Cheapest Auto Insurance in Apopka, Florida (2026)
State Farm offers the cheapest car insurance in Apopka, with minimum-coverage policies as low as $111 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byTaylor Milam-Samuel
)
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Featured in
){kind=logo}
){kind=small}
){kind=logo}
)
Edited byKatie Powers
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
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.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
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.
Table of contents
The average total monthly cost of car insurance in Apopka is $191, compared to the national average of $137 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 $223 for full-coverage car insurance and $160 for liability-only coverage.
State Farm, Progressive, 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 | $159 | Cheap rates |
| State Farm | 9.3 | $116 | $105 | Drivers with an accident |
| GEICO | 9.2 | $180 | $158 | Teen 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. | $159/mo |
4.5
Best choiceBased on 176 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 (60)
Nathan
Verified Purchase
Answered this in previous quote
Reviewed in Kentucky on January 2026
Great for emergencies only. Too expensive otherwise.
Michael
Verified Review
Affordable and convenient
Reviewed in Georgia on October 2025
Wonderfully convenient.
Adrian
Verified Review
Hugo saves the day
Reviewed in Texas on September 2025
They were fast and convenient. Excellent company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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. | $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. | $124/mo |
4.1
Best choiceBased on 13,918 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 (6,855)
Robert
Verified Review
State Farm is not there for you
Reviewed in California on January 2026
I had no problem until I had a problem. I hit a fast track divider post to avoid getting into an accident. They said I was 51% at fault and paid nothing.
Geoffrey
Verified Review
State Farm: Great Company
Reviewed in Florida on January 2026
They’ve been fantastic, just trying to find lower rates.
Jim
Verified Review
My Response
Reviewed in Ohio on January 2026
Okay. Online tools are not user-friendly. The monthly statement does not reflect the balance due or the amount paid for the prior month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC 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 | 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. | 9.2 /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. | $170/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. | $190/mo |
4.0
Best choiceBased on 14,344 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 (7,166)
Candi
Verified Review
Good at first but then...
Reviewed in Virginia on January 2026
At first, Geico was good, but then my payments began to get higher and higher.
Tyler
Verified Review
Awful. Cannot wait to leave them
Reviewed in New Jersey on January 2026
They are rude, make changes without notifying you, and when you find out, they are unable to make anything right. They are expensive and often remove discounts without reason, and you have to fight hard to have them reinstated.
Herbert
Verified Review
Geico is one of the best insurance companies to work with.
Reviewed in Pennsylvania on January 2026
With insurance, I am so comfortable with their customer service. I feel comfortable working with them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC 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 $111/mo. for liability coverage
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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 $160 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $111 |
| Mile Auto | $131 |
| Progressive | $137 |
| Direct Auto | $158 |
| Mercury | $166 |
| GAINSCO | $168 |
| GEICO | $170 |
| The General | $182 |
| Infinity | $186 |
| Bristol West | $188 |
| National General | $188 |
| Allstate | $193 |
| AssuranceAmerica | $218 |
| Root | $222 |
| Travelers | $230 |
| Liberty Mutual | $369 |
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 $223 per month in Apopka, but drivers may find cheaper rates from the following companies.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $124 |
| Mile Auto | $171 |
| GEICO | $190 |
| Mercury | $208 |
| Progressive | $214 |
| Allstate | $215 |
| National General | $226 |
| Direct Auto | $233 |
| Travelers | $256 |
| Bristol West | $261 |
| Infinity | $272 |
| The General | $273 |
| GAINSCO | $303 |
| Root | $310 |
| AssuranceAmerica | $369 |
| Liberty Mutual | $380 |
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 $52/mo for liability only and $84/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 January 19, 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 January 19, 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 January 19, 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 January 19, 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: 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 $179.
