Best Ocala, FL Car Insurance in 2024
Car insurance in Ocala, FL averages $318 a month. Ocala, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Ocala car insurance rates, compare quotes from the top car insurance companies in Ocala, FL.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
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 ZIP code in Ocala is 34482
- Average car insurance rates in Ocala, FL are $3,811/year
- The cheapest car insurance company in Ocala is USAA
If you need to buy Ocala, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Ocala, FL is right here.
You’ll find Ocala car insurance rates, the cheapest Ocala, FL car insurance companies, and information on Florida car insurance laws. You can also compare Ocala, Florida car insurance rates to Jacksonville car insurance rates, Hialeah car insurance rates, and St. Petersburg car insurance rates.
Ready to find affordable Ocala, FL car insurance today? Enter your ZIP code for fast, free Ocala car insurance quotes.
Cheapest Ocala, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Ocala, FL car insurance rates? Every Ocala, 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 | $3,669 | $3,515 | $3,194 | $3,246 | $12,379 | $13,384 | $3,690 | $3,752 |
| Geico | $2,739 | $2,748 | $2,566 | $2,566 | $4,884 | $6,097 | $3,012 | $3,046 |
| Liberty Mutual | $2,786 | $2,786 | $2,566 | $2,566 | $5,711 | $8,711 | $2,786 | $3,721 |
| Nationwide | $2,455 | $2,428 | $2,199 | $2,273 | $5,857 | $7,216 | $2,700 | $2,812 |
| Progressive | $3,333 | $3,142 | $2,868 | $3,075 | $9,379 | $10,282 | $4,005 | $3,864 |
| State Farm | $1,682 | $1,682 | $1,530 | $1,530 | $4,824 | $6,149 | $1,861 | $1,997 |
| USAA | $1,318 | $1,296 | $1,232 | $1,221 | $4,482 | $5,201 | $1,642 | $1,770 |
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Minimum Car Insurance in Ocala, FL
How much car insurance do you need? Every driver must carry the minimum car insurance in Ocala, 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 Ocala, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Ocala, FL. Compare credit history car insurance rates in Ocala from top companies for good, fair, and poor credit. You can get discounts depending on your credit score. What is a good credit discount? This is a discount you could receive from your insurance company for having a great credit score.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,176 | $5,176 | $4,208 |
| Geico | $5,040 | $3,047 | $2,286 |
| Liberty Mutual | $5,050 | $3,746 | $3,067 |
| Nationwide | $4,360 | $3,211 | $2,906 |
| Progressive | $6,499 | $4,623 | $3,859 |
| State Farm | $3,612 | $2,389 | $1,970 |
| USAA | $3,691 | $1,807 | $1,314 |
Cheapest Ocala, 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 Ocala, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,066 | $6,040 | $6,698 | $5,610 |
| Geico | $2,404 | $3,077 | $4,586 | $3,763 |
| Liberty Mutual | $2,898 | $3,713 | $5,310 | $3,896 |
| Nationwide | $2,994 | $3,275 | $4,384 | $3,317 |
| Progressive | $3,950 | $5,829 | $4,903 | $5,291 |
| State Farm | $2,434 | $2,880 | $2,657 | $2,657 |
| USAA | $1,779 | $2,195 | $3,242 | $1,865 |
Cheapest Ocala, FL Car Insurance for Teen Drivers
Teen car insurance in Ocala, FL can be expensive. Compare car insurance rates for teen drivers from the top car insurance companies in Ocala for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,379 | $13,384 |
| Geico | $4,884 | $6,097 |
| Liberty Mutual | $5,711 | $8,711 |
| Nationwide | $5,857 | $7,216 |
| Progressive | $9,379 | $10,282 |
| State Farm | $4,824 | $6,149 |
| USAA | $4,482 | $5,201 |
Cheapest Ocala, FL Car Insurance for Seniors
Take a look at Ocala, 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 | $3,194 | $3,246 |
| Geico | $2,566 | $2,566 |
| Liberty Mutual | $2,566 | $2,566 |
| Nationwide | $2,199 | $2,273 |
| Progressive | $2,868 | $3,075 |
| State Farm | $1,530 | $1,530 |
| USAA | $1,232 | $1,221 |
Cheapest Ocala, FL Car Insurance Rates After a DUI
A DUI in Ocala, FL increases car insurance rates. Compare car insurance rates after a DUI in Ocala, Florida DUI by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,698 |
| Geico | $4,586 |
| Liberty Mutual | $5,310 |
| Nationwide | $4,384 |
| Progressive | $4,903 |
| State Farm | $2,657 |
| USAA | $3,242 |
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Cheapest Ocala, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Ocala, 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 | $5,686 | $6,021 |
| Geico | $3,441 | $3,474 |
| Liberty Mutual | $3,832 | $4,077 |
| Nationwide | $3,492 | $3,492 |
| Progressive | $4,993 | $4,993 |
| State Farm | $2,569 | $2,745 |
| USAA | $2,245 | $2,296 |
Cheapest Ocala, FL Car Insurance Rates by ZIP Code
Ocala car insurance rates vary based on where you live. Car insurance by city can differ. Check out the difference in car insurance rates by ZIP code in Ocala, FL.
