Cheap Auto Insurance Rates for Homemakers

Homemaker auto insurance is $126 a month on average. However, favorable factors can reduce homemaker car insurance to $90 per month. You can secure cheap auto insurance for homemakers by qualifying for a safe driver discount and a good credit discount. But savings vary for each company. Shop around and compare multiple companies to get affordable car insurance for homemakers.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Sep 3, 2021

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Can't-Miss Facts

  • On average, homemaker auto insurance is $126 a month
  • Most homemakers are female with a low risk of filing claims
  • Homemakers with a clean driving record can save at least 25% off auto insurance

Did you know homemaker auto insurance is 25% more expensive? However, specific personal characteristics can cancel that increase for homemaker car insurance and turn it into significant savings.

Our guide explains everything you need to know about homemaker auto insurance rates, the cheapest companies, and what factors can secure affordable homemaker auto insurance.

After learning about homemaker auto insurance, enter your ZIP code in the free comparison tool above to compare multiple companies in your area.

How much are homemaker auto insurance quotes?

According to the National Association of Insurance Commissioners (NAIC), the average rate for full coverage car insurance is $90 a month. Meanwhile, liability-only insurance is $46 per month on average.

For homemakers, auto insurance looks much different. That’s because homemakers drive less and thus have minimal infractions on their driving record.

But what is car insurance like for homemakers at the best insurance companies? Let’s look at the average monthly homemaker auto insurance rates below.

  • Allstate – $159/month
  • Farmers – $132/month
  • GEICO – $101/month
  • Liberty Mutual – $162/month
  • Nationwide – $95/month
  • Progressive – $144/month
  • State Farm – $135/month
  • USAA – $81/month
  • National Average $126/month

USAA, Nationwide, and GEICO are the cheapest companies for homemakers. But your auto insurance rates could vary.

Various factors determine whether affordable homemaker car insurance rates are available to you.

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Enter your ZIP code below to compare auto insurance rates.

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How do you compare male vs. female auto insurance rates?

When you’re getting homemaker car insurance quotes, alternate between male and female in the quote queries to see different results.

To give you an idea of what you might see, we’ve researched different quotes. Check out the car insurance rates we found.

Average Monthly Auto Insurance Rates by Age and Gender
AgesAverage Monthly Auto Insurance Rates for WomenAverage Monthly Auto Insurance Rates for Men
16$540$615
20$239$282
25$142$149
35$131$130
45$123$122
55$112$115
65$115$119
75$135$141
85$160$171
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Surprisingly, women between 35 and 45 years old pay $1 more than men for car insurance. All other age groups show males paying more per month for auto insurance.

However, some states have outlawed gender-based car insurance. From what we’ve seen, age is a more significant factor when determining auto insurance.

But what about other factors? Continue reading to learn about characteristics that affect car insurance for homemakers.

What factors impact homemaker auto insurance?

Age and gender aren’t the only characteristics that car insurance companies consider. Here’s a list of factors that auto insurance companies consider when you want an insurance policy.

  • Age
  • Car Insurance Company
  • Commute Mileage
  • Coverage Level
  • Credit History
  • Deductible
  • Driving Record
  • Gender
  • Location (State)
  • Marital Status
  • Occupation
  • Vehicle

Homemaking is not an occupation. When we searched for homemaker job descriptions, we found maid positions. But there was nothing specific about the homemaker occupation.

Auto insurance companies see homemakers as unemployed drivers. Your car insurance may increase because unemployed drivers have a higher risk of filing claims.

Retirees also receive the same treatment. But homemakers and retirees can offset the increase if they have good credit, a clean driving record, or drive less than average.

What type of auto insurance coverage do homemakers need?

It depends on the homemaker’s situation. A homemaker who drives a vehicle they own can carry liability-only coverage, which is the minimum car insurance requirement.

However, homemakers who drive a vehicle that still has payments are required to buy full coverage. We encourage all drivers with a financed vehicle to get a higher coverage limit, also.

It’s more expensive, but there’s a way around high costs. Read on to learn how discounts can save you money.

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Which auto insurance discounts are best for homemakers?

If you want to keep car insurance rates low, focus on qualifying for discounts. Let’s look at a list of car insurance discounts.

  • Safe Driver Discount – Up to 40%
  • Good Credit Discount – Up to 35%
  • Multi-Policy Discount – Up to 25%
  • Usage-Based Insurance Discount – Varies
  • Multi-Vehicle Discount – Varies

Maintaining a clean driving record is a sure way to keep auto insurance quotes low. Good credit is another way to access cheap auto insurance.

Auto insurance for homemakers returning to paid work may also qualify for a discount, based on their occupation.

Check with your employer to see if they have any car insurance bargains for employees.

But each company is different. Compare auto insurance from various companies to secure the best deals.

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Homemaker Auto Insurance: What’s the bottom line?

Homemaker car insurance costs depend on the person getting coverage. Any homemaker with a low risk of filing claims can secure cheap auto insurance.

When homemakers find employment, they may see a slight decrease in car insurance. Ultimately, a clean driving record can provide the most affordable rates for homemakers.

Before you buy homemaker auto insurance, use our free online quote tool below to compare multiple companies near you.

Frequently Asked Questions: Homemaker Auto Insurance

Do you want to know a little more about car insurance for homemakers? Read these answers to frequently asked questions to learn more about auto insurance for homemakers.

#1 – How do deductibles affect homemaker auto insurance?

Lower deductibles drive up car insurance rates, but higher deductibles halt expensive car insurance rates.

#2 – Can homemakers get cheaper auto insurance rates if they’re married?

The answer is yes. Married drivers statistically take less risk than single drivers. Therefore, married homemakers will likely pay less for car insurance.

#3 – Will a lapse in auto insurance increase rates?

Yes, it can. Coverage gaps may put you in a high-risk pool. If you’re a high risk, your car insurance rates will go up.

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