Find Car Insurance in Apopka, FL
Monthly rates start at $132 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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 $255, while liability-only policies average $183 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $111 | $134 |
| Mile Auto | $131 | $153 |
| Progressive | $137 | $157 |
| Direct Auto | $158 | $189 |
| Mercury | $166 | $222 |
| GAINSCO | $168 | $191 |
| GEICO | $170 | $213 |
| The General | $182 | $232 |
| Infinity | $186 | $226 |
| Bristol West | $188 | $226 |
| National General | $188 | $223 |
| Allstate | $193 | $240 |
| AssuranceAmerica | $218 | $265 |
| Root | $222 | $283 |
| Travelers | $230 | $285 |
| Liberty Mutual | $369 | $449 |
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 $280 per month for full coverage and $201 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $111 | $142 |
| Mile Auto | $131 | $172 |
| Progressive | $137 | $172 |
| Direct Auto | $158 | $210 |
| Mercury | $166 | $244 |
| GAINSCO | $168 | $209 |
| GEICO | $170 | $214 |
| The General | $182 | $244 |
| Infinity | $186 | $234 |
| Bristol West | $188 | $240 |
| National General | $188 | $243 |
| Allstate | $193 | $251 |
| AssuranceAmerica | $218 | $283 |
| Root | $222 | $287 |
| Travelers | $230 | $300 |
| Liberty Mutual | $369 | $479 |
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 $319 for full coverage and $229 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $111 | $161 |
| Mile Auto | $131 | $190 |
| Progressive | $137 | $196 |
| Direct Auto | $158 | $229 |
| Mercury | $166 | $252 |
| GAINSCO | $168 | $243 |
| GEICO | $170 | $244 |
| The General | $182 | $264 |
| Infinity | $186 | $270 |
| Bristol West | $188 | $272 |
| National General | $188 | $272 |
| Allstate | $193 | $280 |
| AssuranceAmerica | $218 | $316 |
| Root | $222 | $323 |
| Travelers | $230 | $333 |
| Liberty Mutual | $369 | $535 |
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 $144 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $100 | $89 |
| Mile Auto | $137 | $105 |
| GEICO | $154 | $138 |
| Mercury | $171 | $136 |
| Allstate | $179 | $161 |
| National General | $182 | $151 |
| Progressive | $192 | $123 |
| Direct Auto | $192 | $130 |
| Infinity | $203 | $139 |
| Travelers | $209 | $188 |
| Bristol West | $221 | $159 |
| The General | $233 | $156 |
| GAINSCO | $262 | $145 |
| Root | $265 | $190 |
| AssuranceAmerica | $296 | $175 |
| Liberty Mutual | $324 | $314 |
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 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 $386 for full coverage and $277 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $235 | $210 |
| GEICO | $334 | $299 |
| Mile Auto | $343 | $263 |
| Progressive | $370 | $237 |
| Mercury | $375 | $299 |
| Allstate | $416 | $374 |
| Direct Auto | $442 | $300 |
| National General | $447 | $372 |
| Bristol West | $454 | $327 |
| The General | $466 | $311 |
| Infinity | $496 | $339 |
| Travelers | $518 | $466 |
| Root | $524 | $376 |
| GAINSCO | $546 | $303 |
| Liberty Mutual | $654 | $635 |
| AssuranceAmerica | $740 | $437 |
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.
Find Car Insurance in Apopka
Unlock savings and discounts when you compare rates through Insurify
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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 $223 per month for full-coverage car insurance, compared to the state average of $203 per month. Liability averages $160 per month in Apopka and $162 at the state level.
But compared to the national averages of $175 per month for full coverage and $99 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 | $196 | $156 |
| Clearwater | $200 | $164 |
| Fort Lauderdale | $222 | $186 |
| Jacksonville | $206 | $163 |
| Miami | $260 | $204 |
| Ocala | $189 | $163 |
| Orlando | $229 | $182 |
| Pensacola | $192 | $138 |
| Tallahassee | $188 | $142 |
| Tampa | $262 | $205 |
| Winter Haven | $218 | $160 |
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 $191 per month for car insurance. Liability coverage averages $160 per month, while full coverage is $223, 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 $111 per month.
