Cheapest Car Insurance Quotes in Homestead Meadows South

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Homestead Meadows South Car Insurance

^$ 44

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Homestead Meadows South

The car insurance rate in Homestead Meadows South is $1078 for a six-month policy, which is $31 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $685, making it a popular choice for budget-conscious drivers. Rates in Homestead Meadows South can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Homestead Meadows South

$1078

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Homestead Meadows South

1st place: Texas Farm Bureau

At $685 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $814 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $838 for six months, making it the third cheapest auto insurance company in Homestead Meadows South.

Homestead Meadows South Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Homestead Meadows South, TX is Texas Farm Bureau, offering policies at just $685 for a six-month term. This is followed by Mercury, which has an average six-month premium of $814.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1169 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Homestead Meadows South drivers find the best deals.

Cheap Car Insurance Companies in Homestead Meadows South, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$685	$115
Mercury	$814	$138
State Farm	$838	$141
AAA Texas	$851	$144
USAA	$936	$158
Redpoint Insurance	$1003	$171
Progressive	$1157	$195
Southern County Mutual	$1328	$226
Allstate	$1579	$266
Farmers	$2527	$430
Redpoint County Mutual	$985	$168
Geico County Mutual	$1101	$187
Germania	$441	$73
AAA	$770	$129
National General	$1169	$195

Key Takeaways

Way's key takeaways about car insurance in Homestead Meadows South

The auto insurance costs in Homestead Meadows South fall around $685 for six months.
The cheapest auto insurance company in Homestead Meadows South is Texas Farm Bureau.
Teen drivers pay the highest rate in Homestead Meadows South at $75 per month.

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Cheapest Minimum Liability Car Insurance in Homestead Meadows South

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Homestead Meadows South are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Homestead Meadows South. Their Average 6 Month Premium is $263. Germania is the most expensive at $441 for the same period.

Cheapest Liability Coverage in Homestead Meadows South, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$263	$44
USAA	$294	$49
Progressive	$306	$52
State Farm	$312	$53
Redpoint Insurance	$343	$57
Mercury	$398	$67
AAA Texas	$441	$73
Allstate	$606	$102
Farmers	$997	$166
Redpoint County Mutual	$331	$55
Geico County Mutual	$343	$59
National General	$379	$63
Germania	$441	$75

Cheapest Full Coverage Car Insurance in Homestead Meadows South

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Homestead Meadows South is Texas Farm Bureau at $115 per month and $685 for six months.

Cheapest Full Coverage Car Insurance Quotes in Homestead Meadows South, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$685	$115
Mercury	$814	$138
State Farm	$838	$141
AAA Texas	$851	$144
USAA	$936	$158
Redpoint Insurance	$1003	$171
Progressive	$1157	$195
Southern County Mutual	$1328	$226
Allstate	$1579	$266
Farmers	$2527	$430
Redpoint County Mutual	$985	$168
Geico County Mutual	$1101	$187
Germania	$441	$73
AAA	$770	$129
National General	$1169	$195

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Average Car Insurance in Homestead Meadows South by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Homestead Meadows South, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Homestead Meadows South, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Homestead Meadows South's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Homestead Meadows South

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$720
40s	Nationwide	$715
50s	Texas Farm Bureau	$638
60s	Texas Farm Bureau	$589
70s	Texas Farm Bureau	$632

Cheapest Car Insurance Rates for Teen Drivers in Homestead Meadows South,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Homestead Meadows South at $58 per month. At $453 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$349	$58
Southern County Mutual	$453	$77
Mercury	$489	$81
AAA Texas	$557	$95
Texas Farm Bureau	$1217	$205
USAA	$1328	$224
State Farm	$1377	$232
Allstate	$3457	$582
Progressive	$5898	$993
Farmers	$8247	$1402
Redpoint County Mutual	$337	$58
Geico County Mutual	$453	$75

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Homestead Meadows South.

As young drivers face the highest rates in Homestead Meadows South, Texas Farm Bureau offers the cheapest auto insurance rates at $720 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Homestead Meadows South, Mercury is the cheapest car insurance provider. At $533 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Homestead Meadows South is State Farm, offering rates of around $4620 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$533	$91
Foremost	$637	$106
AAA Texas	$679	$115
Dairyland	$789	$132
Allstate	$1034	$176
USAA	$1059	$176
Texas Farm Bureau	$1193	$203
Progressive	$1652	$278
Farmers	$4185	$712
State Farm	$4620	$769

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Car Insurance Rates with An Accident in Homestead Meadows South

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Homestead Meadows South, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Homestead Meadows South

The cheapest car insurance companies after an at-fault accident in Homestead Meadows South include Redpoint Insurance and Southern County Mutual, offering $349 and $422, respectively. National General is an expensive provider with an average six-month premium of $593.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$349	$58
Southern County Mutual	$422	$72
State Farm	$649	$109
AAA Texas	$655	$111
Mercury	$795	$133
USAA	$972	$164
Texas Farm Bureau	$1076	$181
Progressive	$2000	$337
Allstate	$2252	$379
Farmers	$6944	$1180
Redpoint County Mutual	$337	$56
Geico County Mutual	$422	$72
National General	$593	$101

