Cheapest Auto Insurance in Daytona Beach, Florida (2024)

Daytona Beach drivers pay, on average, $202 per month for liability car insurance, which is higher than the national average of $104 but lower than the state average of $214 per month.

Drivers in Daytona Beach have a high risk of property damage from severe weather during hurricane season between June and November, which likely increases average rates.

Here's what you need to know about finding cheap car insurance in Daytona Beach, including how to compare quotes and coverage options.

3 of the cheapest car insurance companies in Daytona Beach

Many Daytona Beach insurers offer auto rates cheaper than the city average. Whether you qualify for the lowest available rates depends on multiple factors, including your driving record, credit score, the car you drive, and more.^[1]

It’s important to consider factors beyond price when selecting an insurer, however. Your coverage needs, the company’s financial stability, and other features may affect your decision. The average quotes provided below reflect statewide insurance costs in Florida.

Best insurer for full coverage: State Farm

Best insurer for pay-per-mile insurance: Hugo

Best insurance for teen drivers: GEICO

How to get the cheapest car insurance in Daytona Beach

Insurance companies consider many factors when determining auto rates. Here are a few ways to get the cheapest car insurance and  keep your premiums manageable:

• Review discount options. Check out available discounts from multiple insurers to find out where you can save the most money. “Most companies have an advanced quote discount not a lot of people know about,” says Lauren McKenzie, insurance agent at A Plus Insurance. “It kicks in when you establish a policy start date in the future.”

• Pay your bills on time. Your credit score is one of many factors insurers may use to determine your premium. People with lower credit scores typically have higher rates than those with good scores.^[6]

• Shop around. Insurers often have proprietary formulas for determining rates. Different companies may weigh rating criteria differently. To find the best rates, compare quotes from multiple insurance companies.

• Stick around. “Once you have auto insurance, don’t jump around too much between companies,” McKenzie says. “Keep your insurance in force for at least six full months,” she advises. “Having continuous coverage for six months will earn you a discount if you switch companies.”

Cheapest liability-only car insurance in Daytona Beach: State Farm

Liability insurance covers other people’s injuries when you’re at fault in an accident. It also helps cover repair costs to their vehicle. It doesn’t cover your own medical bills or damage to your car, however.^[7]

The average cost of liability-only insurance in Daytona Beach is $202 per month. Check out the table below to see how much different insurers charge for a liability-only policy in Daytona Beach.

Cheapest full-coverage car insurance in Daytona Beach: State Farm

Full coverage car insurance includes collision and comprehensive coverage as well as liability insurance.

Collision coverage pays for damage to your vehicle that results from an accident with another car or a collision with a stationary object, such as a guardrail or a tree. Comprehensive coverage pays for non-accident-related damage to your vehicle. This may include damage from severe weather, falling objects, animal infestations, and more.

Full coverage is usually a good idea if you drive a new car or can’t cover the cost of repairs out of pocket. If you have an auto loan or lease, the lender or leasing company will likely require you to maintain full coverage. 

On average, full-coverage insurance in Daytona Beach costs $277 per month. Compare quotes below.

Car insurance requirements in Florida

Florida drivers must maintain property damage liability (PDL) and personal injury protection (PIP) coverage. PDL helps pay to repair damages you cause to someone else’s property. PIP pays 80% of your medical bills after an accident — Florida requires at least $10,000.^[8] Since Florida is a no-fault state, each driver’s insurance company pays for their injuries, no matter who is at fault.^[9]

While PIP and PDL are the only coverages Florida requires, you may want to consider adding other optional coverages, such as:

• 

  Collision

  Collision pays for damage to your vehicle if you’re in a crash with another car or stationary object.

• 

  Comprehensive

  Comprehensive covers non-accident-related damage to your vehicle.

• 

  Bodily injury liability

  Liability insurance pays for other people’s injuries if you’re at fault in an accident.

• 

  Uninsured/underinsured motorist

  This coverage pays for your injuries (beyond what PIP covers) and repairs to your vehicle if you’re in an accident and an uninsured or underinsured driver is at fault. 

• 

  Add-ons

  Most insurers offer various additional protections for specific circumstances, such as rental car reimbursement, gap coverage, roadside assistance, and customized parts and equipment coverage.

“We recommend $100K/$300K for bodily injury and $100K for property damage,” says Sandy Dunn, president of Dunn & Associates Insurance. “Opting for lower policy limits will reduce your premium, but it also increases your financial risk. What I tell people is if you’re satisfied with a $50K/$100K, then, anything above that, [you’re] self-insured on.” 

