Cheapest Auto Insurance in Apopka, Florida (2024)

State Farm offers the cheapest car insurance in Apopka, with minimum-coverage policies as low as $69 per month.

Excellent
Allstate LogoProgressive LogoClearcover LogoFarmers LogoTravelers LogoGeico Logo+100 more

Cheapest recent rates near Apopka, Florida

Recent Apopka, Florida car insurance prices for Hyundai, BMW, Honda , and more.

*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

Featured in

media logomedia logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated October 30, 2024

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

The average total monthly cost of car insurance in Apopka is $228, compared to the national average of $158 per month. Car insurance rates tend to be higher in Florida, and factors like severe weather hazards, population density, commute time, and accident frequency all likely affect rates in Apopka.

Driver-specific rating factors such as driving history, age, gender, vehicle make and model, and more also influence car insurance costs, so its important to compare quotes from multiple insurers to find the best deal available to you.

Quick Facts
  • Apopka drivers pay a monthly average of $260 for full-coverage car insurance and $196 for liability-only coverage.

  • State Farm, GEICO, and Allstate offer the cheapest car insurance in Apopka.

  • The city’s relatively high population density of more than 1,500 people per square mile, and congested roadways, also affect car insurance rates.

3 of the cheapest car insurance companies in Apopka

If you’re looking for the best car insurance companies in Apopka, cost is probably one of your top factors in consideration. Though the price of a policy depends on your insurance needs, driving record, and other factors, you can typically find a good deal on car insurance.

Hugo, State Farm, and GEICO offer the best car insurance at affordable rates in Apopka. Here’s what you need to know about each insurer.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Hugo7.0N/A$337Cheap rates
State Farm9.3$83$66Drivers with an accident
GEICO9.0$85$68Teen drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Hugo

Compare personalized, real-time quotes
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$75/mo

Launched in 2021, Hugo is currently the only insurance company offering policy terms as short as three days and the ability to make smaller, more frequent micropayments. Drivers open an account with Hugo without paying a down payment, and choose their policy term. Hugo sells policies for three, seven, 14, or 30 days, or six months, and offers minimum coverage liability insurance. Hugo no longer sells full-coverage policies, and liability policies are limited to state minimums – you can’t buy higher liability limits.

Pros
  • Short-term policies

  • No down payment required

  • Micropayment option

Cons
  • Only available in 13 states

  • Full coverage not available

  • No discounts

Read more driver reviews of Hugo
Dawn - October 21, 2024
Verified

Paying Too Much

It's pretty expensive and they don't really provide much coverage.

Kimberly - September 21, 2024
Verified

Hugo Whoa!

It's steep, but convenient.

Sheila - September 10, 2024
Verified

Great in a Pinch

It's good when you need it on the spot and don't have a lot of money because you pay daily. However, it's very expensive in the long run.

Best insurer for drivers with an accident: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$69/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$81/mo

State Farm offers competitive rates for Apopka drivers with an at-fault accident on their record. The company has an AM Best financial strength rating of A++ (Superior), the highest level possible, and a below-average number of complaints, according to the National Association of Insurance Commissioners (NAIC) complaint index.

Pros
  • Competitive rates for drivers with high-risk violations

  • Extensive list of discounts

Cons
  • Gap insurance not available

  • Mixed customer service reviews

Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified

Good

The insurance is higher than other companies' policies.

Marsha - October 29, 2024
Verified

Friendly agents!

Check out their prices!

Linda - October 29, 2024
Verified

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

Best insurer for teen drivers: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$71/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo

GEICO has affordable pricing for teenage drivers, an age group that pays the most expensive rates. Teens' lack of driving experience and higher accident rates make them riskier to insure. Due to the company’s extensive list of discounts, it’s possible to secure coverage for less. GEICO has an AM Best financial strength rating of A++ (Superior) and a below-average number of complaints on the NAIC complaint index.

Pros
  • Accident forgiveness coverage available

  • Competitive pricing for drivers who typically face high prices due to age or previous violations

Cons
  • Gap insurance not available

  • Increased rates for high-risk drivers

Read more driver reviews of GEICO
Herman - October 29, 2024
Verified

Excellent

For us, it came down to cost and having all of our insurance with the same company, not farmed out.

