Homestead, FL Auto Insurance Rates

Homestead, FL residents can save $920 by comparing multiple quotes & reading reviews & research on Homestead car insurance rates, quotes, agents & coverage.

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$1,451 $2,307 $4,132

Latest Auto Insurance Reviews in Homestead, Florida


Geico
It's the least expensive I've found for the same, or better, liability coverage. I'm happy with it because I get a discount for paying six months at a time online.
Citizens Property Insurance
My premium is average as far as costs go. It's a necessity so no use complaining about it. My only complaint would be when to pay the premium.
Usaa
It seems as though my premium is affordable, given the coverage that I have. I think the offerings are appropriate and suitable for my needs.
Esurance
The premium with essurance is slightly lower than the premiums with other insurance companies for the same coverage. It is reasonable and there is not a large charge to break the payments up versus paying it for a year at a time.
Allstate
I wish I could have a lower premium. Insurance costs are so high and I feel like I am not getting as much as I should for the money I pay. I think you pay a company enough every year that they should give you the best coverage. Especially when you have no claims to increase costs.
Progressive
The premium is of really good value compared to other insurance agencies that I have looked into. On the flip side, there are some extras that are not included in that price.
Geico
Unfortunately one of the main drivers in my policy got in an accident causing the rate to go up, but it is still competitive with others based on driving history.
Usaa
This is the only company I could find that offered coverage in the US and in the Virgin Islands
Geico
less expensive for the same coverage
Allstate
Honestly I have not look at any competing companies, I have been very satisfied with the rates I have been offered and have not felt the need to look at other providers.
Geico
Compared to other insurance providers, I am able to have a lower deductible and higher coverage for a lower price.
Usaa
I get full coverage for a very good price compared to my old insurance agency.
Geico
Affordable
State Farm
Dependable service without penalty for using
Usaa
available customer service reps used to be affordable
State Farm
My insurance is comparable to other insurance companies.
Usaa
They have an app as well as a very friendly and efficient call center staff. The last time I used a claim I had a tow truck in 10 minutes and I wasn't in an especially well-populated area.
Usaa
I honestly can say that there is not much I would change. I have never had an issue with their customer service and have always been great.
Usaa
There may not be any physical locations for my company, but when you call them, they do everything they possibly can to fix whatever problem you are calling with.
Citizens Property Insurance
Being able to communicate through email is great. Having the ability to text chat and face time is paramount. Being we live in the country, it takes a while to get anywhere.
Geico
I like that it is all auto-pay so I don't have to really think about it. If I need any information, I will just go to the Geico website and see all the information there.
Usaa
I"m apprehensive about calling in to speak with an agent because I feel like I may admonish for my history versus advised for ways to improve my experience.
Usaa
They offered coverage worldwide with affordable premiums and excellent coverage options that I was able to custom fit to my needs. I would recommend them to anyone.
Geico
Prices, coverage, accessibility.
Geico
Well, I don't need comp in order to get roadside assistance. I an PARANOID car no go in the middle of nowhere. My only problem is the deadline.One time left stupid lights on the car and it was in a parking lot so no problem there. 1-hour service.
Usaa
I mostly like the customer service, when we have called in the past they have bent over backward to help us or save us money.
Usaa
I love that USAA takes care of my banking and my insurance at the same time. It is very convenient for me to only have one website/company to deal with so many things at one time.
Geico
I have all the access I can with Geico 24/7. It is great to be able to get in touch with Geico whenever I need to. The policy has been great and the price I pay is definitely worth it.
Citizens Property Insurance
Always willing to help. Never catch any flack from them about why I'm filing a claim. Agents are helpful and courteous and go above and beyond their duty every time I deal with them.
Motorist Insurance
The only thing I like about the company is that it's the cheapest insurance available to me. I plan on looking elsewhere soon though.
Liberty Mutual
I like them because they are not intrusive, I make my payments and they leave me alone. I think their cost is reasonable. I don't have any problems with them.
Geico
I like the prices for my coverage--Geico is very competitive and I feel like they work to get you the best possible rate. They make the claims process quick and easy.
Esurance
the best thing for me about it is that the premium is the lowest I could find and I can combine it with my rental insurance to make it even cheaper
Geico
It is easy to get in contact with the company, people are friendly and helpful. Everything has gone smoothly and I am saving money. No complaints thus far.
Usaa
I personally have no dislikes. I believe you have to be affiliated with the military to use them by blood or marriage so they are not available to everyone. But I would recommend them to anyone who qualifies.
Progressive
I don't dislike anything about the company. I will never go through another company
Geico
I wish the premium were lower. Other than that, I like everything about them.
Geico
I wish I had a lower price on insurance since I barely drive around at all and there is no freaking traffic out here except deer and cattle.
Usaa
Once again, I don't have anything bad to say, I guess I would always like cheaper rates in general.
Usaa
What most people don't like about USAA is that there aren't any physical locations that we could walk into and deal with stuff.
Citizens Property Insurance
Costs are always going up. At least once a year I have an added cost added to my bill and have to call and have them correct it. It gets frustrating at times.
Usaa
I would like it if there was a way to have the best coverage with a more affordable option. I would also like to feel like I can call in to express my concerns openly.
Write Your Review | Homestead, Florida Auto Insurance Analysis
Chubb Group Of Insurance, Homestead, FL
$172/1 month
Car Insurance Policy Holder
  • Single 74 Years old Male licensed 2 years ago with Own Dodge Charger SE used for Commute to Work or School with estimated annual mileage of 20,001+.
  • high school education & Retired.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $10K (Per Person Bodily Injury) / $20K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 25 K Personal Injury Protection
  • 10 K Uninsured Motorists Bodily Injury
  • 20 K Uninsured Motorists Property Damage

