Find Cheap Auto Insurance Quotes in Ocala
The average price for car insurance in Ocala, Florida, is $1,946 per year for a minimum policy, or $2,690 for full coverage.
But some insurers charge lower prices than others, and we found that Geico and State Farm have the best prices for most drivers. Geico has the lowest prices for drivers with a clean record, as well as younger drivers, while State Farm has great rates for people with a recent incident or imperfect credit.
Every driver will find different quotes based on their driving history, what car they drive and where they live, so the only way to find the best price for you is to get quotes from several insurers.
Cheapest auto insurance in Ocala: Geico
The most affordable option for basic car insurance in Ocala is Geico, which offered our sample driver a year of coverage for $816 — 58% less than the overall average of $1,946.
State Farm's average rate is also competitive, at just $852 per year, or about $36 more annually.
Find Cheap Auto Insurance Quotes in Your Area
Cheapest full coverage car insurance in Ocala: Geico
For drivers who want to include bodily injury liability, comprehensive and collision coverages in addition to the legally mandated coverages, we recommend Geico. You can expect to pay about $1,413 for a full coverage policy, which is 47% lower than the average rate we found citywide.
In addition to the basic state-mandated coverages of property damage liability and personal injury protection, full coverage also includes the following:
- Bodily injury liability coverage: Pays for damage to others in a car crash that you're responsible for, such as medical bills or lost wages.
- Comprehensive coverage: Pays for damage to your car due to things other than a collision, such as theft, vandalism or animal damage.
- Collision coverage: Pays for damage to your car that it sustains in a crash, regardless of who is at fault.
Cheap car insurance for drivers with prior incidents
Insurance companies set your rates in part based on your driving history. For example, if you've been involved in an accident, you are more likely to get in another crash in the future — and your rates will go up as a result. So we found the cheapest insurers for drivers who have:
Cheapest car insurance in Ocala after an accident: State Farm
State Farm has the best price for insurance after an at-fault accident — our sample driver got a quote for just $1,669 for a full coverage policy from that insurer.
Drivers who have been recently involved in a crash are statistically more likely to be involved in another in the future, so car insurance companies charge more after an accident.
Cheapest car insurance for people with a speeding ticket: State Farm
Insurance companies know that drivers who are caught speeding get in crashes more often, so you'll find that your rates increase after a ticket. We found an average increase of about 27% and an average price of $3,428 for a full coverage policy.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is among the most serious driving infractions out there, and if you're convicted of driving under the influence, you may lose your license — in addition to seeing substantially higher rates. We found an average increase of 27% in Ocala, with an average price of $3,428 per year for full coverage.
However, State Farm has surprisingly affordable rates for our sample driver, with an average price of just $1,545. That's 54% cheaper than the average rate across all of the insurers we looked at.
Cheapest car insurance for drivers with poor credit: State Farm
Your credit score doesn't reflect your driving ability, but insurance companies have found that drivers with bad credit are more likely to make a claim or miss an insurance payment. As a result, you're likely to see higher rates if you don't have stellar credit: We found an average price of $3,752 per year for full coverage.
Cheapest car insurance for young drivers: Geico
Younger drivers often see the highest insurance rates of all. They're still learning the rules of the road and may not be as adept at evaluating risks as a more experienced driver. We found an average price for a young driver of $4,646 per year for minimum coverage. That's more than an adult driver will pay for a full coverage policy.
But younger drivers may be able to find a better rate at Geico, which gave our sample driver an average price of just $2,079 per year. That will save them 55% compared to the average rate.
Best auto insurance companies in Ocala, Florida
Finding a dependable car insurer with great service is just as important as getting an affordable price, and we found that Allstate, State Farm and Geico have the best-rated service among Florida insurers.
They had the best overall performance among Florida providers in our national survey of insurance companies, as customers of those companies were more likely to be satisfied with the customer service they received.
Average car insurance cost in Ocala, by neighborhood
Insurance prices vary by location, even within the city of Ocala. You might pay more for car insurance if car theft is a problem in your neighborhood or you live in an area with a lot of hit-and-run crashes.
Here's a full breakdown of how much you can expect to pay for car insurance by ZIP code:
Auto theft statistics in Ocala
We compared car theft rates in Ocala to car theft rates in the biggest cities in Florida and found that thefts are moderately common in Ocala, at a rate of 2.7 thefts per 1,000 residents in 2019. The average rate statewide in Florida is 2.3 thefts per 1,000 residents, so Ocala's rate is slightly above average.
Thefts per 1,000 residents
|Port St. Lucie||199,433||81||0.4|
Motor vehicle theft data was pulled from the FBI 2019 Florida crime report.
We collected data from four of the largest insurers in Florida. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver had average credit and received rates for a full coverage policy.
We used the following coverage limits for state minimum and full coverage quotes:
|Bodily injury liability||—||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000||$10,000|
|Property damage liability||$10,000 per accident||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||—||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||—||$500 deductible|
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.