Ocala, FL Auto Insurance (2024)
The average Ocala, FL auto insurance rates are $318 per month. The minimum auto insurance in Ocala is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Ocala, Florida, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Ocala is 20.4 minutes
- The most expensive auto insurance company in Ocala for teen drivers is Allstate
- The cheapest auto insurance company in Ocala is USAA
Ocala, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Ocala can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Ocala, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Ocala to other Florida cities, including Tallahassee auto insurance rates, St. Petersburg auto insurance rates, and Orlando auto insurance rates to see how Ocala, Florida auto insurance rates stack up.
Before you buy Ocala, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ocala, Florida auto insurance quotes.
Minimum Auto Insurance in Ocala, Florida
Ocala, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ocala, Florida.
| 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 |
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Cheap Ocala, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Ocala, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Ocala, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Ocala, Florida is a challenge. Take a look at the annual teen auto insurance rates in Ocala, Florida.
| 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 |
Cheap Ocala, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Ocala, Florida? Take a look at the annual average rates for older 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 |
Cheap Ocala, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Ocala, Florida compared to the annual auto insurance rates with a clean record in Ocala, Florida.
| 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 |
Cheap Ocala, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Ocala, Florida is not easy. Compare the annual rates for DUI auto insurance in Ocala, Florida to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Ocala, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Ocala, Florida annual auto insurance rates by credit history compare.
| 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 |
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Cheap Ocala, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Ocala, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Ocala, Florida to see how car insurance rates are affected by location.
| 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 |
Cheap Ocala, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Ocala, Florida auto insurance. Find the cheapest annual Ocala, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Ocala, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Ocala, Florida? Check out the comparison of annual Ocala, Florida auto 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 |
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Best By Category: Cheapest Auto Insurance in Ocala, Florida
Compare the cheapest auto insurance companies in Ocala, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Ocala, Florida Auto Insurance Companies
What auto insurance companies in Ocala, Florida are the cheapest? Compare the top Ocala, Florida auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Ocala, Florida?
There are a lot of reasons why auto insurance rates in Ocala, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Ocala, Florida. Many local factors may affect your Ocala auto insurance rates.
Ocala Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Ocala, Florida auto theft statistics, there have been 179 auto thefts in the city.
Ocala Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ocala, Florida commute length is 20.4 minutes according to City-Data.
Ocala Traffic
How does Ocala, Florida rank for traffic? According to Inrix Ocala, Florida is the 807th most congested worldwide.
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Compare Ocala, Florida Auto Insurance Quotes
Before you buy Ocala, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Ocala, Florida auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Ocala, Florida?
The minimum auto insurance requirements in Ocala, Florida are 10/20/10, as mandated by Florida auto insurance laws.
How does age, gender, and marital status affect auto insurance rates in Ocala, Florida?
Age, gender, and marital status can impact auto insurance rates in Ocala, Florida. Demographics play a role in determining the annual cost of insurance.
What are the average auto insurance rates for teen drivers in Ocala, Florida?
Finding cheap auto insurance for teen drivers in Ocala, Florida can be challenging. The annual rates for teen drivers are typically higher compared to other age groups.
How do senior drivers in Ocala, Florida fare in terms of auto insurance rates?
Senior drivers in Ocala, Florida may experience different auto insurance rates. The annual average rates for older drivers can vary based on factors such as driving history and coverage needs.
How does a driving record affect auto insurance rates in Ocala, Florida?
A driving record has a significant impact on auto insurance rates in Ocala, Florida. Having a clean record typically leads to lower rates, while a bad record can result in higher premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.