Compare Ormond Beach, FL Car Insurance Rates (2021)

Car insurance in Ormond Beach, FL averages $333 a month. Ormond Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Ormond Beach car insurance rates, compare quotes from the top car insurance companies in Ormond Beach, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Ormond Beach is 32174
  • Average car insurance rates in Ormond Beach, FL are $4,001/year
  • Average car insurance rates in Ormond Beach, FL after a DUI are $4,795/year

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

You’ll find Ormond Beach car insurance rates, the cheapest Ormond Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Ormond Beach, Florida car insurance rates to St. Petersburg car insurance rates, Tallahassee car insurance rates, and Port St. Lucie car insurance rates.

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

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

How do age, gender, and marital status affect Ormond Beach, FL car insurance rates? Every Ormond Beach, 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 Ormond Beach, 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 $3,894 $3,762 $3,415 $3,489 $13,701 $15,014 $3,929 $4,006
GEICO $2,601 $2,615 $2,433 $2,433 $4,619 $5,802 $2,865 $2,914
Liberty Mutual $3,276 $3,276 $3,006 $3,006 $6,868 $10,554 $3,276 $4,425
Nationwide $2,447 $2,417 $2,190 $2,264 $5,823 $7,167 $2,690 $2,799
Progressive $3,227 $3,048 $2,784 $2,972 $9,009 $9,811 $3,876 $3,699
State Farm $1,824 $1,824 $1,657 $1,657 $5,275 $6,719 $2,026 $2,164
USAA $1,411 $1,386 $1,319 $1,307 $4,823 $5,602 $1,760 $1,899

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Minimum Car Insurance in Ormond Beach, FL

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

Minimum Required Car Insurance Coverage in Ormond Beach, 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 Ormond Beach, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Ormond Beach, Florida

Insurance Company Poor Fair Good
Allstate $8,923 $5,667 $4,614
GEICO $4,762 $2,902 $2,191
Liberty Mutual $6,055 $4,456 $3,621
Nationwide $4,338 $3,194 $2,892
Progressive $6,269 $4,439 $3,701
State Farm $3,948 $2,597 $2,134
USAA $3,955 $1,944 $1,416

Cheapest Ormond Beach, 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 Ormond Beach, FL to rates for a clean record with top companies.

Annual Ormond Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,514 $6,596 $7,364 $6,131
GEICO $2,304 $2,930 $4,337 $3,570
Liberty Mutual $3,404 $4,412 $6,389 $4,638
Nationwide $2,975 $3,258 $4,367 $3,298
Progressive $3,803 $5,600 $4,725 $5,085
State Farm $2,647 $3,139 $2,893 $2,893
USAA $1,908 $2,356 $3,487 $2,001

Cheapest Ormond Beach, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ormond Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,701 $15,014
GEICO $4,619 $5,802
Liberty Mutual $6,868 $10,554
Nationwide $5,823 $7,167
Progressive $9,009 $9,811
State Farm $5,275 $6,719
USAA $4,823 $5,602

Cheapest Ormond Beach, FL Car Insurance for Seniors

Take a look at Ormond Beach, 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 Ormond Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,415 $3,489
GEICO $2,433 $2,433
Liberty Mutual $3,006 $3,006
Nationwide $2,190 $2,264
Progressive $2,784 $2,972
State Farm $1,657 $1,657
USAA $1,319 $1,307

Cheapest Ormond Beach, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ormond Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,364
GEICO $4,337
Liberty Mutual $6,389
Nationwide $4,367
Progressive $4,725
State Farm $2,893
USAA $3,487

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Cheapest Ormond Beach, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ormond Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,218 $6,585
GEICO $3,269 $3,301
Liberty Mutual $4,560 $4,861
Nationwide $3,475 $3,475
Progressive $4,803 $4,803
State Farm $2,794 $2,992
USAA $2,411 $2,466

Cheapest Ormond Beach, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Ormond Beach, Florida

ZIP Code Average Annual Rates
32174 $3,064
32176 $3,111

The Best Cheap Car Insurance Companies in Ormond Beach, FL

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

Average Annual Car Insurance Rates by Company in Ormond Beach, Florida

Insurance Company Average Annual Rates
Allstate $6,401
GEICO $3,285
Liberty Mutual $4,711
Nationwide $3,475
Progressive $4,803
State Farm $2,893
USAA $2,438

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Category Winners: Cheapest Car Insurance in Ormond Beach, Florida

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

Best Annual Car Insurance Rates by Company in Ormond Beach, Florida

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

Cheapest Ormond Beach, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ormond Beach, Florida

Insurance Company Low Medium High
Allstate $4,888 $6,745 $7,571
GEICO $2,680 $3,402 $3,772
Liberty Mutual $4,290 $4,787 $5,054
Nationwide $2,745 $3,612 $4,067
Progressive $4,010 $4,916 $5,483
State Farm $2,460 $2,965 $3,254
USAA $2,103 $2,526 $2,686

What affects car insurance rates in Ormond Beach, Florida?

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

Car Theft in Ormond Beach

High levels of vehicle theft can make car insurance more expensive. Ormond Beach, FL car theft statistics from the FBI indicate 95 vehicle thefts a year.

Commute Time in Ormond Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Ormond Beach, FL is 22.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Ormond Beach, FL

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

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Average Monthly Car Insurance Rates by State