Cheapest Auto Insurance in Daytona Beach, Florida (2024)
State Farm has the cheapest liability coverage in Daytona Beach, with an average rate of $62/mo.
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Written byJennifer Brozic
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Jennifer Brozic
18+ years experience in finance writing
Background in communications for banks and credit unions
Jennifer is a content marketing writer specializing in the financial services and insurance industries. Her areas of expertise include budgeting, building credit, loans, and more.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 21, 2024
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Table of contents
Daytona Beach drivers pay, on average, $145 per month for liability car insurance, which is higher than the national average of $104 but lower than the state average of $157 per month.
Drivers in Daytona Beach have a high risk of property damage from severe weather during hurricane season between June and November, which likely increases average rates.
Here's what you need to know about finding cheap car insurance in Daytona Beach, including how to compare quotes and coverage options.
Quick Facts
State Farm, GEICO, and Mile Auto have the cheapest liability insurance in Daytona Beach on average.
The average monthly cost of full-coverage insurance is $204 in the U.S., $248 in Florida, and $233 in Daytona Beach.
Florida is a no-fault insurance state that requires drivers to maintain $10,000 in personal injury protection (PIP) coverage.
3 of the cheapest car insurance companies in Daytona Beach
Many Daytona Beach insurers offer auto rates cheaper than the city average. Whether you qualify for the lowest available rates depends on multiple factors, including your driving record, credit score, the car you drive, and more.[1]
It’s important to consider factors beyond price when selecting an insurer, however. Your coverage needs, the company’s financial stability, and other features may affect your decision. The average quotes provided below reflect statewide insurance costs in Florida.
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 ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $83 | $68 | Full coverage |
| Hugo | 7.0 | N/A | $340 | Pay-per-mile insurance |
| GEICO | 9.0 | $86 | $69 | Teen drivers |
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 full coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $62/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. | $78/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is a well-established insurance company that earned strong marks for financial stability from credit rating agency AM Best.[2] The insurer offers multiple ways for customers to save on a wide range of standardized auto insurance coverages.
It earned the highest customer satisfaction score in Florida in J.D. Power’s 2023 U.S. Auto Insurance Study.[3] And the company logged fewer than the average number of customer complaints in 2022, according to the National Association of Insurance Commissioners (NAIC).[4]
Pros
Strong financial stability
Extensive network of agents in Florida
High IQ Score compared to other insurers
Cons
Doesn’t offer specialty coverages
Gap insurance not available
Accident forgiveness not available
Best insurer for pay-per-mile insurance: Hugo
| User Reviews | 4.1 |
|---|---|
| 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. | 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. | $340/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Founded in 2016, Hugo is a relative newcomer to the insurance industry. Unlike traditional insurers with policy terms of six or 12 months, you can buy coverage from Hugo for as little as three days at a time.
With Hugo, you pay a flat daily rate on days you drive and nothing on days you don’t. You can buy additional days of coverage or cancel your policy at any time, and your days never expire. Hugo earned 4.8 out of 5 stars on Trustpilot.[5]
Pros
You can pause and unpause coverage from your phone
Micropayments allow for easy budgeting
Policyholders can buy more days of coverage at any time
Cons
May not be the most affordable option for daily drivers
Limited policy customization options
Only available in 13 states
Best insurance for teen drivers: GEICO
| 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. | 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. | $64/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. | $80/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO provides low rates for teen drivers, especially compared to the average cost in the city. It also offers various ways for teens to save, including discounts for driver training programs and good student discounts. GEICO has an A++ rating from AM Best and below-average customer complaints on the NAIC complaint index.
Pros
Many discounts for teens
Competitive rates for drivers with a violation
Offers accident forgiveness
Cons
Limited local agent availability
Gap insurance not available
Has lower customer satisfaction rates than some other insurers
)
Read More: The 10 Best Car Insurance Companies
How to get the cheapest car insurance in Daytona Beach
Insurance companies consider many factors when determining auto rates. Here are a few ways to get the cheapest car insurance and keep your premiums manageable:
Review discount options. Check out available discounts from multiple insurers to find out where you can save the most money. “Most companies have an advanced quote discount not a lot of people know about,” says Lauren McKenzie, insurance agent at A Plus Insurance. “It kicks in when you establish a policy start date in the future.”
Pay your bills on time. Your credit score is one of many factors insurers may use to determine your premium. People with lower credit scores typically have higher rates than those with good scores.[6]
Shop around. Insurers often have proprietary formulas for determining rates. Different companies may weigh rating criteria differently. To find the best rates, compare quotes from multiple insurance companies.
