Top 10 Companies Ranked Compare Homemaker Car Insurance Rates 2024
Compare best companies for homemaker car insurance rates like State Farm, USAA, and Progressive. Look into the average rates to ensure you find the best coverage for your needs.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
The average car insurance rate for homemakers is $1,091.73. Compared to other occupations, this is a low average for car insurance premiums. Start your search for the best car insurance rates by entering your ZIP code in the FREE box above!
Company | Rank | See Pros/Cons | Homemaker Discount | Multi-Vehicle Discount | Best for |
---|---|---|---|---|---|
#1 | State Farm | Up To 12% | Up To 15% | Bundle Discounts | |
#2 | USAA | Up To 10% | Up To 20% | Customer Service | |
#3 | Progressive | Up To 15% | Up To 17% | Customizable Policies | |
#4 | Allstate | Up To 13% | Up To 18% | Big Discounts | |
#5 | Liberty Mutual | Up To 8% | Up To 14% | Policy Options | |
#6 | Farmers | Up To 11% | Up To 16% | Accident Forgiveness | |
#7 | Nationwide | Up To 9% | Up To 13% | Safe-Driving Discounts | |
#8 | Esurance | Up To 10% | Up To 15% | Online Convenience | |
#9 | Travelers | Up To 7% | Up To 12% | Add-on Coverages | |
#10 | American Family | Up To 11% | Up To 14% | Customizable Coverage |
Car insurance rates are all determined by a risk-based analysis. Insurance companies can use your occupation to determine whether a driver is more or less likely to file a claim. For insurance companies, it is about the bottom-line risk.
This means that accidents are not the risk they are concerned with, but rather the risk that the insured driver will file a claim. The primary factor that relates to occupation is how much the car is driven.
#1 – State Farm: Bundle Discounts
State Farm emerges as the top choice for homemakers, offering bundle discounts that maximize savings on comprehensive coverage.
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Pros
- Bundle discounts: State Farm offers attractive bundle discounts, allowing homemakers to combine multiple insurance policies, such as home and auto, for additional savings.
- Homemaker discount: With a homemaker discount of up to 12%, State Farm recognizes the unique needs and lower risk profile of homemakers, translating into more affordable rates.
- Multi-vehicle discount: State Farm provides a multi-vehicle discount of up to 15%, making it an excellent choice for households with multiple vehicles.
Cons
- Limited homemaker discount: While State Farm offers a homemaker discount, it might be considered relatively modest compared to some competitors.
- Customer service concerns: Some customers have reported mixed reviews regarding State Farm’s customer service, indicating that experiences may vary.
Read more: State Farm Car Insurance Review
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#2 – USAA: Customer Service
Pros
- Customer service: USAA is renowned for its exceptional customer service, providing a dedicated and supportive experience for its members.
- Homemaker discount: Offering a homemaker discount of up to 10%, USAA recognizes the value of homemakers and provides cost-effective insurance options.
- Multi-vehicle discount: With a multi-vehicle discount of up to 20%, USAA is an ideal choice for households with multiple vehicles.
Cons
- Limited membership eligibility: USAA is only available to military members, veterans, and their families, limiting eligibility for some homemakers.
- Availability: Not all individuals qualify for USAA membership, potentially excluding certain homemakers from accessing their services.
Read more: USAA Car Insurance Review
#3 – Progressive: Customizable Policies
Pros
- Customizable policies: Progressive stands out for offering highly customizable policies, allowing homemakers to tailor coverage to their specific needs.
- Homemaker discount: With a homemaker discount of up to 15%, Progressive acknowledges the lower risk associated with homemakers, resulting in more affordable rates.
- Multi-vehicle discount: Progressive provides a multi-vehicle discount of up to 17%, making it an attractive option for households with multiple cars.
Cons
- Not always the cheapest: While Progressive offers customizable policies, it may not always be the most budget-friendly option for all homemakers.
- Online-centric approach: Some individuals prefer a more traditional approach to insurance, and Progressive’s strong emphasis on online services may not suit everyone’s preferences.
Read more: Progressive Car Insurance Review
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Does being a homemaker affect car insurance?
A homemaker doesn’t have to commute to work. Insurance companies will assume that any driving a homemaker does will be local. This is partially the reason why homemaker car insurance rates are less than many other occupations.
Navigating car insurance as a homemaker comes with unique considerations. Discovering the most suitable coverage at the best rates is essential.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
State Farm | $86 | $33 |
USAA | $59 | $22 |
Progressive | $105 | $39 |
Allstate | $160 | $61 |
Liberty Mutual | $174 | $68 |
Farmers | $139 | $44 |
Nationwide | $115 | $44 |
Esurance | $114 | $46 |
Travelers | $99 | $37 |
American Family | $117 | $44 |
Homemakers benefit from favorable car insurance rates, with USAA offering the lowest at $59 for full coverage. State Farm follows at $86, and Progressive is slightly higher at $105. These rates reflect insurers recognizing safer driving habits, emphasizing the importance of tailored coverage. Comparing quotes from top providers like USAA, State Farm, and Progressive ensures homemakers secure the best and most affordable options.
Homemakers are also considered to be safer drivers overall. This will decrease the likelihood that a claim will have to be made.
