Compare Homestead, FL Car Insurance Rates (2021)

Car insurance in Homestead, FL averages $574 a month. Homestead, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Homestead car insurance rates, compare quotes from the top car insurance companies in Homestead, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Homestead for teen drivers is USAA
  • Average car insurance rates in Homestead, FL are $6,892/year
  • Average car insurance rates in Homestead, FL after a DUI are $8,249/year

If you need to buy Homestead, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Homestead, FL is right here.

You’ll find Homestead car insurance rates, the cheapest Homestead, FL car insurance companies, and information on Florida car insurance laws. You can also compare Homestead, Florida car insurance rates to Cape Coral car insurance rates, Orlando car insurance rates, and Tallahassee car insurance rates.

Ready to find affordable Homestead, FL car insurance today? Enter your ZIP code for fast, free Homestead car insurance quotes.

Cheapest Homestead, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Homestead, FL car insurance rates? Every Homestead, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Homestead, FL

Every driver must carry the minimum car insurance in Homestead, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car 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

Cheapest Homestead, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Homestead, FL. Compare credit history car insurance rates in Homestead from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Homestead, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Homestead, FL to rates for a clean record with top companies.

Annual Homestead, Florida Car 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

Cheapest Homestead, FL Car Insurance for Teen Drivers

Teen car insurance in Homestead, FL can be expensive. Take a look at rates from the top car insurance companies in Homestead for teenagers.

Annual Car 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

Cheapest Homestead, FL Car Insurance for Seniors

Take a look at Homestead, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Homestead, FL Car Insurance Rates After a DUI

A DUI in Homestead, FL increases car insurance rates. Compare Homestead, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Homestead, Florida

Insurance Company Annual Car 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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Cheapest Homestead, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Homestead, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

Cheapest Homestead, FL Car Insurance Rates by ZIP Code

Homestead car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Homestead, FL.

Annual Car 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

The Best Cheap Car Insurance Companies in Homestead, FL

Take a look at a side-by-side comparison of the top car insurance companies in Homestead, FL to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Homestead, Florida

Find the cheapest car insurance companies in Homestead, FL for each category right here.

Best Annual Car 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

Cheapest Homestead, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Homestead car insurance rates. Find the cheapest Homestead, FL car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Homestead, Florida?

What factors can have an impact on Homestead, FL car insurance? There are several reasons why Homestead car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Homestead, Florida.

Car Theft in Homestead

High levels of vehicle theft can make car insurance more expensive. Homestead, FL car theft statistics from the FBI indicate 161 vehicle thefts a year.

Commute Time in Homestead

The more time you spend in your car the higher the risk of an accident. The average commute length in Homestead, FL is 40.8 minutes according to City-Data.

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Compare Car Insurance Quotes in Homestead, FL

Ready to find affordable Homestead, Florida car insurance today? Enter your ZIP code for fast, free Homestead, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State