120+ more*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on July 10, 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 July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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In Apopka, liability-only insurance coverage meets Florida car insurance requirements and costs an average of $147 per month. A full-coverage insurance policy, which typically includes collision and comprehensive auto insurance coverage, costs an average of $227 per month in Apopka.
Auto insurance quotes in Apopka are comparable to the state average and to those in similarly sized cities in Central Florida. Drivers in nearby Altamonte Springs pay a monthly average of $154 for liability coverage.
Drivers in Orlando, which is a much larger city than Apopka, pay higher rates, averaging $166 monthly for liability coverage and $247 for full-coverage insurance.
Apopka has a relatively high incidence of traffic violations, which may affect drivers’ ability to find competitive rates. In Apopka, 3.95% of drivers have a speeding ticket and 4.26% have an at-fault accident on their driving record, according to Insurify data. For comparison, only 3.16% of all Florida drivers have a speeding ticket, and only 4.10% have an accident.
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If you’re looking for the most affordable car insurance in Apopka, State Farm offers the cheapest liability-only coverage, with an average monthly rate of $79. State Farm has the lowest car insurance rates for full-coverage policies, with a monthly average of $129. Florida insurance coverage is often expensive, so these rates are significantly lower than the state average.
Florida car insurance requirements mandate that every driver carry minimum levels of property damage liability coverage and personal injury protection (PIP). Unlike most states, Florida doesn’t require you to carry bodily injury liability coverage.[1]
Though Florida doesn’t legally require full coverage, Apopka drivers may want the financial protection that comes with a full-coverage policy. Apopka is vulnerable to a range of severe weather events, including hurricanes, flooding, and tornadoes. Having insurance with the right coverage level can help protect you if a major storm hits.
You can find the cheapest liability and full-coverage coverage quotes in Apopka in the table below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $79 |
| Progressive | $80 |
| Clearcover | $84 |
| Mile Auto | $85 |
| GEICO | $90 |
| Embark | $104 |
| Dairyland | $107 |
| Direct Auto | $119 |
| GAINSCO | $119 |
| Mercury | $121 |
| The General | $127 |
| Bristol West | $135 |
| Allstate | $139 |
| AssuranceAmerica | $139 |
| National General | $144 |
| Insurify Car | $154 |
| Root | $158 |
| Travelers | $164 |
| Hugo | $201 |
| Mendota | $222 |
| First Acceptance | $227 |
| Liberty Mutual | $228 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $129 |
| Progressive | $143 |
| Mile Auto | $161 |
| Mercury | $180 |
| GEICO | $187 |
| National General | $189 |
| Direct Auto | $201 |
| Clearcover | $210 |
| Bristol West | $211 |
| Allstate | $223 |
| The General | $242 |
| AssuranceAmerica | $253 |
| Embark | $256 |
| Travelers | $265 |
| GAINSCO | $285 |
| Root | $285 |
| Liberty Mutual | $298 |
| Dairyland | $318 |
| First Acceptance | $332 |
| Mendota | $351 |
Though it’s a small city, Apopka’s car insurance rates are higher than average. While Apopka car insurance is cheaper than auto insurance in larger cities like Tampa, Miami, or nearby Orlando, it’s more expensive than the coverage in cities like Cape Coral or Gainesville.
This may partially be related to the high rate of vehicle theft in Orange County, which includes Apopka. Florida had the third-highest number of thefts by volume in 2025, and Orange County ranked 48th in the nation — out of more than 3,000 counties — for vehicle thefts by volume.
This can increase your car insurance rates, since your Florida insurance company will take the likelihood of having to pay a property insurance claim into account when pricing your policy.
