food truck or tiny home.

Hands-Free Driving Law

In Florida, it is illegal to text while driving. Drivers may still use hands-free devices (such as Bluetooth to make a call) but may be ticketed for driving while texting.

Hands-free driving enforcement is secondary in Florida, meaning law enforcement can’t pull you over just for texting.

The City of Hialeah and Florida are working to strengthen the hands-free driving law by making it a first offense. This means drivers can be pulled over just for texting.

Florida is also working on creating and trying to pass a stricter hands-free driving law by banning ALL distracting activities.

Food Trucks

If you are thinking of operating a food truck in Hialeah, you will have to follow Miami-Dade County’s regulations. Below are some of the most important laws about food trucks.

•  Certificate of Use required
• Must operate in permissible zoning areas 
• Follow hours of operation
  • 7 a.m. to 10 p.m. weekdays
  • 7 a.m. to 11 p.m. weekends
• Sale of alcohol prohibited

These are just a few of the regulations food trucks must follow. Owners of food trucks must also follow rules regarding parking, music use, and other laws.

Tiny Home

Tiny homes have become all the rage in the 21st century. Miami-Dade County has begun to consider tiny homes as a solution to the housing crisis it is facing. If you are looking to own a tiny home in Florida, there are a few things you need to know beforehand.

Not only will you need to ensure your tiny home, but you will need to make sure you park in the right areas. Typically, a tiny home is considered a mobile home and must follow similar restrictions to an RV or trailer.

In Miami-Dade County, mobile homes are not allowed to park outside approved mobile home parks. There are a few exceptions to this law, but tiny homeowners must meet certain requirements.

If you are looking to downsize, a tiny home in Hialeah may just be for you! The best part? You can pick up and move your tiny home anytime you want.

Parking Laws

One of the biggest headaches of living in a city is finding parking. It might be tempting to park wherever you can find a spot, but make sure you are facing the same direction as the traffic in the lane nearest you.

Parking in the wrong direction may result in a ticket, as it is proof that you drove on the wrong side of the road to park!

In some places, you may be able to reserve spots at garages, airports, or hotels for a fee. If you are busy, this may be a great option to save time on parking.

After all, parking can lead to some serious frustration and disputes.

Hialeah Car Insurance FAQs

Still have questions about living in Hialeah? Car insurance can be a confusing subject, and if you are moving to Hialeah, everything is new!

That’s why we’ve put together a must-know list of FAQs about Hialeah.

Keep reading to have major questions answered, such as Hialeah culture and car insurance requirements.

Questions People are Asking about Hialeah

• What languages should I know? If you are looking to purchase car insurance in Hialeah or want to talk to someone about driving laws, it will help to know Spanish. According to Data USA, over 205,500 Hialeah residents speak Spanish or Spanish Creole! Just another reason to pay attention in Spanish class in high school.
• Where are the best attractions to drive to? You have your inspected, properly insured car ready to go, but you have no idea where to go over the weekend! Hialeah has a variety of attractions, from delicious eateries to nature parks. Hialeah is also a short distance away from major attractions in Miami and other popular tourist destinations.
• What are living costs like? Living in Hialeah is MUCH cheaper than living in other cities in the Maimi-Dade County area, but it is still more expensive than other Florida cities. You should also be aware that while Hialeah has a lower crime rate than Florida overall, you should still check out the safest neighborhoods in any city you move to.
• What insurance do I need? If you live in Florida, you will need to make sure you have the minimum coverages required. These required coverages are Personal Injury Protection (PIP) and property damage liability insurance. While these are the only coverages required, you should purchase coverages BEYOND the minimum amounts.
• What happens if I’m in a car accident in Hialeah? Florida is a NO-FAULT state. This means that the at-fault driver doesn’t have to pay for accident costs. Instead, your insurer will cover YOUR accident costs. This is why it’s so important to have above minimum coverage in Hialeah, as you will have to pay off accident costs even if someone else rammed into your car.

Now that you’ve reached the end of our Hialeah guide, you are prepared to start driving in its streets. Want to start comparison shopping today? Enter your zip code in our FREE online tool!