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Get Cheap Car Insurance in Homestead, FL
We monitor insurance prices, helping the average driver in Homestead save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Homestead
The chart below shows the cheapest car insurance company in Homestead for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Homestead Insurer | Monthly Cost |
|---|---|
| Geico | $155 |
| State Farm | $164 |
| Gainsco | $215 |
| Bristol West | $215 |
Savings for Every Kind of Homestead Driver
Based on our extensive insurance data, we know the average Homestead driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $950 per year by choosing the right vehicle insurance company. Some Homestead residents are paying out over $3,247 extra every year for auto insurance in Homestead. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Homestead, FL Savings / Yr. |
|---|---|
$950 |
|
$1,395 |
|
$1,073 |
|
$1,062 |
|
$3,373 |
|
$922 |
|
$1,343 |
Homestead Car Insurance vs. Florida
People living in Homestead pay an average of 22.89% more than the typical driver in the state. The average driver in Homestead can expect to pay about $2,964 per year, or $3,247 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Homestead for most people.
Car Insurance Prices by Homestead Neighborhood
Insurance Prices
Where is insurance cheapest within Homestead?
The map shows insurance prices in and around Homestead, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $959 per year within the city boundaries, with insurance premiums ranging from a high of $3,563 to a low of $2,604. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Homestead.Pick the Best Car Insurance Company for You in Homestead
The best car insurance provider for most drivers in Homestead
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $950 over the average Homestead car insurance company.
The best car insurance provider for Homestead drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,395 over the competition.
The best car insurance company for Homestead drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,073 better than other car insurance companies.
The best auto insurance for Homestead drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $1,062 less each year.
The least expensive car insurance company for new and young drivers in Homestead
In Homestead, Geico costs young drivers $3,373 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Homestead
Geico gave the largest car insurance discounts to married couples, averaging $922 saved each year compared to an average Homestead couple's premiums.
The cheapest car insurance in Homestead for drivers with bad credit
The best Homestead car insurance company for customer service
Recent price drops
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The cheapest large national provider in Homestead
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Homestead driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Homestead, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Homestead
What Influences the Cost of Car Insurance in Homestead?
On average, car insurance in Homestead is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Homestead is 49 minutes, which is far more than average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Homestead are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Homestead is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Homestead is $247 per month for minimum coverage and $271 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Leisure City: Insurance costs 4.59% more
- Florida City: Insurance costs 0.12% more
- Naranja: Insurance costs 5.51% more
- Princeton: Insurance costs 4.50% more
- Redland: Insurance costs 13.15% less
- Goulds: Insurance costs 5.39% more
- South Miami Heights: Insurance costs 5.91% more
- Richmond West: Insurance costs 0.25% less
- Perrine: Insurance costs 4.34% more
- Cutler Bay: Insurance costs 1.02% more
Cities with Similar Populations
- Bayonne: Insurance costs 31.44% less
- Beaverton: Insurance costs 48.01% less
- Alafaya: Insurance costs 15.46% less
- Anaheim: Insurance costs 30.46% less
- Atascocita: Insurance costs 43.02% less
- Austin: Insurance costs 45.55% less
- Alhambra: Insurance costs 25.44% less
- Apple Valley: Insurance costs 35.26% less
- Antioch: Insurance costs 31.84% less
- Beaumont: Insurance costs 45.77% less