Greg - October 29, 2024
Verified

It's Expensive

It's expensive.

Robert - October 29, 2024
Verified

Unpleasant Experience on Cape Cod

My insurance has gone from $37 a month to $82. Stay far away from this company.

How to get the cheapest car insurance in Apopka

You can’t control some factors that affect car insurance rates, like your age and location. But you can take steps to lower your car insurance costs.

  • Raise your deductible. If you opt for a higher comprehensive or collision insurance deductible, you can often decrease the cost of coverage. But make sure you can afford the deductible in the event of an accident.

  • Enroll in a defensive driving course. Some insurers allow customers to lower their coverage costs by enrolling in a defensive driving course. After you complete the course, you may qualify for a discount.

  • Qualify for discounts. Check with your insurance company about potentially available discounts. There are usually a handful of options, including a loyalty discount, a good student discount, or a discount for bundling your auto coverage with home, renters, or another policy type from the same insurer.

Find Car Insurance in Apopka

Rates start at just $69/mo. for liability coverage

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Apopka: State Farm

If you cause an accident, liability insurance covers damage to the other vehicle and medical expenses for the other driver.[1] The minimum-coverage requirements vary from state to state, but Florida does mandate coverage for residents.

The average cost of liability-only coverage in Apopka is $196 per month, but you may find more attractive deals from the companies in the table below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$69
GEICO$71
Hugo$75
Mile Auto$120
Allstate$121
Safeco$135
Travelers$143
Mercury$144
Liberty Mutual$149
Direct Auto$154
Midvale Home & Auto$175
Progressive$179
Infinity$185
Foremost$205
Dairyland$213
GAINSCO$215
AssuranceAmerica$239
Bristol West$255
National General$289
The General$307
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Apopka: State Farm

Full-coverage car insurance includes comprehensive, collision, and liability protection. A full-coverage policy can help pay to repair or replace your vehicle in case of an accident or covered event, regardless of who’s at fault.

Full coverage averages $260 per month in Apopka, but drivers may find cheaper rates from the following companies.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$81
GEICO$84
Allstate$141
Safeco$164
Mile Auto$167
Travelers$168
Mercury$173
GAINSCO$239
Hugo$250
Liberty Mutual$252
Progressive$253
Infinity$257
Midvale Home & Auto$263
Direct Auto$278
National General$301
Foremost$310
Dairyland$375
AssuranceAmerica$379
Bristol West$379
The General$444
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Apopka, Florida

Recent Apopka, Florida car insurance prices for KIA, Honda, Hyundai , and more.

*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Florida

Every state requires minimum liability coverage for drivers, including Florida. Apopka drivers must have the minimum amount of personal injury protection (PIP) and property damage liability coverage to meet the legal requirements.[2]

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Personal injury protection

    $10,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability

    $10,000 per accident

You should think about buying additional coverage because the minimums don’t typically cover the costs of an accident.

“The average car cost of a new car is [between] $48K and $55K, depending on what source you quote,” explains Earl Jones, insurance agent and owner of his own insurance agency in California. If you only have the minimum liability insurance, you may quickly run out of coverage and need to pay the remaining expenses out of pocket.

Here are some optional coverages to consider:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Regardless of fault, collision insurance covers the costs of your vehicle repairs, whether you collide with another vehicle or stationary object like a tree or light pole. It also pays for rollover accidents and damage from hitting a pothole. Collision is part of a full-coverage car insurance policy, which your lender or leasing company will require if you finance or lease your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If the other driver causes an accident and doesn’t have adequate coverage, uninsured/underinsured motorist coverage can pay for your costs associated with the accident. UM/UIM also covers hit-and-run accidents.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance provides protection if your car sustains damages due to a non-collision accident, like vandalism, theft, hail, floods, and cracked windshields. Comprehensive is part of a full-coverage car insurance policy.

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    Gap insurance

    If an accident totals your leased or financed vehicle, insurance will pay the actual cash value of your vehicle, which could be less than you still owe on it. Gap insurance steps in to bridge the difference between your vehicle's actual cash value and your remaining loan or lease balance.

