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Get Cheap Car Insurance in Homestead, Portland, OR

We monitor insurance prices, helping the average driver in Homestead save up to 34.7% on car insurance.

 

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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 Metromile, followed by State Farm, Country Financial, and Travelers.

 
Homestead Insurer Monthly Cost
Metromile $75
State Farm $75
Country Financial $84
Travelers $87

Savings for Every Kind of Homestead Driver

The table shows how much the average auto insurance customer in Homestead might save by following our recommendations.

Based on our extensive insurance data, we know the average Homestead driver will save about 32% 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 $558 per year by choosing the right vehicle insurance company. Some Homestead residents are paying out over $1,756 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, Portland, OR Savings / Yr.
Drivers with good records
$558
Drivers with accidents
$830
Drivers with speeding tickets
$677
Drivers with a DUI conviction
$760
Young drivers
$2,018
Married drivers
$545
Drivers with bad credit
$650

Homestead Car Insurance vs. Portland

People living in Homestead pay an average of 16.44% more than the typical driver in the state. The average driver in Homestead can expect to pay about $1,355 per year, or $1,756 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Homestead for most people.

Car Insurance Prices by Homestead Neighborhood

Homestead, Portland, OR map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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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 $262 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,840 to a low of $1,578. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southwest parts of Homestead.

Pick the Best Car Insurance Company for You in Homestead

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Homestead insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Homestead

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $558 over the average Homestead car insurance company.

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We use the average good driver, paying $100 per month, as our baseline for pricing in Homestead. State Farm, Metromile, and Mile Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Homestead drivers with accidents on their records

In Homestead getting into an accident will raise premiums an average 37% for a yearly cost of $2,779. That's $1,024 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Metromile, and Mile Auto are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $830 over the competition.

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The best car insurance company for Homestead drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $677 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Homestead, tickets raise premiums on new quotes about $750. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Metromile for savings that beat the average insurance cost of $2,506 per year.

The best auto insurance for Homestead drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,415 per year in auto insurance premiums, which was $659 more than a driver with no major issues. State Farm, Mile Auto, and Kemper penalized their customers the least for a DUI.

Getting a quote from Mile Auto may cost the average person with a DUI about $760 less each year.

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The least expensive car insurance company for new and young drivers in Homestead

In Homestead, Country Financial costs young drivers $2,018 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 70% more for insurance than more mature drivers in Homestead. With an average cost of $5,820 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Country Financial try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Homestead

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $98. State Farm, Progressive, and Country Financial provided the largest discounts to couples living in Homestead.

State Farm gave the largest car insurance discounts to married couples, averaging $545 saved each year compared to an average Homestead couple's premiums.

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The cheapest car insurance in Homestead for drivers with bad credit

People with poor credit saved an average of $650 with Mile Auto.

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Many people are surprised that their poor credit score can cost them an average of $884 every year. Premiums for people with poor credit were about $2,640 in Homestead. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Mile Auto, Kemper, and Country Financial.

The best Homestead car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Homestead, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Country Financial as the best provider in Homestead.

Nationwide was the best company for customer service in Homestead according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Homestead, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Homestead. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Homestead

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 64% of Homestead residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Homestead driver can expect to pay about $97 per month.

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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 drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with speeding tickets, young drivers, married couples, and drivers with accidents.
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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 neighborhood are influenced by the following factors:

  • The average commute time in Homestead is 27 minutes, which is a little less than average for a driver in the city.
  • Oregon state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Homestead are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Homestead is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Homestead is $113 per month for minimum coverage and $146 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Homestead driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Homestead with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.