Apopka drivers can also find cheap rates from Mile Auto and Progressive, the second- and third-cheapest companies in the city. Their liability rates start at $131 and $137 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
- 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
)
Cheap Car Insurance Quotes in Florida Starting at $105
January 19, 2026
)
Best Home and Auto Insurance Bundle in Florida
January 19, 2026
)
Cheapest Full-Coverage Car Insurance in Florida
January 19, 2026
)
Car Insurance Discounts for Florida Drivers
January 19, 2026
)
Find a Car Insurance Broker in Florida
January 19, 2026
)
Can I Drive in Florida With a Foreign License?
October 22, 2025
)
Best Car Insurance in Florida for Teen Drivers
January 19, 2026
)
Best Car Insurance in Florida for Senior Drivers
January 19, 2026
)
Best Insurance for Antique and Classic Cars in Florida
January 19, 2026
)
Why Is Car Insurance So Expensive in Florida?
October 22, 2025
)
Uninsured Motorist Coverage in Florida
October 15, 2025
)
Non-Owner Car Insurance in Florida
January 19, 2026
)
How to Get a Florida Driver’s License
February 26, 2025
)
Best Car Insurance in Florida
January 19, 2026
)
How to Get Car Insurance in Florida
July 8, 2025
)
How Much Is Car Insurance for an 18-Year-Old in Florida?
January 19, 2026
)
Is Florida a No-Fault State for Auto Insurance?
February 27, 2025
)
Cheapest Low-Income Car Insurance in Florida
January 19, 2026
)
Temporary Car Insurance in Florida
January 19, 2026
)
Cheap SR-22 and FR-44 Insurance in Florida
January 19, 2026
)
Rideshare Insurance in Florida
January 19, 2026
Car Insurance Requirements in Florida
January 19, 2026
)
High-Risk Car Insurance in Florida Starting at $125
January 19, 2026
)
Compare Cheap Gap Insurance Companies in Florida
January 19, 2026
)
)
)
Cheap Car Insurance in West Palm Beach, FL, From $121
January 19, 2026
)
Cheapest Car Insurance in Winter Haven, FL,
January 19, 2026
)
Cheap Car Insurance in Tampa, Florida, From $136
January 19, 2026
)
Best Cheap Car Insurance in Tallahassee, FL, From $96
January 19, 2026
)
Best Cheap Car Insurance in Spring Hill, FL, From $118
January 19, 2026
)
Best Cheap Car Insurance in Sarasota, FL, From $83
January 19, 2026
)
Best Cheap Car Insurance in Saint Petersburg, FL, From $102
January 19, 2026
)
Cheapest Car Insurance in Riverview, Florida
January 19, 2026
)
Best Cheap Car Insurance in Pensacola, FL, From $96
January 19, 2026
)
Cheapest Car Insurance Quotes in Pompano Beach, FL
January 19, 2026
)
Cheap Car Insurance in Panama City, FL, Starting at $87
January 19, 2026
)
Cheap Car Insurance in Palm Bay, FL, Starting at $98
January 19, 2026
)
Best Cheap Car Insurance in Orlando, FL, From $119
January 19, 2026
)
Best Cheap Car Insurance in Ocala, FL, From $103
January 19, 2026
)
Cheap Car Insurance in Naples, FL, Starting at $96
January 19, 2026
)
Cheap Car Insurance in Miami, FL, Starting at $135
January 19, 2026
)
Best Cheap Car Insurance in Lakeland, FL, From $104
January 19, 2026
)
Best Cheap Car Insurance in Melbourne, FL, From $93
January 19, 2026
Best Cheap Car Insurance in Jupiter, FL, From $94
January 19, 2026
)
Cheap Car Insurance in Jacksonville, FL, Starting at $107
January 19, 2026
)
Best Cheap Car Insurance in Gainesville, FL, From $91
January 19, 2026
)
Best Cheap Car Insurance in Fort Myers, FL, From $99
January 19, 2026
)
Best Cheap Car Insurance in Fort Lauderdale, FL, From $119
January 19, 2026
)
Best Cheap Car Insurance in Daytona Beach, FL, From $102
January 19, 2026
)
)
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."
)
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.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
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.