Compare Ocala, FL Car Insurance Rates [2023]
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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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Dec 23, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 23, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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. Compare car insurance rates by age and gender to learn more.
| 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
How much car insurance do you need? Every driver must carry the minimum car insurance in Ocala, FL. Take a look at the Florida car insurance requirements.
| 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. You can get discounts depending on your credit score. What is a good credit discount? This is a discount you could receive from your insurance company for having a great credit score.
| 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 car insurance rates with a bad driving record in Ocala, FL to rates for a clean record with top companies.
| 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. Compare car insurance rates for teen drivers from the top car insurance companies in Ocala for teenagers.
| 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 car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 car insurance rates after a DUI in Ocala, Florida DUI by company to find the cheapest option.
| 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? Get lower car insurance by driving less. Take a look at a comparison of the top companies by commute length.
| 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. Car insurance by city can differ. Check out the difference in car insurance rates by ZIP code in Ocala, FL.
| 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.
| 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.
| 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.
| 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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Enter your ZIP code below to view companies that have cheap car insurance rates.
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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
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
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...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.