Cheap Auto Insurance in Ocala, Florida

Cheap Auto Insurance in Ocala, Florida

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We analyzed quotes from the top auto insurers and found that the cheapest car insurance in Ocala is offered by State Farm. Its rate of $1,104 per year for auto insurance coverage was 21% less than the citywide average. However—as rates can vary based on your age, driving history and where you live—we recommend that you compare quotes to get the best auto insurance rates. Enter your ZIP code above to begin collecting quotes from insurers near you.

Ocala, Florida Car Insurance Costs

In Ocala, the average cost of car insurance for our profile driver was $1,402 per year. This rate is 12% cheaper than the Florida average of $1,589 per year. Across the car insurance companies we considered, annual rates varied by $624 per year from the cheapest insurer, which was State Farm, to the most expensive company, which was Progressive. This large difference in rates is why we always recommend that drivers compare car insurance quotes.

Comparing the cost of auto insurance in Ocala, Florida

Ocala, Florida Auto Insurance Agents

Some drivers find it helpful to speak to a local insurance agent directly. Insurance agents can help drivers decide how much coverage they may need and help them manage their policies. Below, we've compiled a directory of insurance agents and agencies located in Ocala, Florida.

Name

Address
Phone
The Nation Group420 S.E. Eighth St., Ocala, FL 34471352-732-3881
Advanced Insurance Underwriters - Ocala409 S.E. Wenona Ave., Ocala, FL 33471-4264352-237-5300
Holder Insurance Agency Inc.1635 S.W. First Ave., Ocala, FL 34471352-237-1141
Bird Insurance Agency LLC516 S.E. 17th St., Ocala, FL 34471352-622-3899
Dyruff Insurance Agency Inc.1157 N.E. 14th St., Ocala, FL 34470352-732-7070
Lassiter Ware - Ocala2011 S.W. 20 Pl. #101, Ocala, FL 34471352-368-2500
Brown & Brown of Florida Inc. - Ocala1720 S.E. 16th Ave. Suite 301, Ocala, FL 34471352-732-5010
George F Mangan Insurance Inc.725 N.E. 25th Ave., Ocala, FL 34470352-732-3191
AAA Insurance Agency - Ocala3033 S.W. College Blvd. Unit 101, Ocala, FL 32674800-891-4222
AAA South - Ocala3033 S.W. College Rd. Unit 101, Ocala, FL 32674800-891-4222
BB&T - Oswald & Trippe3306 S.W. 26th Ave. Suite 302, Ocala, FL 34474352-861-4534
Rick Callum Insurance Inc.3306 S.W. 26th Ave., Ocala, FL 34471352-694-4200
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Car Insurance Requirements in Ocala, Florida

Ocala drivers are required to maintain the same minimum car insurance as those in the rest of the Sunshine State. In Florida, the minimum car requirements are as follows:

  • Property damage liability (PDL): $10,000 per accident
  • Personal injury protection (PIP): $10,000 per accident

Ocala, Florida Motor Vehicle Theft and Fatality Statistics

There are 30% fewer car thefts in Ocala compared to the rest of the state, which means drivers can generally get good rates on their comprehensive coverage. Comprehensive coverage covers your vehicle if it is stolen or damaged in an event that is not a car accident.

In Ocala, there have been 82 fatal car crashes resulting in 91 total deaths. Car insurance companies set rates based on the frequency of auto claims that result from accidents. Areas with a high frequency of serious auto accidents can expect to pay more for auto insurance than areas with safer roads.

Statistic
Figure
Population56,517
Ocala auto thefts (2009)100
Ocala thefts per 1,000 people1.77
Florida thefts per 1,000 people2.64
Fatal auto accidents82
Auto fatalities91
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Make and model

Fatalities
Accidents
Chevrolet C, K, R, V-series pickup/Silverado15
Ford F-Series pickup24
Chevrolet Malibu/Malibu Maxx43
Make unknown (as to automobile, motorcycle, light truck or truck)13
Other make * Other (vehicle)23

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Roadway
Fatalities
Accidents
SR-401110
US-30165
US-2765
SR-4444
I-7574
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Day of week

Fatalities
Accidents
Wednesday1717
Saturday2216
Friday1212
Thursday1111
Sunday1110
Monday109
Tuesday87

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Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.