Best Cheap Auto Insurance in Homestead, FL (2021)

The average Homestead, FL auto insurance rates are $574 per month. The minimum auto insurance in Homestead is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Homestead, Florida, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Homestead is 40.8 minutes
  • The most expensive auto insurance company in Homestead for teen drivers is Allstate
  • The minimum auto insurance required in Homestead, Florida is 10/20/10

Homestead, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Homestead can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Homestead, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Homestead to other Florida cities, including Fort Lauderdale auto insurance rates, Port St. Lucie auto insurance rates, and Hialeah auto insurance rates to see how Homestead, Florida auto insurance rates stack up.

Before you buy Homestead, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Homestead, Florida auto insurance quotes.

Minimum Auto Insurance in Homestead, Florida

Homestead, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Homestead, Florida.

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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Cheap Homestead, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Homestead, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Homestead, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Homestead, Florida is a challenge. Take a look at the annual teen auto insurance rates in Homestead, Florida.

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

Cheap Homestead, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Homestead, Florida? Take a look at the annual average rates for older drivers.

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

Cheap Homestead, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Homestead, Florida compared to the annual auto insurance rates with a clean record in Homestead, Florida.

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

Cheap Homestead, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Homestead, Florida is not easy. Compare the annual rates for DUI auto insurance in Homestead, Florida to find the best deal.

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

Cheap Homestead, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Homestead, Florida annual auto insurance rates by credit history compare.

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

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Cheap Homestead, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Homestead, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Homestead, Florida to see how car insurance rates are affected by location.

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

Cheap Homestead, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Homestead, Florida auto insurance. Find the cheapest annual Homestead, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Homestead, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Homestead, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Homestead, Florida? Check out the comparison of annual Homestead, Florida 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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Best By Category: Cheapest Auto Insurance in Homestead, Florida

Compare the cheapest auto insurance companies in Homestead, Florida in each category to find the company with the best rates for your personal needs.

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

The Cheapest Homestead, Florida Auto Insurance Companies

What auto insurance companies in Homestead, Florida are the cheapest? Compare the top Homestead, Florida auto insurance companies to find the best annual rates.

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 auto insurance rates in Homestead, Florida?

There are a lot of reasons why auto insurance rates in Homestead, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Homestead, Florida. Many local factors may affect your Homestead auto insurance rates.

Homestead Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Homestead, Florida auto theft statistics, there have been 161 auto thefts in the city.

Homestead Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Homestead, Florida commute length is 40.8 minutes according to City-Data.

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Compare Homestead, Florida Auto Insurance Quotes

Before you buy Homestead, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Homestead, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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