Car Insurance Liability Requirements in Homestead
- Minimum Liability Limits in Homestead: 10/20/10 
- 10 Required coverage up to $10,000 for one individual injured in an accident
- 20 Required coverage up to $20,000 for all persons injured in an accident
- 10 Required coverage up to $10,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.
- Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.
Required Car Insurance Coverage in Homestead
- Homestead Auto Insurance Coverage Requirements 
- Property damage liability coverage
- Personal injury protection coverage
Car Insurance Verification Laws in Homestead
- Insurer Verification of Auto Insurance in Homestead 
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Homestead Car Insurance Facts, Estimates & Related Laws
Homestead Car Insurance Stats
- Number of Auto Insurance Policies in Homestead
- Based on historical and current data, 36,818 cars are currently insured in Homestead. 
- Florida cities collectively ranked 3rd in the nation in auto insurance policies in 2011 with a total of 11,439,646. 
- Uninsured Motorist Rate in Homestead
- Based on historical and current data, Homestead has an estimated 10,500 uninsured drivers. 
- Florida cities collectively had the 5th highest uninsured motorist rate in the nation in 2009. 
- Average Car Insurance Rates in Homestead
- Florida cities collectively had the 5th highest auto insurance rates in the nation in 2010. 
Homestead Distracted Driving Laws
- Hand-held phone ban? No
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for all drivers. 
- Young drivers cell phone ban? No
- Bus driver cell phone ban? No
- Enforcement of laws:
- Primary enforcement in effect. 
- With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.
Homestead Automotive Laws
- Minimum Driving Age in Homestead 
- Homestead, FL minimum driving age: 15 years.
- Driver's License Renewal Cycle in Homestead
- Renewal cycle: 8 years 
- Motorcycle Helmet Laws in Homestead
- Motorcycle helmets required for 20 and younger. 
- All riders younger than 21 years are required to wear helmets, without exception. Those 21 years and older may ride without helmets only if they can show proof that they are covered by a medical insurance policy. 
- Safety Belt Laws in Homestead
- Safety belt laws have been in place since 1986 and apply to drivers/passengers 6+ years in front seat; 6 through 17 years in all seats. 
- Child restraint law in place for 3 years and younger. 
Florida Car & Driver Facts
Florida Auto Registrations
- Auto Registrations in FL 
- Registered Cars: 7,981,816
- Registered Trucks: 6,878,085
- Registered Motorcycles: 574,346
- Total Registrations: 15,469,189
- Rank: Florida ranked 3rd in the United States in total auto registrations in 2011.
Florida Automotive Facts
- Speed Limits in FL
- Rural interstates: 70 mph 
- Urban interstates: 65 mph 
- Other roads: 65 mph 
- Florida Motor Fuel Consumption
- Florida cities collectively ranked 3rd in the nation in total motor fuel consumption in 2011. 
Florida Licensed Drivers
- Licensed Drivers in FL 
- Female Drivers: 7,124,172
- Male Drivers: 6,758,251
- Total Drivers: 13,882,423
- Rank: 3rd highest in the U.S.
Additional information about Homestead, FL
Homestead (Florida) is a city with a population of 60,512  that is located in Miami-Dade County.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau
6. ^ Insurance Research Council (IRC) and United States Census Bureau
7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ Insurance Institute for Highway Safety (IIHS)
10. ^ U.S. Department of Transportation
11. ^ Federal Highway Administration
12. ^ United States Census Bureau
13. ^ National Highway Traffic Safety Administration (NHTSA)
14. ^ National Telecommunications & Information Administration (NTIA)