If there are other circumstances that require you to drive the vehicle frequently, this will likely increase your premium if the insurance company is aware of the amount you drive your car.
What other factors affect my rates?
Everything that car insurance companies use to determine rates is based on the risk involved with insuring each individual driver. Specifics relating to each individual that is insured will affect the insurance rate more than occupation.
The last three years of your driving history is vital when insurance companies are determining your rate. This includes:
- speeding tickets
- insurance claims
- accidents
Insurance claims are more detrimental to your rate as they represent money that has been paid out by insurance companies on your behalf.
An accident that you pay to repair yourself without the use of the insurance company will not likely increase your premium.
Age and gender may also affect your insurance rate. Drivers under the age of 25 are considered high risk and will have higher insurance premiums. In this age group, males are also expected to have higher rates than females.
Read more: Compare Car Insurance Rates for Women
What type of coverage do I need?
Every person that drives has differing life circumstances which require different car insurance coverage needs. Most states require a minimum of liability insurance for any vehicle that is driven.
Money can be saved by opting for this minimum coverage. This is not recommended in most cases, however.
Opting for the minimum coverage will not cover any damages to your vehicle if you are involved in an accident that is deemed to be your fault.
The same may also apply for medical expenses as a result of an injury in an accident. This can vary based on state and the minimum requirements in place.
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You will need to determine what is necessary for your situation. One thing to consider is how much you drive. Another important consideration is how many people are in your household.
If you have kids that ride with you when you drive, then your insurance company will recommend a higher coverage amount for medical or personal injury protection. These medical coverages will be limited to an agreed-upon coverage amount per person. So a higher limit might be wise.
The protection of your family may be the most important thing to consider when determining the amount of coverage you want to insure your vehicle for.
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Navigating Homemaker Car Insurance: Case Studies in Savings, Service Excellence, and Tailored Coverage
Case Study One: State Farm – Maximized Savings through Bundle Discounts
A homemaker with a focus on optimizing insurance costs sought a provider that could offer comprehensive coverage at an affordable rate. State Farm emerged as the top choice due to its bundle discounts, allowing the individual to combine home and auto insurance policies for maximum savings.
By bundling both policies with State Farm, the homemaker availed a homemaker discount of up to 12% and a multi-vehicle discount of up to 15%. This resulted in substantial savings, providing peace of mind with the knowledge that both home and auto were well-protected without breaking the bank.
Case Study Two: USAA – Exceptional Customer Service for a Seamless Experience
A homemaker, seeking a hassle-free insurance experience, prioritized exceptional customer service. Being eligible for USAA membership, the individual decided to explore their offerings, placing a premium on service quality.
USAA’s renowned customer service delivered a seamless experience, with dedicated support tailored to the needs of the homemaker. From quick responses to personalized assistance, USAA’s commitment to service excellence exceeded expectations.
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Case Study Three: Progressive – Tailored Coverage for Individual Needs
A homemaker with specific insurance requirements sought a provider that could offer highly customizable policies. Progressive caught the individual’s attention with its commitment to providing tailored coverage options.
Progressive’s customizable policies allowed the homemaker to select coverage that precisely matched their needs. With a homemaker discount of up to 15% and a multi-vehicle discount of up to 17%, the individual could customize their policy without sacrificing affordability.
How can I save money on my car insurance rates?
Car insurance carriers will have various discounts available to motorists. If you are looking for a discount on your current policy, contact your agent to find out what discounts you may qualify for.
- A multi-policy discount is common across the board for insurance companies that have multiple products available for consumers. If you bundle your homeowners or renters insurance with the car insurance, you should receive a discount on both policies. The same is usually true for insuring multiple vehicles.
- Some insurance carriers offer discounts for taking a safe driver course. Speak with an agent to find out if this is an option and what courses would qualify for the discount.
- Safety features on your vehicle are also common ways to save money on your insurance policy. If you are looking to purchase a new vehicle, inquiring about the safety features may allow you to save money in the long run on your car insurance premium.
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Frequently Asked Questions
How do insurance companies determine car insurance rates for homemakers?
Insurance companies assess various factors to determine rates, including driving history, claims history, age, gender, and occupation. Homemakers often benefit from lower rates due to their typically lower-risk profile.
What discounts are commonly available for homemakers in car insurance?
Common discounts for homemakers include homemaker discounts, multi-vehicle discounts, safe-driving discounts, and bundle discounts. Providers like State Farm, USAA, and Progressive offer specific discounts tailored for homemakers.
Can being a homemaker affect my car insurance rates positively?
Yes, being a homemaker can positively influence car insurance rates. Insurance companies often consider homemakers as lower-risk drivers, leading to potential discounts and more favorable premium rates.
Are there specific coverage options that homemakers should consider in their car insurance policies?
Coverage needs vary, but homemakers may consider comprehensive coverage, liability insurance, and options like accident forgiveness. The choice depends on individual circumstances, such as the frequency of driving and the number of household members.
How can I save money on my car insurance rates as a homemaker?
To save money on car insurance, homemakers can explore discounts offered by insurance providers, bundle multiple policies for additional savings, maintain a clean driving record, and regularly compare quotes to ensure they are getting the best rates available.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.