Cheapest Auto Insurance in Apopka, Florida (2026)
Progressive offers the cheapest car insurance in Apopka, with minimum-coverage policies as low as $103 per month.
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The average total monthly cost of car insurance in Apopka is $189, compared to the national average of $140 per month. Car insurance rates tend to be higher in Florida, and factors like severe weather hazards, population density, commute time, and accident frequency all likely affect rates in Apopka.
Driver-specific rating factors such as driving history, age, gender, vehicle make and model, and more also influence car insurance costs, so it’s important to compare quotes from multiple insurers to find the best deal available to you.
Quick Facts
Apopka drivers pay a monthly average of $235 for full-coverage car insurance and $143 for liability-only coverage.
Progressive, State Farm, and Mile Auto offer the cheapest car insurance in Apopka.
The city’s relatively high population density of more than 1,500 people per square mile, and congested roadways, also affect car insurance rates.
3 of the cheapest car insurance companies in Apopka
If you’re looking for the best car insurance companies in Apopka, cost is probably one of your top factors in consideration. Though the price of a policy depends on your insurance needs, driving record, and other factors, you can typically find a good deal on car insurance.
Hugo, State Farm, and GEICO offer the best car insurance at affordable rates in Apopka. Here’s what you need to know about each insurer.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Hugo | 6.3 | N/A | $251 | Cheap rates |
| State Farm | 9.3 | $144 | $103 | Drivers with an accident |
| GEICO | 9.2 | $203 | $117 | Teen drivers |
Disclaimer: Table data sourced from real-time Apopka car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Apopka may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Hugo
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $251/mo |
4.5
Best choiceBased on 207 verified driver reviews and ratings
Hugo's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 67 Hugo reviews
Verified Purchase
Reviewed in Illinois on April 2, 2026
They are convenient for most of your needs! They have great prices for what you're looking for.
Verified Purchase
Reviewed in Illinois on March 21, 2026
I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.
Verified Purchase
Reviewed in Pennsylvania on March 18, 2026
I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not ratedA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRBest insurer for drivers with an accident: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $111/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $156/mo |
4.0
Best choiceBased on 16,895 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Florida reviews for Apopka driversSee all 7,357 State Farm reviews
Verified Review
Reviewed in Florida on April 8, 2026
They keep raising their rates regardless of how long you have been insured by them.
Verified Review
Reviewed in Florida on April 6, 2026
Their rates are climbing way too rapidly. They are going to price me out of doing business with them.
Verified Review
Reviewed in Florida on April 4, 2026
Even with high deductibles, it is still pricey.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers competitive rates for Apopka drivers with an at-fault accident on their record. The company has an AM Best financial strength rating of A++ (Superior), the highest level possible, and a below-average number of complaints, according to the National Association of Insurance Commissioners (NAIC) complaint index.
Pros
Competitive rates for drivers with high-risk violations
Extensive list of discounts
Cons
Gap insurance not available
Mixed customer service reviews
Best insurer for teen drivers: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $126/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $218/mo |
3.9
A solid optionBased on 17,152 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Florida reviews for Apopka driversSee all 7,587 GEICO reviews
Verified Review
Reviewed in Florida on April 10, 2026
Too much money. I've never had an accident, and they keep raising my rates.
Verified Review
Reviewed in Florida on April 7, 2026
Not sure why I had to pay so much (around $135/month) for the minimum coverage (PIP). That is why I shopped around and finally switched to Progressive, which is slightly cheaper.
Verified Review
Reviewed in Florida on April 6, 2026
I've been with this insurance company for more than 8 years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO has affordable pricing for teenage drivers, an age group that pays the most expensive rates. Teens' lack of driving experience and higher accident rates make them riskier to insure. Due to the company’s extensive list of discounts, it’s possible to secure coverage for less. GEICO has an AM Best financial strength rating of A++ (Superior) and a below-average number of complaints on the NAIC complaint index.