| ZIP Code | Average Annual Rates |
|---|---|
| 34470 | $2,967 |
| 34471 | $2,984 |
| 34472 | $2,971 |
| 34473 | $2,974 |
| 34474 | $2,984 |
| 34475 | $2,910 |
| 34476 | $2,931 |
| 34479 | $2,941 |
| 34480 | $2,924 |
| 34481 | $2,924 |
| 34482 | $2,897 |
The Best Cheap Car Insurance Companies in Ocala, FL
Take a look at a side-by-side comparison of the top car insurance companies in Ocala, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,853 |
| Geico | $3,457 |
| Liberty Mutual | $3,954 |
| Nationwide | $3,492 |
| Progressive | $4,993 |
| State Farm | $2,657 |
| USAA | $2,270 |
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Category Winners: Cheapest Car Insurance in Ocala, Florida
Find the cheapest car insurance companies in Ocala, FL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Ocala, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Ocala car insurance rates. Find the cheapest Ocala, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,624 | $6,131 | $6,805 |
| Geico | $2,783 | $3,583 | $4,006 |
| Liberty Mutual | $3,636 | $4,007 | $4,220 |
| Nationwide | $2,788 | $3,626 | $4,063 |
| Progressive | $4,226 | $5,104 | $5,651 |
| State Farm | $2,267 | $2,718 | $2,985 |
| USAA | $1,970 | $2,348 | $2,493 |
What affects car insurance rates in Ocala, Florida?
What factors can have an impact on Ocala, FL car insurance? There are several reasons why Ocala car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ocala, Florida.
Car Theft in Ocala
High levels of vehicle theft can make car insurance more expensive. Ocala, FL car theft statistics from the FBI indicate 179 vehicle thefts a year.
Commute Time in Ocala
The more time you spend in your car the higher the risk of an accident. The average commute length in Ocala, FL is 20.4 minutes according to City-Data.
Traffic in Ocala
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Ocala, FL traffic data from INRIX ranks Ocala as the 807th-most congested in the world.
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Compare Car Insurance Quotes in Ocala, FL
Ready to find affordable Ocala, Florida car insurance today? Enter your ZIP code for fast, free Ocala, FL car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Ocala, FL?
To compare car insurance rates in Ocala, 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 Ocala, 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 Ocala, FL?
Several factors can influence car insurance rates in Ocala, FL, including:
- Age and driving experience of the primary driver
- Location where the vehicle will be primarily driven and parked in Ocala, 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 Ocala, FL compared to other areas?
Car insurance rates can vary based on location, and rates in Ocala, 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 Ocala, 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 Ocala, FL?
Yes, it is possible to obtain discounts on car insurance in Ocala, 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 Ocala, FL.
Are there any specific insurance considerations for Ocala, FL residents?
While insurance considerations can vary based on individual circumstances, there are a few points to keep in mind for Ocala, 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 Ocala, FL residents.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
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.