Homestead Car Insurance Rate Comparisons

Homestead, FL's average car insurance of $2307 differs from Homestead Base, FL (-$517), Goulds, FL (-$767), Princeton-Goulds, FL (-$1057) and Florida (-$943)

Homestead Homestead Base, FL Goulds, FL Princeton-Goulds, FL Florida
Median Insurance Rates $2307 -$517 -$767 -$1057 -$943

Homestead Car Insurance Savings By Neighborhood & Street Area

Homestead Driver Street Residence & Car Locations Car Details in Homestead Homestead Driver Demographics Homestead Auto Insurance Estimates Recent Homestead Insurance Savings
Other Area
SW 392nd St1999 Cadillac Seville STS43 year woman$2,333$931
SW 180th Ave2005 Chrysler Pacifica Base18 year male teenager$5,624$723
Boardwalk Mobile Home Park
SE 1st Rd2006 Buick Rendezvous CX62 year senior$3,038$967
Red Rd2009 Ford Fusion SEL17 year teenager$5,528$713
Palm Garden Manufactured Home Community
SW 300th Ter2010 Mazda Mazda3 s Sport16 year female teenager$5,244$500
SW 289th St2012 Hyundai Sonata GLS73 year male senior$3,444$621
Goldcoaster Mobile Home Park
SW 349th St2010 Toyota Prius 70 year female senior$3,189$573
SW 348th St2012 Dodge Journey Crew42 year married man$3,577$429
Homestead Trailer Park
SW 10th Ave2007 Lexus GS 350 Base46 year married woman$2,079$398
NW 187th Ave2013 Honda Civic LX42 year man$3,593$736

Homestead Post DUI Car Insurance Rates

Homestead Richmond West Islandia Country Walk Florida
Median Post DUI Insurance Rate $4291 -$2543 -$999 -$869 -$1754
Male Teenager Post DUI Insurance Rate $11541 -$6839 -$2686 -$2336 -$4717
Female Teenager Post DUI Insurance Rate $10296 -$6100 -$2395 -$2083 -$4209

The Post DUI insurance in Homestead, FL's is $4291 compared to Richmond West (-$2543), Islandia (-$999), Country Walk (-$869) and Florida (-$1754)

In Homestead, a male teenager with Post DUI pays $1245 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Buick Rendezvous CX in Homestead, FL would pay $10270 on auto insurance while a female teenager POST DUI would pay $9164.

Homestead Car Insurance by Segment

Homestead Teenagers Car Insurance Rates Comparison

8172 Homestead Teenagers (7% of total population), 50% Male & 50% Female.

Homestead Cutler Bay Palmetto Estates Upper Keys Florida
All Teenagers $5813 -$3344 -$2336 -$1252 -$2376
Male Teenager $6205 -$3569 -$2493 -$1337 -$2536
Female Teenager $5536 -$3184 -$2224 -$1192 -$2263

Homestead teenagers pay $5813 in insurance in contrast with Cutler Bay (-$3344), Palmetto Estates (-$2336), Upper Keys (-$1252) and Florida (-$2376). The difference between Male & Female teenagers in Homestead is $669

Example

  • 2005 Chevrolet Silverado 2500HD Work Truck Male Teenager Insurance Rate $5,996
  • 2011 Nissan Rogue SV Female Teenager Insurance Rate $5,484

Homestead Men & Women Car Insurance

114304 Homestead Adults (100% of total population), 53% Men & 47% Women.

Homestead North Key Largo Islandia Miami-Dade County Florida
All Women $2122 -$402 -$494 -$1239 -$868
Married Women $1937 -$367 -$451 -$1131 -$792
All Men $3806 -$721 -$886 -$2222 -$1556
Married Men $3691 -$699 -$859 -$2155 -$1509

The typical insurance rate of $3806 that Homestead Men pay varies from North Key Largo (-$721), Islandia (-$886), Miami-Dade County (-$2222) and Florida (-$1556). In Homestead, married men pay $1754 more than married women.

Example

  • 2014 Kia Sorento LX Married Men Insurance Rate $3,752
  • 2014 Jeep Wrangler Sport Married Women Insurance Rate $3,313

Homestead Senior Car Insurance

12103 Homestead Seniors (10% of total population), 46% Senior Men & 54% Senior Women.

Homestead Islandia Upper Keys Princeton-Goulds Florida
All Seniors $3414 -$795 -$736 -$1564 -$1396
Senior Men $3506 -$816 -$755 -$1606 -$1433
Senior Women $3322 -$774 -$716 -$1522 -$1358

Homestead seniors pay $3414 in insurance compared to Islandia (-$795), Upper Keys (-$736), Princeton-Goulds (-$1564) and Florida (-$1396). In Homestead, senior men pay $184 more than senior women.

Homestead Car Insurance Discounts for Multiple Vehicles

Homestead Population with 1 Vehicle 12907 (42% of Homestead population), 2 Vehicles 10157 (33% of the Homestead population) and 3 vehicles 2700 (9% of the population)

Homestead Princeton Islandia Key Largo Florida
2 Vehicles $4384 -$1553 -$1021 -$850 -$1792
3 Vehicles $6691 -$2370 -$1558 -$1297 -$2735
4 Vehicles $8998 -$3187 -$2095 -$1744 -$3678