Cheap Auto Insurance in Ocala, Florida
Geico offers the cheapest car insurance in Ocala, Florida, at $68 per month for minimum coverage and $118 per month for full coverage.
Find Cheap Auto Insurance Quotes in Ocala
Best cheap car insurance companies in Ocala, FL
Geico and State Farm have the best prices for most drivers. Geico has the lowest prices for drivers with a clean record and younger drivers. And State Farm has great rates for people with a recent incident or imperfect credit.
Cheapest car insurance in Ocala: Geico
If you want bodily injury liability, comprehensive and collision coverages in addition to the legally mandated coverages, go with Geico.
You can expect to pay about $118 a month, or $1,413 a year, for a full-coverage policy with Geico.
That is is 47% lower than the average rate citywide.
Compare Car Insurance Rates in Ocala, Florida
Cheapest full-coverage car insurance in Ocala
Company | Monthly rate | |
|---|---|---|
| Geico | $118 |
| State Farm | $119 |
| Progressive | $307 |
| Allstate | $353 |
Cheapest liability insurance quotes in Ocala: Geico
The most affordable option for basic car insurance in Ocala is Geico, at $68 per month.
State Farm's average rate is also competitive, at $71 per month.
Cheapest car insurance in Ocala, FL
Company | Monthly rate | |
|---|---|---|
|
| Geico | $68 |
|
| State Farm | $71 |
|
| Progressive | $218 |
|
| Allstate | $292 |
Compare Car Insurance Rates in Ocala, Florida
Cheapest car insurance for young drivers: Geico
Younger drivers often have the highest insurance rates of all. They're still learning the rules of the road and may not be as adept at evaluating risks as a more experienced driver is.
On average, a young driver can expect to pay $387 per month for minimum coverage.
That's more than an older driver will pay for full coverage.
But younger drivers may find a better rate at Geico, which quoted an average price of just $173 per month, or $2,079 per year. That's 55% less than the average.
Cheapest Ocala car insurance for teens
Company | Monthly rate |
|---|---|
| Geico | $173 |
| State Farm | $208 |
| Progressive | $509 |
| Allstate | $658 |
Cheapest car insurance for people with a speeding ticket: State Farm
Insurance companies know that drivers caught speeding get in crashes more often, so your rates will increase after a ticket. In Ocala, the average increase is about 27% and the average price is $286 per month for a full-coverage policy.
State Farm's average rate of $129 a month is the lowest among major Florida insurance companies after a speeding ticket.
Even Geico, the second-cheapest option, charges $72 more.
Cheapest auto insurance with a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Geico | $201 |
| Allstate | $353 |
| Progressive | $427 |
Cheapest car insurance in Ocala after an accident: State Farm
State Farm has the best quote for insurance after an at-fault accident — just $139 a month for full coverage.
Drivers who have recently been in a crash are statistically more likely to be involved in another, so car insurance companies charge more after an accident.
Cheapest Ocala car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $139 |
| Geico | $163 |
| Progressive | $452 |
| Allstate | $502 |
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is one of the most serious driving violations. If you're convicted of driving under the influence, you may lose your license and see much higher rates. Insurance rates typically go up 27% in Ocala after a DUI, with an average price of $286 per month for full coverage, or $3,428 per year.
However, State Farm has surprisingly affordable rates, with an average of just $129.
That's 55% cheaper than the average price.
Cheapest Ocala car insurance with a DUI
Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Geico | $212 |
| Progressive | $326 |
| Allstate | $440 |
Cheapest car insurance for drivers with poor credit: State Farm
Your credit score doesn't reflect your driving ability, but insurance companies have found that drivers with bad credit are more likely to make a claim or miss an insurance payment. As a result, you'll likely see higher rates if you don't have stellar credit. The average price is $313 per month, or $3,752 per year, for full coverage.
However, drivers with poor credit can save at State Farm, which has an average rate of just $174 per month.
Cheapest car insurance for poor credit
Company | Monthyl rate |
|---|---|
| State Farm | $174 |
| Geico | $191 |
| Progressive | $372 |
| Allstate | $513 |
Best car insurance companies in Ocala, Florida
A dependable car insurance company with great service is just as important as an affordable price. Allstate, State Farm and Geico have the best-rated service in Florida.
They had the best overall performance among Florida insurance companies in this national survey. Their customers were more likely to be satisfied with the customer service they received.
Best car insurance in Ocala, FL
Company |
Editor's rating
|
|---|---|
| State Farm | |
| Geico | |
| Allstate | |
| Progressive |
What's the best car insurance coverage in Ocala, FL?
Full coverage car insurance is a good idea for most Florida drivers with cars worth more than $5,000 or newer than eight years old. Your lender will typically require you to have full coverage if you have a car loan or lease.
In addition to the basic state-mandated property damage liability and personal injury protection, full coverage also includes:
- Bodily injury liability coverage: Pays for damage to others in a car crash you cause. It covers expenses like medical bills and lost wages.
- Comprehensive coverage: Pays for damage to your car due to things other than a collision, such as theft, vandalism or animals.
- Collision coverage: Pays for damage your car sustains in a crash, regardless of who is at fault.
Average car insurance cost in Ocala by neighborhood
Insurance prices vary by location, even within the city of Ocala. You might pay more for car insurance if car thefts or hit-and-runs are a problem in your neighborhood.
ZIP code | Full coverage | Minimum coverage |
|---|---|---|
| 34470 | $2,728 | $1,955 |
| 34471 | $2,727 | $1,941 |
| 34472 | $2,726 | $1,950 |
| 34473 | $2,687 | $1,934 |
| 34474 | $2,727 | $1,937 |
Auto theft statistics in Ocala
When comparing 2019 car theft rates in Ocala to the biggest cities in Florida , thefts are moderately common in Ocala, at a rate of 2.7 thefts per 1,000 residents. The average rate statewide is 2.3 thefts per 1,000 residents, so Ocala's rate is slightly above Florida's average.
City | Population | Car thefts | Thefts per 1,000 residents |
|---|---|---|---|
| Fort Lauderdale | 184,765 | 862 | 4.7 |
| Orlando | 292,120 | 1,274 | 4.4 |
| Tallahassee | 195,104 | 679 | 3.5 |
| Miami | 480,505 | 1,634 | 3.4 |
| Jacksonville | 909,142 | 2,809 | 3.1 |
| St. Petersburg | 267,696 | 783 | 2.9 |
| Ocala | 60,932 | 165 | **2.7 |
| Hialeah | 240,688 | 566 | 2.4 |
| Tampa | 400,501 | 523 | 1.3 |
| Cape Coral | 194,183 | 163 | 0.8 |
| Port St. Lucie | 199,433 | 81 | 0.4 |
Motor vehicle theft data was pulled from the FBI 2019 Florida crime report.
Methodology
Data was collected from four of the largest insurance companies in Florida. Quotes were for full coverage for a 30-year-old man who drives a 2015 Honda Civic EX and has average credit (unless otherwise stated). The following coverage limits and deductibles were used for state-minimum and full-coverage quotes:
Coverage type | Minimum coverage | Full coverage |
|---|---|---|
| Bodily injury liability | — | $50,000 per person and $100,000 per accident |
| Personal injury protection | $10,000 | $10,000 |
| Property damage liability | $10,000 per accident | $25,000 per accident |
| Uninsured and underinsured motorist bodily injury | — | $50,000 per person and $100,000 per accident |
| Comprehensive and collision | — | $500 deductible |
Insurance rate data is from Quadrant Information Services. These rates were publicly sourced from company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.