Pros
Accident forgiveness coverage available
Competitive pricing for drivers who typically face high prices due to age or previous violations
Cons
Gap insurance not available
Increased rates for high-risk drivers
How to get the cheapest car insurance in Apopka
You can’t control some factors that affect car insurance rates, like your age and location. But you can take steps to lower your car insurance costs.
Raise your deductible. If you opt for a higher comprehensive or collision insurance deductible, you can often decrease the cost of coverage. But make sure you can afford the deductible in the event of an accident.
Enroll in a defensive driving course. Some insurers allow customers to lower their coverage costs by enrolling in a defensive driving course. After you complete the course, you may qualify for a discount.
Qualify for discounts. Check with your insurance company about potentially available discounts. There are usually a handful of options, including a loyalty discount, a good student discount, or a discount for bundling your auto coverage with home, renters, or another policy type from the same insurer.
Find Car Insurance in Apopka
Rates start at just $103/mo. for liability coverage
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Cheapest liability-only car insurance in Apopka: Progressive
If you cause an accident, liability insurance covers damage to the other vehicle and medical expenses for the other driver.[1] The minimum-coverage requirements vary from state to state, but Florida does mandate coverage for residents.
The average cost of liability-only coverage in Apopka is $143 per month, but you may find more attractive deals from the companies in the table below.
The below rates in Apopka, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $103 |
| Mile Auto | $111 |
| State Farm | $111 |
| Clearcover | $114 |
| GEICO | $126 |
| Dairyland | $131 |
| Embark | $141 |
| Infinity | $144 |
| Mercury | $159 |
| Direct Auto | $160 |
| GAINSCO | $163 |
| The General | $172 |
| Bristol West | $185 |
| Root | $192 |
| Allstate | $193 |
| AssuranceAmerica | $198 |
| National General | $198 |
| Travelers | $230 |
| Mendota | $299 |
| First Acceptance | $313 |
| Liberty Mutual | $313 |
| Liberty Mutual | $313 |
Disclaimer: Table data sourced from real-time Apopka car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Apopka may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Apopka: State Farm
Full-coverage car insurance includes comprehensive, collision, and liability protection. A full-coverage policy can help pay to repair or replace your vehicle in case of an accident or covered event, regardless of who’s at fault.
Full coverage averages $235 per month in Apopka, but drivers may find cheaper rates from the following companies.
The below rates in Apopka, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $156 |
| Progressive | $174 |
| Mile Auto | $179 |
| Mercury | $213 |
| GEICO | $218 |
| National General | $229 |
| Clearcover | $238 |
| Direct Auto | $241 |
| Bristol West | $258 |
| Allstate | $270 |
| Infinity | $271 |
| The General | $283 |
| Embark | $308 |
| Root | $310 |
| AssuranceAmerica | $311 |
| Travelers | $321 |
| GAINSCO | $332 |
| Liberty Mutual | $354 |
| Liberty Mutual | $354 |
| Dairyland | $368 |
| First Acceptance | $401 |
| Mendota | $408 |
Disclaimer: Table data sourced from real-time Apopka car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Apopka may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Apopka, Florida drivers
Drivers using Insurify have found quotes as cheap as $96/mo for liability only and $131/mo for full coverage in Apopka and other Florida cities.
*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Every state requires minimum liability coverage for drivers, including Florida. Apopka drivers must have the minimum amount of personal injury protection (PIP) and property damage liability coverage to meet the legal requirements.[2]
Personal injury protection
$10,000 per accident
Property damage liability
$10,000 per accident
You should think about buying additional coverage because the minimums don’t typically cover the costs of an accident.
“The average car cost of a new car is [between] $48K and $55K, depending on what source you quote,” explains Earl Jones, insurance agent and owner of his own insurance agency in California. If you only have the minimum liability insurance, you may quickly run out of coverage and need to pay the remaining expenses out of pocket.