Stick around. “Once you have auto insurance, don’t jump around too much between companies,” McKenzie says. “Keep your insurance in force for at least six full months,” she advises. “Having continuous coverage for six months will earn you a discount if you switch companies.”
Cheapest liability-only car insurance in Daytona Beach: State Farm
Liability insurance covers other people’s injuries when you’re at fault in an accident. It also helps cover repair costs to their vehicle. It doesn’t cover your own medical bills or damage to your car, however.[7]
The average cost of liability-only insurance in Daytona Beach is $145 per month. Check out the table below to see how much different insurers charge for a liability-only policy in Daytona Beach.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $62 |
| GEICO | $64 |
| Mile Auto | $106 |
| Allstate | $109 |
| Travelers | $129 |
| Mercury | $142 |
| Direct Auto | $149 |
| Safeco | $166 |
| Progressive | $169 |
| Infinity | $181 |
| Foremost | $194 |
| GAINSCO | $209 |
| Dairyland | $210 |
| Bristol West | $230 |
| AssuranceAmerica | $235 |
| National General | $260 |
| The General | $285 |
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 Daytona Beach: State Farm
Full coverage car insurance includes collision and comprehensive coverage as well as liability insurance.
Collision coverage pays for damage to your vehicle that results from an accident with another car or a collision with a stationary object, such as a guardrail or a tree. Comprehensive coverage pays for non-accident-related damage to your vehicle. This may include damage from severe weather, falling objects, animal infestations, and more.
Full coverage is usually a good idea if you drive a new car or can’t cover the cost of repairs out of pocket. If you have an auto loan or lease, the lender or leasing company will likely require you to maintain full coverage.
On average, full-coverage insurance in Daytona Beach costs $233 per month. Compare quotes below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $78 |
| GEICO | $80 |
| Allstate | $135 |
| Mile Auto | $137 |
| Travelers | $161 |
| Safeco | $173 |
| Mercury | $178 |
| Progressive | $249 |
| Infinity | $253 |
| National General | $271 |
| GAINSCO | $289 |
| Direct Auto | $290 |
| Foremost | $293 |
| Bristol West | $330 |
| Dairyland | $366 |
| AssuranceAmerica | $390 |
| The General | $405 |
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 Daytona Beach, Florida
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $71/mo for full coverage in Daytona Beach and other Florida cities.
*Quotes generated for Insurify users in and around Daytona Beach, Florida within the last 10 days. Last updated on November 21, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Daytona Beach, Florida within the last 10 days. Last updated on November 21, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Florida drivers must maintain property damage liability (PDL) and personal injury protection (PIP) coverage. PDL helps pay to repair damages you cause to someone else’s property. PIP pays 80% of your medical bills after an accident — Florida requires at least $10,000.[8] Since Florida is a no-fault state, each driver’s insurance company pays for their injuries, no matter who is at fault.[9]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Personal injury protection (PIP) | $10,000 |
| Property damage liability | $10,000 |
While PIP and PDL are the only coverages Florida requires, you may want to consider adding other optional coverages, such as:
Collision
Collision pays for damage to your vehicle if you’re in a crash with another car or stationary object.
Comprehensive
Comprehensive covers non-accident-related damage to your vehicle.
Bodily injury liability
Liability insurance pays for other people’s injuries if you’re at fault in an accident.
Uninsured/underinsured motorist
This coverage pays for your injuries (beyond what PIP covers) and repairs to your vehicle if you’re in an accident and an uninsured or underinsured driver is at fault.
Add-ons
Most insurers offer various additional protections for specific circumstances, such as rental car reimbursement, gap coverage, roadside assistance, and customized parts and equipment coverage.
“We recommend $100K/$300K for bodily injury and $100K for property damage,” says Sandy Dunn, president of Dunn & Associates Insurance. “Opting for lower policy limits will reduce your premium, but it also increases your financial risk. What I tell people is if you’re satisfied with a $50K/$100K, then, anything above that, [you’re] self-insured on.”
“We recommend you look at stacked uninsured motorist [coverage] because of the numerous people [who] are driving around without adequate coverage,” says Dunn. “With stacked coverage, you can combine the bodily injury limits of multiple vehicles. But you can’t combine property damage limits.”
)
Learn More: Minimum Car Insurance Requirements by State
Cheapest car insurance for drivers with an incident
Drivers with at-fault accidents, speeding tickets, DUIs, and other moving violations on their records typically pay higher rates than drivers with clean records. The severity of the rate increase varies based on the infraction.
The average monthly cost of car insurance in Daytona Beach for drivers with a past incident is $145 for liability coverage and $233 for full coverage.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Getting a speeding ticket could cost you more in car insurance, but rates vary by insurer. For Daytona Beach drivers with a past speeding ticket, the average cost of liability coverage is $177 per month.