“We recommend you look at stacked uninsured motorist [coverage] because of the numerous people [who] are driving around without adequate coverage,” says Dunn. “With stacked coverage, you can combine the bodily injury limits of multiple vehicles. But you can’t combine property damage limits.”

Cheapest car insurance for drivers with an incident

Drivers with at-fault accidents, speeding tickets, DUIs, and other moving violations on their records typically pay higher rates than drivers with clean records. The severity of the rate increase varies based on the infraction.

The average monthly cost of car insurance in Daytona Beach for drivers with a past incident is $202 for liability coverage and $277 for full coverage.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Getting a speeding ticket could cost you more in car insurance, but rates vary by insurer. For Daytona Beach drivers with a past speeding ticket, the average cost of liability coverage is $239 per month.

Take a look at the table below to see how speeding affects liability-only rates at different insurance companies in Daytona Beach.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Drivers with at-fault accidents on their records generally pay more for insurance coverage than drivers without an accident. On average, Daytona Beach drivers with a past accident pay $258 per month for liability insurance.

The table below shows how different Daytona Beach insurance companies handle rate increases for a liability-only policy after an at-fault accident.

Cheapest car insurance for drivers with a DUI: State Farm

Driving under the influence increases your likelihood of getting in an accident. If you get behind the wheel after drinking — and get caught — not only will you lose your license for at least six months, you can expect a hefty increase in your auto insurance rates.

The average cost of liability car insurance for Daytona Beach drivers with a past DUI pay $298 per month.

Check out the table below to see how much a liability-only policy costs after a DUI.

Cheapest car insurance for seniors: State Farm

In general, insurance rates decrease as you gain more driving experience but typically go back up once you hit your 70s. On average, senior drivers in Daytona Beach pay $169 per month for liability coverage and $231 for full-coverage insurance.

Check out the table below to see the average auto insurance rates for seniors through different companies in Daytona Beach.

Cheapest car insurance for teens: GEICO

Teens and adults younger than 25 typically pay more for car insurance than older drivers. Their lack of experience behind the wheel increases their chances of getting in an accident, which insurers consider when setting rates.

But teens have ways to save on auto insurance:

1. Stay on your parents’ car insurance policy for as long as possible. It’s usually cheaper.

2. Drive a car with a high safety rating. You may qualify for a discount if your car has certain types of safety equipment.

3. Take advantage of good student discounts and other discounts for teens and families.

The average monthly cost of auto coverage for teen drivers is $309 per month for liability and $424 for full coverage.

The table below to see the different rates Daytona Beach insurance companies charge teens for a liability-only policy. 

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Daytona Beach car insurance quotes by credit tier

In Florida, insurance companies may consider your credit history when determining your eligibility and rates. Insurers use information from consumer credit reports to generate insurance-based credit scores to help predict the likelihood that you’ll file a claim.

In general, people with excellent or good credit history receive lower rates than people with poor credit history. Check out the table below to see the average monthly quotes for full-coverage insurance by credit tier.

Is car insurance more expensive in Daytona Beach?

Car insurance in Daytona Beach is more expensive than the national average but less than the average cost in Florida. The average cost of insurance in Daytona Beach is $202 per month for liability insurance and $277 for full-coverage insurance.

For comparison, the monthly average cost of coverage in Florida is $214 for liability and $299 for full coverage. The national average cost of insurance is $104 for liability and $213 for full coverage.

Rates vary widely across Florida, but drivers in the state face high rates due to the risk of property damage from hurricanes and tropical storms. For example, auto insurance rates in Tampa and West Palm Beach are much higher than in Daytona Beach, but premiums in Fort Myers are only slightly higher. This is why it’s so crucial to compare car insurance quotes before buying.

“The accident and claim frequency in your ZIP code significantly influence the rate you pay,” says Brian Van Winkle, a licensed insurance agent at Dunn & Associates Insurance in Daytona Beach.

“In areas where insurance companies pay out more money to cover claims, insurance rates are typically higher. To help recoup, they have to raise insurance premiums for everybody in that whole area to help with their loss ratio,” McKenzie says.

More cities in Florida 

Daytona Beach is one of the more affordable cities for auto insurance in Florida. Check out the table below to see how average rates in Daytona Beach compare to other Florida cities.

Daytona Beach car insurance FAQs