Here are some optional coverages to consider:
Collision coverage
Regardless of fault, collision insurance covers the costs of your vehicle repairs, whether you collide with another vehicle or stationary object like a tree or light pole. It also pays for rollover accidents and damage from hitting a pothole. Collision is part of a full-coverage car insurance policy, which your lender or leasing company will require if you finance or lease your vehicle.
Uninsured/underinsured motorist coverage
If the other driver causes an accident and doesn’t have adequate coverage, uninsured/underinsured motorist coverage can pay for your costs associated with the accident. UM/UIM also covers hit-and-run accidents.
Comprehensive coverage
Comprehensive insurance provides protection if your car sustains damages due to a non-collision accident, like vandalism, theft, hail, floods, and cracked windshields. Comprehensive is part of a full-coverage car insurance policy.
Gap insurance
If an accident totals your leased or financed vehicle, insurance will pay the actual cash value of your vehicle, which could be less than you still owe on it. Gap insurance steps in to bridge the difference between your vehicle's actual cash value and your remaining loan or lease balance.
Accident forgiveness
An at-fault accident can significantly increase your car insurance premium for several years. But if you buy accident forgiveness coverage before something happens, your rates won't rise after your fist at-fault accident.
Cheapest car insurance for drivers with an incident: Progressive
Your car insurance costs can increase due to driving incidents like a driving under the influence (DUI) charge, speeding ticket, or an at-fault accident.[3] These incidents indicate to insurers that you might file a claim in the future, which makes you more expensive to insure.
The overall average monthly rate for Apopka residents with an incident on their record is $161.
Find Car Insurance in Apopka, FL
Monthly rates start at $116 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Progressive
Insurance rates usually increase for several years after a speeding ticket.[4] Because of that, you should compare quotes from different insurers to find the best deal.
The average monthly cost of full coverage with a ticket in Apopka is $274, while liability-only policies average $167 with a ticket. The following table shows the average monthly costs of top insurers for Apopka drivers with speeding tickets on their records.
The below rates in Apopka, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $103 | $120 |
| Mile Auto | $111 | $131 |
| State Farm | $111 | $136 |
| Clearcover | $114 | $141 |
| Dairyland | $131 | $157 |
| GEICO | $126 | $159 |
| Embark | $141 | $165 |
| Infinity | $144 | $177 |
| GAINSCO | $163 | $188 |
| Direct Auto | $160 | $194 |
| Mercury | $159 | $213 |
| The General | $172 | $223 |
| Bristol West | $185 | $226 |
| Allstate | $193 | $243 |
| AssuranceAmerica | $198 | $244 |
| Root | $192 | $248 |
| Travelers | $230 | $289 |
| Mendota | $299 | $349 |
| First Acceptance | $313 | $365 |
| Liberty Mutual | $313 | $385 |
| Liberty Mutual | $313 | $385 |
Disclaimer: Table data sourced from real-time Apopka car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Apopka may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Progressive
If you cause an accident or other auto incident, you probably have an at-fault accident on your driving record. As a result, your monthly auto insurance rates usually increase unless you have accident forgiveness. An accident can affect your rates for three years or longer.
Apopka drivers with at-fault accidents on their motor vehicle records pay an average of $300 per month for full coverage and $182 for liability-only coverage. The following table illustrates liability-only quotes for Apopka drivers with at-fault accidents.
The below rates in Apopka, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $103 | $131 |
| State Farm | $111 | $145 |
| Mile Auto | $111 | $147 |
| Clearcover | $114 | $161 |
| GEICO | $126 | $162 |
| Dairyland | $131 | $170 |
| Embark | $141 | $180 |
| Infinity | $144 | $187 |
| GAINSCO | $163 | $205 |
| Direct Auto | $160 | $214 |
| The General | $172 | $233 |
| Mercury | $159 | $234 |
| Bristol West | $185 | $240 |
| Root | $192 | $253 |
| Allstate | $193 | $254 |
| AssuranceAmerica | $198 | $258 |
| Travelers | $230 | $305 |
| Mendota | $299 | $381 |
| First Acceptance | $313 | $399 |
| Liberty Mutual | $313 | $408 |
| Liberty Mutual | $313 | $408 |
Disclaimer: Table data sourced from real-time Apopka car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Apopka may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Progressive
A DUI causes your insurance rates to increase, perhaps more than any other driving infraction. Your current insurance company might drop your coverage due to the seriousness of the driving incident, or you may face increased rates for many years. In Florida, a DUI stays on your motor vehicle record for 75 years.
