Best Ocoee, FL Car Insurance in 2024
Car insurance in Ocoee, FL averages $377 a month. Ocoee, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Ocoee car insurance rates, compare quotes from the top car insurance companies in Ocoee, FL.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Ocoee for teen drivers is Geico
- Average car insurance rates in Ocoee, FL are $4,526/year
- Average car insurance rates in Ocoee, FL after a DUI are $5,457/year
If you need to buy Ocoee, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Ocoee, FL is right here.
You’ll find Ocoee car insurance rates, the cheapest Ocoee, FL car insurance companies, and information on Florida car insurance laws. You can also compare Ocoee, Florida car insurance rates to Orlando car insurance rates, Port St. Lucie car insurance rates, and Miami car insurance rates.
Ready to find affordable Ocoee, FL car insurance today? Enter your ZIP code for fast, free Ocoee car insurance quotes.
Cheapest Ocoee, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Ocoee, FL car insurance rates? Every Ocoee, Florida car insurance company weighs these factors differently, so check out the comparison rates. Compare car insurance rates by age and gender to learn more.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,251 | $4,083 | $3,713 | $3,781 | $14,935 | $16,286 | $4,248 | $4,319 |
| Geico | $2,933 | $2,945 | $2,743 | $2,743 | $5,205 | $6,464 | $3,226 | $3,257 |
| Liberty Mutual | $3,881 | $3,881 | $3,548 | $3,548 | $8,295 | $12,826 | $3,881 | $5,295 |
| Nationwide | $2,877 | $2,837 | $2,567 | $2,654 | $6,956 | $8,557 | $3,169 | $3,293 |
| Progressive | $3,572 | $3,370 | $3,071 | $3,282 | $10,121 | $11,014 | $4,303 | $4,105 |
| State Farm | $1,983 | $1,983 | $1,798 | $1,798 | $5,900 | $7,551 | $2,208 | $2,371 |
| USAA | $1,570 | $1,542 | $1,467 | $1,453 | $5,419 | $6,293 | $1,961 | $2,115 |
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Minimum Car Insurance in Ocoee, FL
How much car insurance do you need? Every driver must carry the minimum car insurance in Ocoee, FL. Take a look at the Florida car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Ocoee, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Ocoee, FL. Compare credit history car insurance rates in Ocoee from top companies for good, fair, and poor credit. You can also get discounts depending on your credit score. What is a good credit discount? This is a discount insurance companies will give customers if they have great credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,717 | $6,148 | $4,991 |
| Geico | $5,378 | $3,251 | $2,439 |
| Liberty Mutual | $7,298 | $5,331 | $4,304 |
| Nationwide | $5,148 | $3,777 | $3,416 |
| Progressive | $6,971 | $4,958 | $4,136 |
| State Farm | $4,393 | $2,864 | $2,340 |
| USAA | $4,439 | $2,169 | $1,574 |
Cheapest Ocoee, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare car insurance rates with a bad driving record in Ocoee, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,983 | $7,179 | $7,993 | $6,653 |
| Geico | $2,562 | $3,282 | $4,898 | $4,016 |
| Liberty Mutual | $4,023 | $5,272 | $7,727 | $5,555 |
| Nationwide | $3,504 | $3,851 | $5,202 | $3,897 |
| Progressive | $4,223 | $6,256 | $5,265 | $5,674 |
| State Farm | $2,920 | $3,477 | $3,199 | $3,199 |
| USAA | $2,129 | $2,635 | $3,912 | $2,233 |
Cheapest Ocoee, FL Car Insurance for Teen Drivers
Teen car insurance in Ocoee, FL can be expensive. Compare car insurance rates for teen drivers from the top car insurance companies in Ocoee for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,935 | $16,286 |
| Geico | $5,205 | $6,464 |
| Liberty Mutual | $8,295 | $12,826 |
| Nationwide | $6,956 | $8,557 |
| Progressive | $10,121 | $11,014 |
| State Farm | $5,900 | $7,551 |
| USAA | $5,419 | $6,293 |
Cheapest Ocoee, FL Car Insurance for Seniors
Take a look at Ocoee, FL car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,713 | $3,781 |
| Geico | $2,743 | $2,743 |
| Liberty Mutual | $3,548 | $3,548 |
| Nationwide | $2,567 | $2,654 |
| Progressive | $3,071 | $3,282 |
| State Farm | $1,798 | $1,798 |
| USAA | $1,467 | $1,453 |
Cheapest Ocoee, FL Car Insurance Rates After a DUI
A DUI in Ocoee, FL increases car insurance rates. Compare car insurance rates after a DUI in Ocoee, Florida by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,993 |
| Geico | $4,898 |
| Liberty Mutual | $7,727 |
| Nationwide | $5,202 |
| Progressive | $5,265 |
| State Farm | $3,199 |
| USAA | $3,912 |
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Cheapest Ocoee, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Ocoee, FL by commute? Get lower car insurance by driving less. Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,754 | $7,150 |
| Geico | $3,672 | $3,707 |
| Liberty Mutual | $5,459 | $5,830 |
| Nationwide | $4,114 | $4,114 |
| Progressive | $5,355 | $5,355 |
| State Farm | $3,089 | $3,309 |
| USAA | $2,697 | $2,758 |
The Best Cheap Car Insurance Companies in Ocoee, FL
Take a look at a side-by-side comparison of the top car insurance companies in Ocoee, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,952 |
| Geico | $3,690 |
| Liberty Mutual | $5,644 |
| Nationwide | $4,114 |
| Progressive | $5,355 |
| State Farm | $3,199 |
| USAA | $2,727 |
Category Winners: Cheapest Car Insurance in Ocoee, Florida
Find the absolute cheapest car insurance online by comparing companies in Ocoee, FL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Ocoee, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Ocoee car insurance rates. Find the cheapest Ocoee, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,290 | $7,332 | $8,235 |
| Geico | $3,056 | $3,812 | $4,201 |
| Liberty Mutual | $5,178 | $5,737 | $6,018 |
| Nationwide | $3,239 | $4,277 | $4,825 |
| Progressive | $4,472 | $5,482 | $6,110 |
| State Farm | $2,725 | $3,281 | $3,591 |
| USAA | $2,365 | $2,822 | $2,996 |
What affects car insurance rates in Ocoee, Florida?