Take a look at the table below to see how speeding affects liability-only rates at different insurance companies in Daytona Beach.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $62 | $74 |
| GEICO | $64 | $77 |
| Mile Auto | $106 | $129 |
| Allstate | $109 | $132 |
| Travelers | $129 | $157 |
| Mercury | $142 | $185 |
| Direct Auto | $149 | $180 |
| Safeco | $166 | $203 |
| Progressive | $169 | $203 |
| Infinity | $181 | $226 |
| Foremost | $194 | $253 |
| GAINSCO | $209 | $273 |
| Dairyland | $210 | $253 |
| Bristol West | $230 | $280 |
| AssuranceAmerica | $235 | $283 |
| National General | $260 | $316 |
| The General | $285 | $351 |
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
Drivers with at-fault accidents on their records generally pay more for insurance coverage than drivers without an accident. On average, Daytona Beach drivers with a past accident pay $191 per month for liability insurance.
The table below shows how different Daytona Beach insurance companies handle rate increases for a liability-only policy after an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $62 | $80 |
| GEICO | $64 | $83 |
| Mile Auto | $106 | $141 |
| Allstate | $109 | $141 |
| Travelers | $129 | $168 |
| Mercury | $142 | $197 |
| Direct Auto | $149 | $197 |
| Safeco | $166 | $213 |
| Progressive | $169 | $220 |
| Infinity | $181 | $229 |
| Foremost | $194 | $268 |
| GAINSCO | $209 | $258 |
| Dairyland | $210 | $269 |
| Bristol West | $230 | $297 |
| AssuranceAmerica | $235 | $297 |
| National General | $260 | $336 |
| The General | $285 | $376 |
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
Driving under the influence increases your likelihood of getting in an accident. If you get behind the wheel after drinking — and get caught — not only will you lose your license for at least six months, you can expect a hefty increase in your auto insurance rates.
The average cost of liability car insurance for Daytona Beach drivers with a past DUI pay $220 per month.
Check out the table below to see how much a liability-only policy costs after a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $62 | $98 |
| GEICO | $64 | $101 |
| Mile Auto | $106 | $168 |
| Allstate | $109 | $172 |
| Travelers | $129 | $204 |
| Mercury | $142 | $207 |
| Direct Auto | $149 | $236 |
| Safeco | $166 | $243 |
| Progressive | $169 | $267 |
| Infinity | $181 | $286 |
| Foremost | $194 | $307 |
| GAINSCO | $209 | $331 |
| Dairyland | $210 | $332 |
| Bristol West | $230 | $364 |
| AssuranceAmerica | $235 | $372 |
| National General | $260 | $411 |
| The General | $285 | $451 |
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
In general, insurance rates decrease as you gain more driving experience but typically go back up once you hit your 70s. On average, senior drivers in Daytona Beach pay $117 per month for liability coverage and $187 for full-coverage insurance.
Check out the table below to see the average auto insurance rates for seniors through different companies in Daytona Beach.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $47 | $60 |
| GEICO | $50 | $63 |
| Mile Auto | $79 | $102 |
| Allstate | $86 | $107 |
| Travelers | $99 | $124 |
| Mercury | $111 | $139 |
| Direct Auto | $114 | $223 |
| Progressive | $120 | $177 |
| Infinity | $137 | $191 |
| Safeco | $140 | $146 |
| Foremost | $153 | $231 |
| Dairyland | $165 | $288 |
| GAINSCO | $173 | $239 |
| AssuranceAmerica | $175 | $290 |
| Bristol West | $182 | $261 |
| National General | $196 | $204 |
| The General | $228 | $324 |
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
Teens and adults younger than 25 typically pay more for car insurance than older drivers. Their lack of experience behind the wheel increases their chances of getting in an accident, which insurers consider when setting rates.
But teens have ways to save on auto insurance:
Stay on your parents’ car insurance policy for as long as possible. It’s usually cheaper.
Drive a car with a high safety rating. You may qualify for a discount if your car has certain types of safety equipment.
Take advantage of good student discounts and other discounts for teens and families.
The average monthly cost of auto coverage for teen drivers is $240 per month for liability and $386 for full coverage.
The table below to see the different rates Daytona Beach insurance companies charge teens for a liability-only policy.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $101 | $126 |
| State Farm | $105 | $132 |
| Allstate | $192 | $238 |
| Mile Auto | $203 | $262 |
| Travelers | $231 | $288 |
| Mercury | $248 | $311 |
| Direct Auto | $269 | $524 |
| Progressive | $293 | $432 |
| Safeco | $316 | $329 |
| Infinity | $321 | $449 |
| Dairyland | $334 | $582 |
| Foremost | $340 | $514 |
| GAINSCO | $356 | $492 |
| Bristol West | $382 | $549 |
| AssuranceAmerica | $426 | $708 |
| The General | $446 | $634 |
| National General | $507 | $528 |
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.