If you need new coverage after a DUI in Apopka, you'll face average monthly rates of $311 for full coverage and $189 for liability only. The following insurance companies offer the cheapest liability-only quotes for Apopka drivers with a DUI on their motor vehicle records.
The below rates in Apopka, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $103 | $136 |
| Mile Auto | $111 | $153 |
| State Farm | $111 | $153 |
| Clearcover | $114 | $158 |
| GEICO | $126 | $173 |
| Dairyland | $131 | $181 |
| Embark | $141 | $187 |
| Infinity | $144 | $199 |
| Direct Auto | $160 | $221 |
| GAINSCO | $163 | $225 |
| The General | $172 | $229 |
| Mercury | $159 | $232 |
| Bristol West | $185 | $256 |
| Allstate | $193 | $267 |
| Root | $192 | $268 |
| AssuranceAmerica | $198 | $274 |
| Travelers | $230 | $318 |
| Mendota | $299 | $396 |
| First Acceptance | $313 | $414 |
| Liberty Mutual | $313 | $433 |
| Liberty Mutual | $313 | $433 |
Disclaimer: Table data sourced from real-time Apopka car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Apopka may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Progressive
Car insurance rates fluctuate with age. Teenagers cost the most to insure because of their higher accident risks, but rates decrease for drivers around the age of 25 and continue to decrease through retirement age. You might see rates increase again slightly around age 70 due to increased accident risks.[5]
Seniors in Apopka have access to competitive car insurance rates, with average monthly costs of $212 for full coverage and $129 for liability-only policies. Apopka seniors may find better-than-average rates from the following companies.
The below rates in Apopka, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $126 | $89 |
| Mile Auto | $145 | $90 |
| Progressive | $157 | $93 |
| Mercury | $173 | $129 |
| GEICO | $177 | $103 |
| Infinity | $201 | $107 |
| Direct Auto | $202 | $134 |
| Clearcover | $216 | $103 |
| Bristol West | $220 | $158 |
| Allstate | $224 | $160 |
| The General | $246 | $150 |
| AssuranceAmerica | $250 | $159 |
| Travelers | $262 | $188 |
| Root | $265 | $164 |
| Embark | $277 | $127 |
| GAINSCO | $290 | $142 |
| Liberty Mutual | $302 | $267 |
| Liberty Mutual | $302 | $267 |
| Dairyland | $319 | $113 |
| First Acceptance | $361 | $282 |
| Mendota | $367 | $269 |
Disclaimer: Table data sourced from real-time Apopka car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Apopka may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Progressive
Teenagers face the most expensive insurance rates due to their lack of driving experience and risky driving habits.[6] Staying on your parents’ insurance plan, opting for a safe car, and qualifying for a good student discount can help reduce your costs as a teen driver. And if you’re younger than 18, you won't be able to buy your own policy without the written consent of a parent or guardian.
Teen drivers in Apopka face average monthly rates of $401 for full coverage and $244 for liability only. The following table shows the insurers with the cheapest rates for teen drivers in Apopka.