What factors can have an impact on Ocoee, FL car insurance? There are several reasons why Ocoee car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ocoee, Florida.
Car Theft in Ocoee
High levels of vehicle theft can make car insurance more expensive. Ocoee, FL car theft statistics from the FBI indicate 67 vehicle thefts a year.
Commute Time in Ocoee
The more time you spend in your car the higher the risk of an accident. The average commute length in Ocoee, FL is 31.4 minutes according to City-Data.
Compare Car Insurance Quotes in Ocoee, FL
Ready to find affordable Ocoee, Florida car insurance today? Enter your ZIP code for fast, free Ocoee, FL car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Ocoee, FL?
To compare car insurance rates in Ocoee, FL, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, including the make, model, year, and any safety features it may have.
- Research insurance providers: Look for reputable insurance companies that offer coverage in Ocoee, FL.
- Obtain quotes: Contact insurance providers directly or use online insurance comparison websites to request quotes for your specific vehicle and coverage needs.
- Compare coverage options: Review the coverage limits, deductibles, and any additional features or benefits offered by each insurance company.
- Consider your needs and budget: Determine which insurance policy offers the best coverage and fits within your budget.
- Purchase your chosen policy: Once you have made a decision, contact the insurance company to purchase the policy.
What factors affect car insurance rates in Ocoee, FL?
Several factors can influence car insurance rates in Ocoee, FL, including:
- Age and driving experience of the primary driver
- Location where the vehicle will be primarily driven and parked in Ocoee, FL
- The make, model, and year of the vehicle
- Safety features and anti-theft devices installed in the car
- Annual mileage and usage of the vehicle
- Driving record and claims history of the primary driver
- Credit history (in some cases)
- Coverage options and deductibles selected
Are car insurance rates higher in Ocoee, FL compared to other areas?
Car insurance rates can vary based on location, and rates in Ocoee, FL may be influenced by factors specific to the area. Factors such as population density, traffic patterns, local crime rates, and the frequency of accidents in Ocoee, FL can impact insurance rates. It’s recommended to obtain quotes from insurance providers to get an accurate idea of car insurance rates in the area.
Can I get discounts on car insurance in Ocoee, FL?
Yes, it is possible to obtain discounts on car insurance in Ocoee, FL. Insurance companies often offer various discounts to policyholders. Some common discounts that might be available include:
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance.
- Safe driver discount: If you have a clean driving record without any accidents or violations.
- Anti-theft device discount: If your vehicle is equipped with anti-theft devices or features.
- Safety feature discount: If your car has safety features like airbags, anti-lock brakes, or electronic stability control.
- Good student discount: If you or a household member who drives the car is a full-time student with good grades. It’s recommended to inquire about available discounts when obtaining insurance quotes in Ocoee, FL.
Are there any specific insurance considerations for Ocoee, FL residents?
While insurance considerations can vary based on individual circumstances, there are a few points to keep in mind for Ocoee, FL residents when it comes to car insurance:
- Florida is a no-fault state: This means that regardless of who caused the accident, each driver’s insurance company is responsible for covering their own policyholder’s medical expenses and other related damages. Ensure you have appropriate personal injury protection (PIP) coverage.
- Minimum coverage requirements: Make sure you meet the minimum liability coverage requirements set by the state of Florida.
- Additional coverage options: Consider additional coverage options such as comprehensive, collision, and uninsured/underinsured motorist coverage to provide extra protection. Consult with insurance providers to understand the specific coverage requirements and options available to Ocoee,
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.