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Daytona Beach car insurance quotes by credit tier
In Florida, insurance companies may consider your credit history when determining your eligibility and rates. Insurers use information from consumer credit reports to generate insurance-based credit scores to help predict the likelihood that you’ll file a claim.
In general, people with excellent or good credit history receive lower rates than people with poor credit history. Check out the table below to see the average monthly quotes for full-coverage insurance 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 Daytona Beach?
Car insurance in Daytona Beach is more expensive than the national average but less than the average cost in Florida. The average cost of insurance in Daytona Beach is $145 per month for liability insurance and $233 for full-coverage insurance.
For comparison, the monthly average cost of coverage in Florida is $157 for liability and $248 for full coverage. The national average cost of insurance is $104 for liability and $204 for full coverage.
Rates vary widely across Florida, but drivers in the state face high rates due to the risk of property damage from hurricanes and tropical storms. For example, auto insurance rates in Tampa and West Palm Beach are much higher than in Daytona Beach, but premiums in Fort Myers are only slightly higher. This is why it’s so crucial to compare car insurance quotes before buying.
“The accident and claim frequency in your ZIP code significantly influence the rate you pay,” says Brian Van Winkle, a licensed insurance agent at Dunn & Associates Insurance in Daytona Beach.
“In areas where insurance companies pay out more money to cover claims, insurance rates are typically higher. To help recoup, they have to raise insurance premiums for everybody in that whole area to help with their loss ratio,” McKenzie says.
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More cities in Florida
Daytona Beach is one of the more affordable cities for auto insurance in Florida. Check out the table below to see how average rates in Daytona Beach compare to other Florida cities.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Cape Coral | $128 | $233 |
| Fort Lauderdale | $202 | $310 |
| Fort Myers | $136 | $223 |
| Jacksonville | $148 | $247 |
| Miami | $217 | $354 |
| Naples | $138 | $219 |
| Orlando | $167 | $263 |
| Panama City | $112 | $179 |
| Saint Petersburg | $180 | $268 |
| Tampa | $232 | $332 |
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.
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Check Out: Car Insurance Rates by State
Daytona Beach car insurance FAQs
Before you start shopping around for auto coverage, you need to determine the right amount of car insurance for your needs. The following information should help answer your remaining questions about car insurance in Daytona Beach.
How much is car insurance in Daytona Beach?
Liability-only coverage in Daytona Beach costs $145 per month, and full-coverage insurance costs $233 per month. Your exact premium will vary depending on your driving record, credit history, age, the insurer you choose, and much more.
Who has the cheapest car insurance in Daytona Beach?
State Farm has the cheapest coverage in Daytona Beach, with an average liability rate of $62 per month.
GEICO and Mile Auto also offer some of the most affordable coverage, with average liability rates of $64 and $106, respectively. You should compare multiple quotes side by side before deciding on your policy to make sure you find the most affordable coverage for your needs.
What are the best car insurance companies in Daytona Beach?
State Farm is the best car insurance company in Daytona Beach, with an Insurify Quality Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and low rates. The average cost of auto coverage from State Farm in Florida is $68 per month for liability coverage and $83 for full coverage.
Other top insurers include GEICO, the best option for teen drivers, and Hugo, the best option for pay-per-mile insurance.
What factors affect the cost of car insurance in Daytona Beach?
Like any other city or state, factors like your driving record, age, ZIP code, and more will affect the cost of car insurance in Daytona Beach. Make sure to drive safely, keep your driving record clean, and apply for discounts to keep your auto insurance rates low.
If you want even lower rates, shop around and compare car insurance quotes from multiple insurance companies.
How much auto insurance do you need in Florida?
Drivers in Florida need to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage (PDL). You should also consider purchasing bodily injury liability, collision, and comprehensive coverage for more thorough protection, especially if you drive frequently.
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
- 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.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Business Wire. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Its Subsidiaries."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- National Association of Insurance Commissioners. "State Farm Mut Auto Ins Co National Complaint Index Report."
- Trustpilot. "Hugo Insurance."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
- Insurance Information Institute. "Auto Insurance Basics."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- NOLO. "Florida No-Fault Car Insurance."
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Jennifer Brozic
Jennifer Brozic is a content marketing writer, specializing in the financial services and insurance industries. She's committed to helping her clients create content that inspires people to take action. Her areas of expertise include insurance, financial planning & budgeting, building credit, loans, credit cards and more.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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