Buy Cheap Homestead, FL Auto Insurance (2021)

Homestead, FL auto insurance rates average $574 a month. Minimum auto insurance requirements in Homestead, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Homestead, FL, compare Homestead auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Homestead, FL are $574/month
  • The most expensive auto insurance company in Homestead is Allstate
  • Average auto insurance rates in Homestead, FL for teens drivers are $12,285/year

Finding affordable Homestead, Florida auto insurance can be challenging, but everything you need to know to buy cheap Homestead, FL auto insurance with confidence is right here. Auto insurance rates in Homestead are affected by local factors as well as personal ones like your driving record.

See how Homestead, FL car insurance rates compare to Port St. Lucie auto insurance rates, Tampa auto insurance rates, and Hialeah auto insurance rates before you read more about the cost of auto insurance in Homestead.

Don’t buy Homestead, FL auto insurance until you’ve compared rates. Get free Homestead, Florida auto insurance quotes when you enter your ZIP code above.

Homestead, FL Minimum Auto Insurance Requirements

The required auto insurance in Homestead, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Homestead, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Homestead, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Homestead, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Homestead, FL. Take a look at Homestead, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Homestead, Florida

Insurance Company Poor Fair Good
Allstate $14,877 $9,198 $7,324
GEICO $8,226 $4,972 $3,731
Liberty Mutual $10,704 $7,780 $6,257
Nationwide $8,488 $6,133 $5,511
Progressive $9,969 $7,103 $5,884
State Farm $7,567 $4,899 $3,985
USAA $6,609 $3,196 $2,311

Buy Cheap Homestead, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Homestead, Florida auto insurance rates? Find out how car insurance rates in Homestead, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Homestead, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $6,825 $6,327 $5,843 $5,825 $22,377 $23,696 $6,446 $6,395
GEICO $4,494 $4,524 $4,173 $4,173 $7,945 $9,855 $4,959 $5,020
Liberty Mutual $5,625 $5,625 $5,132 $5,132 $12,195 $18,929 $5,625 $7,714
Nationwide $4,690 $4,634 $4,155 $4,321 $11,310 $14,005 $5,172 $5,398
Progressive $5,085 $4,811 $4,308 $4,640 $14,402 $15,752 $6,238 $5,979
State Farm $3,611 $3,611 $3,238 $3,238 $9,794 $12,143 $4,027 $4,206
USAA $2,320 $2,288 $2,147 $2,144 $7,970 $9,316 $2,932 $3,190

Buy Cheap Homestead, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Homestead can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Homestead, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Homestead, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $22,377 $23,696
GEICO $7,945 $9,855
Liberty Mutual $12,195 $18,929
Nationwide $11,310 $14,005
Progressive $14,402 $15,752
State Farm $9,794 $12,143
USAA $7,970 $9,316

Buy Cheap Homestead, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Homestead, Florida by comparing Homestead senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Homestead, FL here.

Annual Auto Insurance Rates for Senior Drivers in Homestead, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,843 $5,825
GEICO $4,173 $4,173
Liberty Mutual $5,132 $5,132
Nationwide $4,155 $4,321
Progressive $4,308 $4,640
State Farm $3,238 $3,238
USAA $2,147 $2,144

Find Cheap Auto Insurance Rates in Homestead, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Homestead, Florida auto insurance. Compare Homestead, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Homestead, Florida

Insurance Company Low Medium High
Allstate $8,015 $11,026 $12,359
GEICO $4,863 $5,797 $6,269
Liberty Mutual $7,619 $8,365 $8,757
Nationwide $5,303 $6,976 $7,853
Progressive $6,470 $7,820 $8,666
State Farm $4,859 $5,587 $6,005
USAA $3,476 $4,187 $4,452

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Find Cheap Homestead, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Homestead. Compare auto insurance rates in Homestead, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Homestead, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $10,171 $10,763
GEICO $5,615 $5,671
Liberty Mutual $7,972 $8,522
Nationwide $6,711 $6,711
Progressive $7,652 $7,652
State Farm $5,270 $5,698
USAA $3,992 $4,085

Find Cheap Homestead, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Homestead, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Homestead, FL to see how much where you live in Homestead affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Homestead, Florida

ZIP Code Average Annual Rates
33030 $5,251
33031 $5,251
33032 $5,348
33033 $5,244
33034 $5,251
33035 $5,203
33039 $5,286

Find Cheap Homestead, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Homestead, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Homestead, FL, take a look at the average cost for various violations versus rates for a clean driving record in Homestead.

Annual Homestead, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,044 $10,931 $11,896 $9,995
GEICO $3,911 $5,017 $7,499 $6,145
Liberty Mutual $5,986 $7,740 $11,139 $8,123
Nationwide $5,734 $6,292 $8,452 $6,364
Progressive $6,034 $8,939 $7,525 $8,110
State Farm $4,998 $5,970 $5,484 $5,484
USAA $3,175 $3,903 $5,750 $3,325

Find Cheap Homestead, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Homestead, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Homestead for less when you shop around and compare rates from multiple Homestead, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Homestead, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,896
GEICO $7,499
Liberty Mutual $11,139
Nationwide $8,452
Progressive $7,525
State Farm $5,484
USAA $5,750

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Winners by Category: Where to Buy Cheap Auto Insurance in Homestead, FL

Compare rates from the cheapest auto insurance companies in Homestead, FL for your needs. Take a look at how Homestead, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Homestead, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Homestead, Florida Auto Insurance Companies

If you’re looking for the cheapest Homestead, FL auto insurance companies overall, you can compare them here. Find the best price for Homestead, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Homestead, Florida

Insurance Company Average Annual Rates
Allstate $10,467
GEICO $5,643
Liberty Mutual $8,247
Nationwide $6,711
Progressive $7,652
State Farm $5,484
USAA $4,038

What affects Homestead, Florida auto insurance rates?

Local factors affect auto insurance rates in Homestead, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Homestead auto insurance rates.

Auto Theft in Homestead

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Homestead, FL auto theft show a total of 161 vehicle thefts annually.

Commute Times in Homestead

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Homestead, FL is 40.8 minutes according to City-Data.

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Compare Auto Insurance Quotes in Homestead, FL

You can buy cheap Homestead, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Homestead, Florida auto insurance quotes from top companies.

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