Cheapest Auto Insurance in Apopka, Florida (2025)

State Farm offers the cheapest car insurance in Apopka, with minimum-coverage policies as low as $113 per month.

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Cheapest recent rates near Apopka, Florida

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $93/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 October 2, 2025. 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 October 2, 2025. 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 October 2, 2025. 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 October 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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The average total monthly cost of car insurance in Apopka is $187, compared to the national average of $141 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 its important to compare quotes from multiple insurers to find the best deal available to you.

Quick Facts
  • Apopka drivers pay a monthly average of $226 for full-coverage car insurance and $149 for liability-only coverage.

  • Hugo, 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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Hugo6.3N/A$93Cheap rates
State Farm9.3$116$109Drivers with an accident
GEICO9.2$174$164Teen drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.
$93/mo
4.5
Best choiceBased on 157 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (58)
Adrian
Verified Review
Hugo saves the day
Reviewed in Texas on September 2025
They were fast and convenient. Excellent company.
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on April 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.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).
NR
Why we picked this company

Hugo launched in 2021 and is currently the only insurance company offering on-demand car insurance. Drivers can open a Hugo account without paying a down payment up front. Drivers can choose a policy term of three, seven, 14, or 30 days, or six months, and policyholders can pay smaller amounts more frequently instead of all at once. Drivers also receive instant proof of insurance. Hugo currently only offers state-minimum liability coverage in 13 states. J.D. Power and AM Best have not yet evaluated Hugo’s customer satisfaction or financial strength.

Pros
  • Short-term policies

  • No up-front down payment required

  • Flexible, pay-as-you-go insurance

Cons
  • Only available in 13 states

  • Doesn’t offer collision or comprehensive coverage

  • No discounts available

Best insurer for drivers with an accident: State Farm

User Reviews
4.1
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.
$113/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.
$120/mo
4.1
Best choiceBased on 11,776 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,224)
Glick
Verified Review
State Farm has never let me down!
Reviewed in California on October 2025
I have been with them for decades... there is a good reason for that!
William
Verified Review
F egm
Reviewed in Alabama on October 2025
High rate increase.
Anna
Verified Review
State Farm for Life!
Reviewed in New York on October 2025
Coverage is great, but the price seems to be going up every month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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.
$169/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.
$180/mo
3.9
A solid optionBased on 12,432 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,575)
Gregory
Verified Purchase
Geico
Reviewed in on October 2025
Good rates and service.
Renee
Verified Review
Average
Reviewed in New Jersey on October 2025
Good insurance, but the rates are too high and increase every year.
Mary Ann
Verified Purchase
Satisfied
Reviewed in on October 2025
I am pleased with my car rate. In the past, I’ve paid much more. I am also happy about the roadside service that is offered.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.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 $113/mo. for liability coverage

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Apopka: State Farm

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 $149 per month, but you may find more attractive deals from the companies in the table below.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$113
Mile Auto$119
Direct Auto$154
Progressive$157
Mercury$168
GEICO$169
Infinity$182
National General$188
Bristol West$191
Allstate$196
The General$196
GAINSCO$200
Root$207
Travelers$232
AssuranceAmerica$289
Liberty Mutual$399
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $226 per month in Apopka, but drivers may find cheaper rates from the following companies.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$120
Mile Auto$162
GEICO$180
Progressive$207
Allstate$208
Mercury$212
National General$225
Direct Auto$247
Travelers$248
Infinity$263
Bristol West$268
The General$283
Root$322
GAINSCO$333
Liberty Mutual$410
AssuranceAmerica$427
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Apopka, Florida

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $93/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 October 2, 2025. 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 October 2, 2025. 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 October 2, 2025. 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 October 2, 2025. 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]

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Personal injury protection

    $10,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/c8ad9d5019/driving-accidents.svg

    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: State Farm

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 $165.

Find Car Insurance in Apopka, FL

Monthly rates start at $130 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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

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 $303, while liability-only policies average $200 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 are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$113$146
Mile Auto$119$148
Direct Auto$154$200
Progressive$157$210
Mercury$168$241
GEICO$169$226
Infinity$182$234
National General$188$242
Bristol West$191$248
Allstate$196$257
The General$196$268
GAINSCO$200$249
Root$207$282
Travelers$232$306
AssuranceAmerica$289$355
Liberty Mutual$399$518
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

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 $279 per month for full coverage and $184 for liability-only coverage. The following table illustrates liability-only quotes for Apopka drivers with at-fault accidents.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$113$141
Mile Auto$119$152
Direct Auto$154$202
Progressive$157$194
Mercury$168$238
GEICO$169$205
Infinity$182$224
National General$188$238
Bristol West$191$241
Allstate$196$247
The General$196$259
GAINSCO$200$247
Root$207$258
Travelers$232$295
AssuranceAmerica$289$339
Liberty Mutual$399$508
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

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 $297 for full coverage and $196 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 are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$113$156
Mile Auto$119$164
Direct Auto$154$212
Progressive$157$206
Mercury$168$243
GEICO$169$225
Infinity$182$251
National General$188$259
Bristol West$191$264
Allstate$196$270
The General$196$270
GAINSCO$200$276
Root$207$280
Travelers$232$320
AssuranceAmerica$289$399
Liberty Mutual$399$551
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

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 $200 for full coverage and $132 for liability-only policies. Apopka seniors may find better-than-average rates from the following companies.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$97$91
Mile Auto$130$96
GEICO$146$137
Allstate$173$163
Mercury$176$140
National General$180$150
Progressive$184$139
Infinity$192$133
Travelers$202$189
Direct Auto$203$126
Bristol West$226$161
The General$239$166
Root$276$177
GAINSCO$287$172
AssuranceAmerica$338$229
Liberty Mutual$349$340
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

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 youre 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 $387 for full coverage and $255 for liability only. The following table shows the insurers with the cheapest rates for teen drivers in Apopka.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$224$211
GEICO$315$296
Mile Auto$324$238
Progressive$354$269
Mercury$386$306
Allstate$398$375
Infinity$433$299
National General$445$372
Bristol West$465$331
Direct Auto$471$294
The General$475$329
Travelers$490$458
Root$543$349
GAINSCO$608$365
Liberty Mutual$702$683
AssuranceAmerica$835$565
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Apopka?

Drivers in Apopka pay an average of $226 per month for full-coverage car insurance, compared to the state average of $206 per month. Liability averages $149 per month in Apopka and $156 at the state level.

But compared to the national averages of $180 per month for full coverage and $101 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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Cape Coral$195$149
Clearwater$192$147
Fort Lauderdale$228$188
Jacksonville$215$158
Miami$263$202
Ocala$187$152
Orlando$224$173
Pensacola$189$127
Tallahassee$197$130
Tampa$267$208
Winter Haven$206$164
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $187 per month for car insurance. Liability coverage averages $149 per month, while full coverage is $226, 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?

    State Farm has the cheapest car insurance for most drivers in Apopka, with liability rates that start at $113 per month.

    Apopka drivers can also find cheap rates from Mile Auto and Direct Auto, the second- and third-cheapest companies in the city. Their liability rates start at $119 and $154 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.

Methodology

Insurify data scientists analyzed more than 90 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Related articles

Sources

  1. National Association for Insurance Commissioners. "Auto Insurance."
  2. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  3. Insurance Information Institute. "Infographic: Insurance Rating Variables: What They Are and Why They Matter."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Insurance Information Institute. "Senior driving safety and insurance tips."
  6. Insurance Information Institute. "Auto insurance for teen drivers."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Taylor has been a contributor at Insurify since February 2023.

Katie Powers
Edited byKatie PowersSenior Editor
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Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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