Here’s how Apopka’s average overall monthly auto insurance quotes compare to other cities in Florida.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $168 |
| Clearwater | $174 |
| Davenport | $187 |
| Daytona Beach | $175 |
| Fort Lauderdale | $217 |
| Fort Myers | $178 |
| Gainesville | $156 |
| Jacksonville | $186 |
| Jupiter | $163 |
| Lakeland | $175 |
| Melbourne | $160 |
| Miami | $238 |
| Naples | $161 |
| Ocala | $169 |
| Orlando | $207 |
| Palm Bay | $169 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $221 |
| Riverview | $217 |
| Saint Petersburg | $184 |
| Sarasota | $157 |
| Spring Hill | $197 |
| Tallahassee | $166 |
| Tampa | $239 |
| West Palm Beach | $223 |
| Winter Haven | $180 |
Though Apopka doesn’t draw the same kind of tourism as neighboring Orlando, it still has decent summer crowds coming to the area to cool off at Kelly Park and Rock Springs Run or Wekiwa Springs State Park. These additional tourists on the road in Apopka can increase traffic congestion during the height of the summer season.
Apopka is also at a relatively high risk of flooding and hurricanes, according to the Federal Emergency Management Agency’s Resilience Analysis and Planning Tool. Following the local government’s hurricane preparedness tips and tools can help Apopka residents avoid unsafe driving during inclement weather.[2]
Apopka’s government is also proactive in alerting residents to road closures, roadway repairs, changes to traffic patterns, and how any road work may affect local business owners. Keeping an eye on the Apopka.gov website can help you know what to expect on the road.
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Your driving record is one of the biggest factors in determining your car insurance quotes in Apopka, since insurance companies give the most competitive rates to safe drivers with clean records.
Florida is a no-fault insurance state, which means each driver’s insurance company pays for that driver’s injuries after a crash, regardless of fault. Florida insurance also typically follows the car, rather than the driver.
You’ll likely face higher premiums than drivers with clean records if you’re among the 4.26% of Apopka drivers with an at-fault accident on your record, according to Insurify data.
Similarly, Insurify data has found that 3.95% of Apopka drivers have a speeding ticket, while 0.49% have a driving under the influence (DUI) conviction. Insurance companies know that drivers with these kinds of traffic violations on their records are statistically more likely to have a car accident, which is why they charge higher car insurance rates.
Here’s the average overall cost of insurance coverage in Apopka by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $187 |
| Speeding ticket | $218 |
| At-fault accident | $237 |
| DUI | $244 |
Teenagers in the Sunshine State can start the process of getting their driver’s license at age 15. First, they’ll need to hold a learner’s permit for at least 12 months and complete the required courses and driving hours to secure it.[3] Teen drivers typically pay the highest car insurance rates of any age demographic since they have the least experience behind the wheel.
More than one in four Apopka residents is younger than 18, making affordable car insurance for teen drivers a major financial concern for the city.
Senior drivers 60 and older typically pay the lowest car insurance rates of any age demographic. After decades behind the wheel, these drivers have plenty of experience and often have a clean driving record to match. Only 14% of Apopka’s population is 65 or older, according to U.S. Census data, and they likely receive some of the most competitive rates in the city.
In the table below, you’ll find the cheapest liability rates for Apopka drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $230 |
| 20s | $160 |
| 30s | $144 |
| 40s | $141 |
| 50s | $130 |
| 60s | $122 |
| 70+ | $126 |
*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on July 10, 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 July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
If you’re looking for cheap Apopka car insurance, the answers to the following questions can help you find the right coverage at a competitive rate.
The best way to find affordable coverage in Apopka is to request auto insurance quotes from multiple insurers online, through an insurance agency, or from a local agent. You should compare each insurer’s available coverages, deductibles, insurance discounts, and customer satisfaction to find the most affordable policy.
Apopka drivers pay an average of $147 per month for liability-only coverage and $227 for full coverage. But you may find cheaper or more expensive car insurance quotes, depending on your driving history and other factors.
State Farm has the cheapest auto insurance quote in Apopka, with liability rates averaging $79 per month, according to Insurify data.
Florida is a no-fault state, has one of the nation’s highest rates of vehicle theft, exposure to extreme weather like hurricanes and floods, and a high rate of uninsured motorists. All these factors contribute to the high cost of insurance in Florida.
Florida drivers pay an average of $143 per month for full-coverage car insurance from Progressive and $128 from State Farm. Which insurance company is cheaper for you depends on several factors, including your age, vehicle type, location, coverage options, and driving history. That’s why comparing quotes is the best way to find the most competitive rates for the right coverage for your needs.
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:
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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Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