  • illustration card https://a.storyblok.com/f/162273/x/c8ad9d5019/driving-accidents.svg

    Accident forgiveness

    An at-fault accident can significantly increase your car insurance premium for several years. But if you buy accident forgiveness coverage before something happens, your rates won't rise after your fist at-fault accident.

Cheapest car insurance for drivers with an incident: State Farm

Your car insurance costs can increase due to driving incidents like a driving under the influence (DUI) charge, speeding ticket, or an at-fault accident.[3] These incidents indicate to insurers that you might file a claim in the future, which makes you more expensive to insure.

The overall average monthly rate for Apopka residents with an incident on their record is $231.

Find Car Insurance in Apopka, FL

Monthly rates start at $80 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: State Farm

Insurance rates usually increase for several years after a speeding ticket.[4] Because of that, you should compare quotes from different insurers to find the best deal.

The average monthly cost of full coverage with a ticket in Apopka is $315, while liability-only policies average $238 with a ticket. The following table shows the average monthly costs of top insurers for Apopka drivers with speeding tickets on their records.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm$69$82
GEICO$71$85
Hugo$75$89
Mile Auto$120$149
Allstate$121$145
Safeco$135$164
Travelers$143$173
Mercury$144$186
Liberty Mutual$149$194
Direct Auto$154$184
Progressive$179$214
Infinity$185$231
Foremost$205$267
Dairyland$213$256
GAINSCO$215$280
AssuranceAmerica$239$290
Bristol West$255$306
National General$289$348
The General$307$373
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you cause an accident or other auto incident, you probably have an at-fault accident on your driving record. As a result, your monthly auto insurance rates usually increase unless you have accident forgiveness. An accident can affect your rates for three years or longer.

Apopka drivers with at-fault accidents on their motor vehicle records pay an average of $341 per month for full coverage and $257 for liability-only coverage. The following table illustrates liability-only quotes for Apopka drivers with at-fault accidents.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
State Farm$69$88
GEICO$71$91
Hugo$75$104
Mile Auto$120$162
Allstate$121$156
Safeco$135$169
Travelers$143$185
Mercury$144$198
Liberty Mutual$149$206
Direct Auto$154$202
Progressive$179$233
Infinity$185$234
Foremost$205$283
Dairyland$213$272
GAINSCO$215$264
AssuranceAmerica$239$305
Bristol West$255$325
National General$289$374
The General$307$401
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI causes your insurance rates to increase, perhaps more than any other driving infraction. Your current insurance company might drop your coverage due to the seriousness of the driving incident, or you may face increased rates for many years. In Florida, a DUI stays on your motor vehicle record for 75 years.

If you need new coverage after a DUI in Apopka, you'll face average monthly rates of $393 for full coverage and $296 for liability only. The following insurance companies offer the cheapest liability-only quotes for Apopka drivers with a DUI on their motor vehicle records.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
State Farm$69$109
GEICO$71$112
Hugo$75$119
Mile Auto$120$190
Allstate$121$191
Safeco$135$213
Travelers$143$226
Mercury$144$207
Liberty Mutual$149$236
Direct Auto$154$243
Progressive$179$283
Infinity$185$292
Foremost$205$324
Dairyland$213$337
GAINSCO$215$340
AssuranceAmerica$239$378
Bristol West$255$403
National General$289$457
The General$307$485
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Car insurance rates fluctuate with age. Teenagers cost the most to insure because of their higher accident risks, but rates decrease for drivers around the age of 25 and continue to decrease through retirement age. You might see rates increase again slightly around age 70 due to increased accident risks.[5]

Seniors in Apopka have access to competitive car insurance rates, with average monthly costs of $208 for full coverage and $157 for liability-only policies. Apopka seniors may find better-than-average rates from the following companies.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Full Coverage
Liability Only
State Farm$62$53
GEICO$66$56
Allstate$111$96
Mile Auto$124$89
Travelers$129$110
Mercury$132$110
Safeco$136$112
Progressive$178$126
Infinity$192$138
Hugo$195$59
GAINSCO$197$177
Liberty Mutual$207$122
Direct Auto$213$118
National General$227$218
Foremost$242$160
AssuranceAmerica$282$178
Dairyland$294$167
Bristol West$299$201
The General$356$246
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: GEICO

Teenagers face the most expensive insurance rates due to their lack of driving experience and risky driving habits.[6] Staying on your parents’ insurance plan, opting for a safe car, and qualifying for a good student discount can help reduce your costs as a teen driver. And if youre younger than 18, you won't be able to buy your own policy without the written consent of a parent or guardian.