The below rates in Apopka, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $295 | $210 |
| Progressive | $297 | $176 |
| Mile Auto | $360 | $223 |
| Mercury | $378 | $282 |
| Clearcover | $379 | $181 |
| GEICO | $383 | $222 |
| Bristol West | $444 | $319 |
| Infinity | $453 | $241 |
| Direct Auto | $455 | $302 |
| The General | $492 | $299 |
| Allstate | $520 | $372 |
| Root | $523 | $324 |
| Embark | $526 | $241 |
| GAINSCO | $580 | $285 |
| Liberty Mutual | $602 | $532 |
| Liberty Mutual | $602 | $532 |
| Dairyland | $619 | $220 |
| AssuranceAmerica | $627 | $399 |
| Travelers | $652 | $467 |
| First Acceptance | $685 | $534 |
| Mendota | $697 | $511 |
Disclaimer: Table data sourced from real-time Apopka car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Apopka may vary based on the policy buyer's unique driver profile.
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Apopka car insurance quotes by credit tier
Florida insurers can consider your credit history as a factor when determining auto insurance pricing. Some states prohibit insurers from considering credit, but Apopka residents can expect their credit history to affect quotes.
Insurers use credit history to generate credit-based insurance scores that predict the likelihood of you filing a claim. Drivers with excellent or good credit scores usually secure lower rates on car insurance. People with poor credit scores typically pay higher rates.
The average rates in Apopka increase as credit scores decrease. Here’s what Apopka drivers pay by credit tier.
Rates by Credit Tier
Excellent | Good | Fair | Poor | |
|---|---|---|---|---|
| Credit Tier | $368 | $435 | $478 | $742 |
Is car insurance more expensive in Apopka?
Drivers in Apopka pay an average of $235 per month for full-coverage car insurance, compared to the state average of $217 per month. Liability averages $143 per month in Apopka and $135 at the state level.
But compared to the national averages of $183 per month for full coverage and $97 for liability only, Apopka residents pay more than other U.S. drivers. When determining prices, car insurance companies consider an area’s weather, traffic, crime rates, and other factors. Due to its location, Florida residents pay high rates for car insurance.
More cities in Florida
Apopka offers competitive car insurance rates compared to other cities in the state. The following table shows average monthly rates in other Florida cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Cape Coral | $203 | $127 |
| Clearwater | $209 | $135 |
| Fort Lauderdale | $246 | $172 |
| Jacksonville | $220 | $141 |
| Miami | $272 | $184 |
| Ocala | $200 | $128 |
| Orlando | $239 | $161 |
| Pensacola | $201 | $118 |
| Tallahassee | $201 | $120 |
| Tampa | $272 | $187 |
| Winter Haven | $225 | $126 |
Disclaimer: Table data is based on real-time Apopka quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Apopka car insurance FAQs
Finding auto coverage that works best for your budget and insurance needs can feel overwhelming. The information below should help you navigate the process of finding car insurance in Apopka, Florida.
How much is car insurance in Apopka?
On average, Apopka drivers pay a total of $189 per month for car insurance. Liability coverage averages $143 per month, while full coverage is $235, on average. Your premium ultimately depends on your driving record, credit history, age, insurer, location, and more.
Which company has the cheapest car insurance in Apopka?
Progressive has the cheapest car insurance for most drivers in Apopka, with liability rates that start at $103 per month.
Apopka drivers can also find cheap rates from State Farm and Mile Auto, the second- and third-cheapest companies in the city. Their liability rates start at $111 and $111 per month, respectively.
What are the best car insurance companies in Apopka?
State Farm has an IQ Score of 9.3 out of 5, which indicates financial strength, customer satisfaction, and quality coverage options, making it the best car insurance company in the city. GEICO and Allstate also offer quality coverage, and Hugo has the best on-demand coverage options.
Is Florida a no-fault state?
Yes. Florida is a no-fault state, which means that each driver involved in an accident must file a claim with their respective auto insurer, regardless of fault.
Do you need a car when living in Apopka?
Most people living in Apopka need a car to comfortably get around the city. That said, the Central Florida Regional Transportation Authority provides some public transportation options, including bus routes. And multiple ride-sharing services are available in the area.
Sources
- National Association for Insurance Commissioners. "Auto Insurance."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Insurance Information Institute. "Infographic: Insurance Rating Variables: What They Are and Why They Matter."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "Auto insurance for teen drivers."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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