Cheapest Auto Insurance in Ocala, Florida (2024)

State Farm offers the cheapest car insurance in Ocala, with rates starting at $59 per month.

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Cheapest recent rates near Ocala, Florida

Recent Ocala, Florida car insurance prices for Volvo, Ford, GMC , and more.

*Quotes generated for Insurify users in and around Ocala, 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 Ocala, 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.
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Updated October 30, 2024

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Ocala is home to 600 horse farms, and drivers in the so-called "Horse Capital of the World" pay an overall average of $194 per month for car insurance. This is lower than the statewide average of $211 per month.

Ocalas small population size of just over 65,000 could contribute to its lower car insurance costs compared to the rest of the Sunshine State.

Here’s what you should know about comparing quotes and finding the cheapest car insurance in Ocala.

Quick Facts
  • State Farm, GEICO, and Hugo have the cheapest car insurance in Ocala.

  • Liability insurance in Ocala costs an average of $158 per month, and full coverage costs $230 per month.

  • Ocala has rates cheaper than many Florida cities, including Orlando, Tampa, and Miami.

3 of the cheapest car insurance companies in Ocala

The cheapest car insurance companies in Ocala include many well-known national insurers. But the best company for you will depend on your unique driver profile, how much coverage you need, and what rates you can afford. When shopping, compare quotes from multiple insurers to get the best rate.

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$337Teens and seniors
State Farm9.3$83$66People with a clean driving record
GEICO9.0$85$68People with a poor driving record
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.

Best insurer for teens and seniors: 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.
$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.
$213/mo
4.1
Best choiceBased on 114 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 (43)

Dawn

October 21, 2024

Verified Review

Paying Too Much

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

Kimberly

September 21, 2024

Verified Review

Hugo Whoa!

It's steep, but convenient.

Sheila

September 10, 2024

Verified Review

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.
See all Hugo reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.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).
NR
Why we picked this company

Florida is one of the limited states where Hugo is available. It’s a pay-as-you-drive insurer that minimizes fees and offers drivers packages that let them pause their coverage when they don’t drive. Hugo sells polices for as short as three days. This unique option makes it a good choice for teens and seniors who don’t drive often, though it only offers liability and full-coverage policies.

Pros
  • Ideal for limited driving

  • Flexible payments

Cons
  • Minimum “Flex” plan not available in Florida

  • Limited optional coverages

Best insurer for people with a clean driving record: 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.
$59/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.
$69/mo
4.2
Best choiceBased on 8831 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 (4,847)

Jannie

October 29, 2024

Verified Review

Good

The insurance is higher than other companies' policies.

Marsha

October 29, 2024

Verified Review

Friendly agents!

Check out their prices!

Linda

October 29, 2024

Verified Review

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.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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

Offering some of the lowest average quotes in Ocala, State Farm is a good choice for drivers with a clean record. State Farm policyholders enjoy low premiums because of the insurer’s diverse savings options. The Steer Clear and Drive Safe & Save programs reward safe driving habits, while other discounts and bundling opportunities can further decrease costs.

Pros
  • Above-average J.D. Power score

  • High IQ Score

Cons
  • Low Better Business Bureau (BBB) customer score

  • Drive Safe & Save feature can increase rates at renewal

Best insurer for people with a poor driving record: 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.
$61/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.
$71/mo
4.0
Best choiceBased on 10113 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 (5,563)

Herman

October 29, 2024

Verified Review

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 Review

It's Expensive

It's expensive.

Robert

October 29, 2024

Verified Review

Unpleasant Experience on Cape Cod

My insurance has gone from $37 a month to $82. Stay far away from this company.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.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

A well-known national brand, GEICO offers personalized auto coverage options, including uninsured and underinsured motorist coverage, medical payments coverage, and emergency roadside assistance. GEICO offers some of the lowest prices in Ocala for drivers with one at-fault accident, speeding ticket, or DUI. Defensive driving courses and employee discounts can help you lower your rate.

Pros
  • A++ AM Best rating

  • Offers a variety of employment and membership discounts

Cons
  • High-risk drivers pay higher premiums

  • No gap insurance

How to get the cheapest car insurance in Ocala

Along with driver profile factors, things like bundling multiple policies, the level of coverage you have, and your deductible limit can all influence your rate. Here are three tips to consider when shopping for cheap car insurance in Ocala:

  • Investigate low-mileage discounts. Many discounts are available from insurers, but low-mileage discounts may be ideal for drivers like teens or seniors who don’t drive often or far.

  • Consider group insurance offerings. Your place of work or professional association might offer group insurance policies; these organizations might be able to get you a lower premium than you could on your own.

  • Shop around. Comparing quotes from multiple insurers is the best way to find the cheapest car insurance in Ocala; this includes shopping around before you sign up for a policy and reviewing competitors’ quotes during your term.