Teen drivers in Apopka face average monthly rates of $422 for full coverage and $318 for liability only. The following table shows the insurers with the cheapest rates for teen drivers in Apopka.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Full Coverage
Liability Only
GEICO$128$108
State Farm$133$114
Allstate$241$206
Travelers$293$249
Mercury$300$250
Mile Auto$314$225
Safeco$318$262
Hugo$394$118
GAINSCO$403$362
Liberty Mutual$431$255
Progressive$435$308
Infinity$452$325
Direct Auto$489$271
Foremost$532$352
National General$575$552
Dairyland$593$337
Bristol West$618$416
AssuranceAmerica$676$426
The General$681$471
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Apopka

Unlock savings and discounts when you compare rates through Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Apopka car insurance quotes by credit tier

Florida insurers can consider your credit history as a factor when determining auto insurance pricing. Some states prohibit insurers from considering credit, but Apopka residents can expect their credit history to affect quotes.

Insurers use credit history to generate credit-based insurance scores that predict the likelihood of you filing a claim. Drivers with excellent or good credit scores usually secure lower rates on car insurance. People with poor credit scores typically pay higher rates.

The average rates in Apopka increase as credit scores decrease. Here’s what Apopka drivers pay by credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Apopka?

Drivers in Apopka pay an average of $260 per month for full-coverage car insurance, compared to the state average of $257 per month. Liability averages $196 per month in Apopka and $165 at the state level.

But compared to the national averages of $211 per month for full coverage and $104 for liability only, Apopka residents pay more than other U.S. drivers. When determining prices, car insurance companies consider an area’s weather, traffic, crime rates, and other factors. Due to its location, Florida residents pay high rates for car insurance.

More cities in Florida

Apopka offers competitive car insurance rates compared to other cities in the state. The following table shows average monthly rates in other Florida cities.

City
Full Coverage
Liability Only
Cape Coral$248$180
Clearwater$264$218
Fort Lauderdale$325$249
Jacksonville$266$187
Miami$373$258
Ocala$230$158
Orlando$289$202
Pensacola$256$160
Tallahassee$240$152
Tampa$362$293
Winter Haven$293$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Apopka car insurance FAQs

Finding auto coverage that works best for your budget and insurance needs can feel overwhelming. The information below should help you navigate the process of finding car insurance in Apopka, Florida.

  • How much is car insurance in Apopka?

    On average, Apopka drivers pay a total of $228 per month for car insurance. Liability coverage averages $196 per month, while full coverage is $260, on average. Your premium ultimately depends on your driving record, credit history, age, insurer, location, and more.

  • Which company has the cheapest car insurance in Apopka?

    State Farm has the cheapest car insurance for most drivers in Apopka, with liability rates that start at $69 per month.

    Apopka drivers can also find cheap rates from GEICO and Hugo, the second- and third-cheapest companies in the city. Their liability rates start at $71 and $75 per month, respectively.

  • What are the best car insurance companies in Apopka?

    State Farm has an IQ Score of 9.3 out of 5, which indicates financial strength, customer satisfaction, and quality coverage options, making it the best car insurance company in the city. GEICO and Allstate also offer quality coverage, and Hugo has the best on-demand coverage options.

  • Is Florida a no-fault state?

    Yes. Florida is a no-fault state, which means that each driver involved in an accident must file a claim with their respective auto insurer, regardless of fault.

  • Do you need a car when living in Apopka?

    Most people living in Apopka need a car to comfortably get around the city. That said, the Central Florida Regional Transportation Authority provides some public transportation options, including bus routes. And multiple ride-sharing services are available in the area.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. National Association for Insurance Commissioners. "Auto Insurance."
  2. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  3. Insurance Information Institute. "Infographic: Insurance Rating Variables: What They Are and Why They Matter."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Insurance Information Institute. "Senior driving safety and insurance tips."
  6. Insurance Information Institute. "Auto insurance for teen drivers."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all