Compare Ocala, FL Car Insurance Rates (2022)

Car insurance in Ocala, FL averages $318 a month. Ocala, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Ocala car insurance rates, compare quotes from the top car insurance companies in Ocala, FL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • The cheapest ZIP code in Ocala is 34482
  • Average car insurance rates in Ocala, FL are $3,811/year
  • The cheapest car insurance company in Ocala is USAA

If you need to buy Ocala, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Ocala, FL is right here.

You’ll find Ocala car insurance rates, the cheapest Ocala, FL car insurance companies, and information on Florida car insurance laws. You can also compare Ocala, Florida car insurance rates to Jacksonville car insurance rates, Hialeah car insurance rates, and St. Petersburg car insurance rates.

Ready to find affordable Ocala, FL car insurance today? Enter your ZIP code for fast, free Ocala car insurance quotes.

Cheapest Ocala, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ocala, FL car insurance rates? Every Ocala, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ocala, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,669 $3,515 $3,194 $3,246 $12,379 $13,384 $3,690 $3,752
GEICO $2,739 $2,748 $2,566 $2,566 $4,884 $6,097 $3,012 $3,046
Liberty Mutual $2,786 $2,786 $2,566 $2,566 $5,711 $8,711 $2,786 $3,721
Nationwide $2,455 $2,428 $2,199 $2,273 $5,857 $7,216 $2,700 $2,812
Progressive $3,333 $3,142 $2,868 $3,075 $9,379 $10,282 $4,005 $3,864
State Farm $1,682 $1,682 $1,530 $1,530 $4,824 $6,149 $1,861 $1,997
USAA $1,318 $1,296 $1,232 $1,221 $4,482 $5,201 $1,642 $1,770

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Minimum Car Insurance in Ocala, FL

Every driver must carry the minimum car insurance in Ocala, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Ocala, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Ocala, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ocala, FL. Compare credit history car insurance rates in Ocala from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ocala, Florida

Insurance Company Poor Fair Good
Allstate $8,176 $5,176 $4,208
GEICO $5,040 $3,047 $2,286
Liberty Mutual $5,050 $3,746 $3,067
Nationwide $4,360 $3,211 $2,906
Progressive $6,499 $4,623 $3,859
State Farm $3,612 $2,389 $1,970
USAA $3,691 $1,807 $1,314

Cheapest Ocala, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ocala, FL to rates for a clean record with top companies.

Annual Ocala, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,066 $6,040 $6,698 $5,610
GEICO $2,404 $3,077 $4,586 $3,763
Liberty Mutual $2,898 $3,713 $5,310 $3,896
Nationwide $2,994 $3,275 $4,384 $3,317
Progressive $3,950 $5,829 $4,903 $5,291
State Farm $2,434 $2,880 $2,657 $2,657
USAA $1,779 $2,195 $3,242 $1,865

Cheapest Ocala, FL Car Insurance for Teen Drivers

Teen car insurance in Ocala, FL can be expensive. Take a look at rates from the top car insurance companies in Ocala for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ocala, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,379 $13,384
GEICO $4,884 $6,097
Liberty Mutual $5,711 $8,711
Nationwide $5,857 $7,216
Progressive $9,379 $10,282
State Farm $4,824 $6,149
USAA $4,482 $5,201

Cheapest Ocala, FL Car Insurance for Seniors

Take a look at Ocala, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ocala, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,194 $3,246
GEICO $2,566 $2,566
Liberty Mutual $2,566 $2,566
Nationwide $2,199 $2,273
Progressive $2,868 $3,075
State Farm $1,530 $1,530
USAA $1,232 $1,221

Cheapest Ocala, FL Car Insurance Rates After a DUI

A DUI in Ocala, FL increases car insurance rates. Compare Ocala, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ocala, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,698
GEICO $4,586
Liberty Mutual $5,310
Nationwide $4,384
Progressive $4,903
State Farm $2,657
USAA $3,242

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Cheapest Ocala, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ocala, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ocala, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,686 $6,021
GEICO $3,441 $3,474
Liberty Mutual $3,832 $4,077
Nationwide $3,492 $3,492
Progressive $4,993 $4,993
State Farm $2,569 $2,745
USAA $2,245 $2,296

Cheapest Ocala, FL Car Insurance Rates by ZIP Code

Ocala car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Ocala, FL.

Annual Car Insurance Rates by ZIP Code in Ocala, Florida

ZIP Code Average Annual Rates
34470 $2,967
34471 $2,984
34472 $2,971
34473 $2,974
34474 $2,984
34475 $2,910
34476 $2,931
34479 $2,941
34480 $2,924
34481 $2,924
34482 $2,897

The Best Cheap Car Insurance Companies in Ocala, FL

Take a look at a side-by-side comparison of the top car insurance companies in Ocala, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ocala, Florida

Insurance Company Average Annual Rates
Allstate $5,853
GEICO $3,457
Liberty Mutual $3,954
Nationwide $3,492
Progressive $4,993
State Farm $2,657
USAA $2,270

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Category Winners: Cheapest Car Insurance in Ocala, Florida

Find the cheapest car insurance companies in Ocala, FL for each category right here.

Best Annual Car Insurance Rates by Company in Ocala, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Ocala, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ocala car insurance rates. Find the cheapest Ocala, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ocala, Florida

Insurance Company Low Medium High
Allstate $4,624 $6,131 $6,805
GEICO $2,783 $3,583 $4,006
Liberty Mutual $3,636 $4,007 $4,220
Nationwide $2,788 $3,626 $4,063
Progressive $4,226 $5,104 $5,651
State Farm $2,267 $2,718 $2,985
USAA $1,970 $2,348 $2,493

What affects car insurance rates in Ocala, Florida?

What factors can have an impact on Ocala, FL car insurance? There are several reasons why Ocala car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ocala, Florida.

Car Theft in Ocala

High levels of vehicle theft can make car insurance more expensive. Ocala, FL car theft statistics from the FBI indicate 179 vehicle thefts a year.

Commute Time in Ocala

The more time you spend in your car the higher the risk of an accident. The average commute length in Ocala, FL is 20.4 minutes according to City-Data.

Traffic in Ocala

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Ocala, FL traffic data from INRIX ranks Ocala as the 807th-most congested in the world.

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Compare Car Insurance Quotes in Ocala, FL

Ready to find affordable Ocala, Florida car insurance today? Enter your ZIP code for fast, free Ocala, FL car insurance quotes.

Free Car Insurance Comparison

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