Homestead Meadows South Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Homestead Meadows South TX. For example, the car insurance in Homestead Meadows South after a DUI increases to $808 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Homestead Meadows South auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1321	$220
One Med/PIP claim	$1334	$227
One comp claim	$1401	$234
Not-at-fault accident	$1413	$240
Two Med/PIP claims	$1419	$237
Failure to show documents	$1469	$249
Driving with expired registration	$1480	$247
Two comp claims	$1492	$253
Cell phone violation	$1505	$251
Driving without lights	$1505	$255
Texting while driving	$1505	$251
Driving too slowly	$1511	$256
Speeding 11 - 15 MPH over limit	$1511	$252
Speeding 16 - 20 MPH over limit	$1511	$256
Speeding 6 - 10 MPH over limit	$1511	$252
Speeding in school zone	$1511	$256
Child safety restraint	$1517	$253
Failure to wear a seat belt	$1517	$258
In 65 MPH zone	$1523	$254
Failure to stop at a red light	$1530	$261
Failure to yield	$1530	$255
Following too closely	$1530	$261
Illegal turn	$1530	$255
Improper passing	$1530	$261
Speeding 21 - 25 MPH over limit	$1530	$255
Passing school bus	$1536	$262
Wrong way/wrong lane	$1536	$255
Operating a vehicle without permission	$1542	$263
At-fault accident - less than $1000	$1603	$267
Open container	$1805	$307
Driving with a suspended license	$1873	$312
Racing	$1983	$337
Reckless driving	$1983	$331
Leaving scene of an accident/hit and run	$2031	$345
At-fault accident - $1000-$2000	$2037	$340
Refusal to submit to a chemical test	$2098	$356
DUI	$2129	$355
At-fault accident - greater than $2000	$2215	$377

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Homestead Meadows South after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Homestead Meadows South.

The cheapest car insurance premiums in Homestead Meadows South are offered by Mercury at $526 for a six-month policy. However, it can be as expensive as $3188 with companies like Farmers.

Homestead Meadows South car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$526	$88
Foremost	$593	$101
Dairyland	$649	$108
AAA Texas	$685	$116
State Farm	$857	$144
Texas Farm Bureau	$1016	$173
Progressive	$1284	$216
USAA	$1315	$221
Allstate	$1677	$282
Nationwide	$1731	$295
Farmers	$3188	$531

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Homestead Meadows South are offered by State Farm at $477. However, it can be as expensive as $3469 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Homestead Meadows South after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$477	$80
Texas Farm Bureau	$526	$90
Mercury	$545	$91
AAA Texas	$581	$99
USAA	$765	$128
Allstate	$1034	$176
Progressive	$1781	$297
Farmers	$3469	$590

Car Insurance Price Trends in Homestead Meadows South, Texas

Car insurance rates in Homestead Meadows South have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Homestead Meadows South remained steady at $213 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Homestead Meadows South rose to $66 in December, compared to $64 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Homestead Meadows South?

The car insurance in Homestead Meadows South is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Homestead Meadows South?

The cheapest car insurance in Homestead Meadows South is $115 per month for full coverage.

How much is car insurance in Homestead Meadows South for teenagers?

Car insurance for teenagers costs $349 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Homestead Meadows South?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $182 per month to insure your car in Homestead Meadows South.

Is car insurance expensive in Homestead Meadows South?

Car insurance can be expensive in Homestead Meadows South if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Homestead Meadows South can be affordable.

Cheapest Car Insurance Quotes in Homestead Meadows South

Why you can trust Way?

How Much Is Car Insurance in Homestead Meadows South

Avg. Car Insurance in Homestead Meadows South

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Homestead Meadows South

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Homestead Meadows South Car Insurance Rates by Company

Cheap Car Insurance Companies in Homestead Meadows South, TX

Way's key takeaways about car insurance in Homestead Meadows South

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Homestead Meadows South

Cheapest Liability Coverage in Homestead Meadows South, TX

Cheapest Full Coverage Car Insurance in Homestead Meadows South

Cheapest Full Coverage Car Insurance Quotes in Homestead Meadows South, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Homestead Meadows South by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Homestead Meadows South, TX increasing?

Car Insurance Premiums by Age in Homestead Meadows South

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Homestead Meadows South,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Homestead Meadows South.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Homestead Meadows South

Cheapest Car Insurance Companies after an At-Fault Accident in Homestead Meadows South

Homestead Meadows South Car Insurance Rates by Violation

Homestead Meadows South auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Homestead Meadows South after a DUI

Homestead Meadows South car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Homestead Meadows South after Speeding ticket

Car Insurance Price Trends in Homestead Meadows South, Texas

Average Car Insurance Cost in Homestead Meadows South by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Homestead Meadows South, TX

Car Insurance Rates by State in the USA (2025 Update)

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