Homestead Base Auto Insurance Rates, Quotes, Agents & Reviews in FL

Homestead Base, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Homestead Base, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Homestead Base, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Homestead Base, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Homestead Base, FL with that of other cities in and around Homestead Base.

Homestead Base Princeton-Goulds Leisure City South Miami Heights Princeton Naranja
Average Insurance Rates $1,880 $2,205 $2,097 $1,491 $2,186 $2,129

Homestead Base, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Homestead Base, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Homestead Base $1,936 $1,636
Naranja $2,850 $2,407
Leisure City $1,656 $1,399
Princeton $1,748 $1,476
Princeton-Goulds $1,590 $1,343
Goulds $1,238 $1,046
Florida City $1,618 $1,367
South Miami Heights $952 $804

Homestead Base, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Homestead Base, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,100
20 Years $2,416
30 Years $1,861
40 Years $1,790
50 Years $1,658
60 Years $1,681
70 Years $1,957

Homestead Base, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Homestead Base, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,196 $564
3 Vehicles $4,794 $846
4 Vehicles $6,392 $1,128

Savings on 2 Vehicles bundle:$564

Savings on 3 Vehicles bundle:$846

Savings on 4 Vehicles bundle:$1,128


Homestead Base, FL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Homestead Base, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Homestead Base $1,880 $2,942
Naranja $2,129 $3,332
Leisure City $2,097 $3,282
Princeton $2,186 $3,421
Princeton-Goulds $2,205 $3,451
Goulds $2,183 $3,417
Florida City $2,086 $3,265
South Miami Heights $1,491 $2,333

Homestead Base, FL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,613
Excellent (740-799) $1,841
Good (670-739) $1,959
Average (580-669) $2,556
Poor (300-579) $3,066

Homestead Base, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$83 $1,963
Driver's Failure In Showing Documents +$182 $2,062
Driving With An Expired Registration +$194 $2,074
Driving At A Considerably Slow Pace +$408 $2,288
Using A Cellphone While Driving +$431 $2,311
Running A Red Light +$438 $2,318
Speeding +$461 $2,341
Driving A Vehicle Without The Required Permission +$585 $2,465
Driving With An Expired/Suspended License +$1,267 $3,147

Homestead Base, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,805
Active Disabling Device $1,805
Tracking Device $1,767
Passive Disabling Device $1,748