Find Cheap Car Insurance in Ocala

Liability rates start at $59 per month

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

Cheapest liability-only car insurance in Ocala: State Farm

Liability-only car insurance reimburses other people for damages or injuries you’re at fault for in an accident.[1] Each state has its own minimum insurance requirements; a liability-only policy written in Ocala will cover Florida’s minimum mandated coverage levels for drivers. In most cases, liability-only coverage is cheaper than full coverage.

The average rate for a liability-only policy in Ocala is $158 per month, and you can see a collection of rates available from top 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$59
GEICO$61
Hugo$64
Mile Auto$102
Allstate$103
Safeco$115
Travelers$122
Mercury$123
Liberty Mutual$127
Direct Auto$131
Midvale Home & Auto$149
Progressive$153
Infinity$158
Foremost$174
Dairyland$182
GAINSCO$183
AssuranceAmerica$203
Bristol West$217
National General$246
The General$261
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 Ocala: State Farm

Full-coverage car insurance typically costs more than liability-only insurance, but its additional coverage can be beneficial. Unlike liability-only policies, these plans usually feature coverage for your property when you hit an object or flip over, called collision coverage, and coverage for damages from fire, weather, floods, and vandalism, known as comprehensive coverage.[2]

The average rate for a full-coverage policy in Ocala is $230 per month. Here, you can compare full-coverage rates from several insurers.

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
Allstate$120
Safeco$139
Mile Auto$142
Travelers$143
Mercury$148
GAINSCO$203
Hugo$213
Liberty Mutual$215
Progressive$216
Infinity$219
Midvale Home & Auto$224
Direct Auto$236
National General$256
Foremost$264
Dairyland$319
AssuranceAmerica$323
Bristol West$323
The General$378
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 Ocala, Florida

Recent Ocala, Florida car insurance prices for Hyundai, GMC, Volkswagen , and more.

*Quotes generated for Insurify users in and around Ocala, 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 Ocala, 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

Florida is a no-fault state, meaning that all parties in an accident must report a bodily injury claim to their insurer, regardless of who’s at fault. That’s why Florida’s minimum requirements for car insurance include personal injury protection (PIP), which is required in all no-fault states.[3]

Coverage
Minimum Requirements
Personal injury protection (PIP)$10,000
Property damage liability (PDL)$10,000

While PDL and PIP are the only required coverages drivers need in Florida, you could benefit from investing in optional coverages like:

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

    Bodily injury liability

    Bodily injury liability (BIL) covers death or injury to others during an accident when the other driver is somewhat at fault. BIL coverage is required for drivers in Florida with DUIs.

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

    Uninsured/underinsured motorist

    Uninsured/underinsured motorist insurance covers your injuries and damages if an uninsured or underinsured driver hits you.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Rental reimbursement

    This covers expenses related to renting a car while your car is inoperable.

Cheapest car insurance for drivers with an incident

You’ll likely find the best prices from insurers when you have a clean driving record. At-fault accidents, speeding tickets, DUIs, and other moving violations will likely increase your premiums, even if it’s your first offense.

Find Car Insurance in Ocala, FL

Monthly rates start at $68 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

Drivers with speeding tickets or other violations typically pay more for car insurance than drivers with clean records. Your insurer may increase your premiums based on how fast you were going over the speed limit or how many citations you’ve received in the past.

Drivers in Ocala with a speeding ticket pay $192 per month for liability coverage, on average.

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$59$70
GEICO$61$73
Hugo$64$76
Mile Auto$102$126
Allstate$103$123
Safeco$115$140
Travelers$122$147
Mercury$123$159
Liberty Mutual$127$166
Direct Auto$131$157
Progressive$153$183
Infinity$158$197
Foremost$174$227
Dairyland$182$219
GAINSCO$183$239
AssuranceAmerica$203$246
Bristol West$217$260
National General$246$296
The General$261$317
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

Even when an accident doesn’t result in injury or death, such as getting in a fender bender or jumping a curb, your insurer may still raise your rates afterward. These accidents could affect your premiums for three to five years after you file a claim.

Ocala residents with an accident on their record can pay a monthly average of $207 for liability coverage.

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$59$75
GEICO$61$79
Hugo$64$88
Mile Auto$102$138
Allstate$103$132
Safeco$115$144
Travelers$122$158
Mercury$123$169
Liberty Mutual$127$175
Direct Auto$131$172
Progressive$153$199
Infinity$158$200
Foremost$174$240
Dairyland$182$233
GAINSCO$183$225
AssuranceAmerica$203$259
Bristol West$217$277
National General$246$318
The General$261$341
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

Getting a DUI can raise your car insurance costs significantly. Drivers in Ocala pay $239 per month for liability coverage with a DUI on their record and $348 per month for full coverage.

Not only does a DUI put you and others on the road at risk, but it can stay on your record for 75 years in Florida.[4]

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$59$93
GEICO$61$96
Hugo$64$101
Mile Auto$102$161
Allstate$103$163
Safeco$115$182
Travelers$122$193
Mercury$123$177
Liberty Mutual$127$201
Direct Auto$131$207
Progressive$153$242
Infinity$158$250
Foremost$174$275
Dairyland$182$288
GAINSCO$183$289
AssuranceAmerica$203$321
Bristol West$217$343
National General$246$389
The General$261$413
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.
Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

Cheapest car insurance for seniors: State Farm

Florida has an increasingly high population of senior drivers age 65 and older compared to the rest of the nation.[5] While quotes for middle-aged adults are typically lower in their 30s and 40s, they often increase as drivers enter their 70s. Even though older adults are safe drivers, physical impairments can increase the risk of crashes, which is why premiums are often higher.

Seniors in Ocala pay an average of $126 per month for liability car insurance. Explore other rates for senior drivers in the table below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
State Farm$45$53
GEICO$48$56
Hugo$50$166
Mile Auto$76$106
Allstate$81$95
Mercury$94$113
Travelers$94$110
Safeco$95$115
Direct Auto$101$181
Liberty Mutual$104$177
Progressive$108$152
Infinity$118$164
Foremost$136$206
Dairyland$143$250
AssuranceAmerica$151$240
GAINSCO$151$168
Bristol West$171$254
National General$186$193
The General$209$303
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

Florida teenagers have a higher rate of fatal crashes than older adults; their likelihood of accidents also triples with peers in their cars. Teen driver insurance is often much more expensive because of this increased risk — about $257 per month for liability coverage in Ocala — but you can still save money on your policy.[6]

Staying on a parent’s insurance policy could yield discounted rates. Teens with their own insurance policies should drive cars with high safety ratings and apply for good student discounts. Most importantly, teens should follow the law, drive safely, and minimize the chances of being involved in an accident or traffic violation.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
GEICO$93$108
State Farm$97$114
Hugo$101$335
Allstate$176$205
Mile Auto$192$267
Mercury$213$257
Travelers$213$249
Liberty Mutual$217$368
Safeco$223$269
Direct Auto$231$415
Progressive$263$372
Infinity$278$385
Dairyland$288$504
Foremost$299$453
GAINSCO$308$342
Bristol West$354$527
AssuranceAmerica$362$576
The General$400$580
National General$470$489
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 Ocala, FL

Check quotes from 100+ top insurance companies

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Based on 3,806+ reviews
4.8/5
Shopper Approved
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Ocala car insurance quotes by credit tier

Florida allows insurers to consider your credit history when determining your premium.[7] Although it’s just one of many factors influencing premiums, credit-based insurance scores usually help drivers with excellent or good credit scores get better rates on average than drivers with poor credit scores.

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 Ocala?

The average car insurance quote in Ocala is $194 per month, significantly higher than the national monthly average of $158. Mark Friedlander, director of corporate communications for the Insurance Information Institute, notes that insurers price policies based on local factors, such as the cost of repairs, accident frequency, vehicle theft, and vandalism rates.

“Vehicle owners who live in sparse communities like Ocala will typically see better average rates than those who live in a large municipality like Miami,” says Friedlander.

More cities in Florida

The table below shows how car insurance rates in Ocala compare to some other cities in the Sunshine State.

City
Full Coverage
Liability Only
Cape Coral$248$180
Clearwater$264$218
Fort Lauderdale$325$249
Jacksonville$266$187
Miami$373$258
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.
Check Out: Car Insurance Rates by State

Check Out: Car Insurance Rates by State

Ocala car insurance FAQs

Finding the right car insurance can be challenging. Check out the answers to some commonly asked questions about car insurance in Ocala.

  • How much is car insurance in Ocala?

    Drivers in Ocala pay $158 per month for liability coverage and $230 per month for full coverage. Your average rates ultimately depend on your driving record, credit history, marital status, age, location, and more.

  • What are the best car insurance companies in Ocala?

    State Farm is the best car insurance company in Ocala, with an IQ Score of 9.3 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by GEICO, with an IQ Score of 9.0 and an AM Best financial strength rating of A++ (Superior).

  • Which company has the cheapest car insurance in Ocala?

    State Farm offers the cheapest car insurance in Ocala, with liability rates starting at $59 per month. GEICO and Hugo also offer lower rates in the area, with respective monthly rates of $61 and $64.

  • What factors affect the cost of car insurance in Ocala?

    Like in any city, factors like your ZIP code, driving record, age, credit score, and more affect the cost of car insurance in Ocala. Make sure to drive safely, keep your driving record clean, and maintain a strong credit score to keep your auto insurance premiums low. If you want to lower them even further, shop around for car insurance quotes and ask about discounts.

  • How much insurance do you need in Florida?

    The liability insurance requirements in Florida are $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).

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. Insurance Information Institute. "Auto insurance jargon buster."
  2. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
  3. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  4. Florida Highway Safety and Motor Vehicles. "Questions About Driving Records."
  5. Florida Department of Transportation. "Safe Mobility for Life Program."
  6. Florida Department of Transportation. "The 100 Deadliest Days for Teen Drivers."
  7. flrules.org. "Use of Credit Reports and Credit Scores by Insurers."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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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