Cheapest Auto Insurance in Apopka, Florida (2024)

State Farm offers the cheapest car insurance in Apopka, with minimum-coverage policies as low as $71 per month.

Taylor Milam-Samuel
Taylor 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.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated June 20, 2024

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Cheapest recent rates near Apopka, Florida

Drivers in and around Apopka, Florida have found policies from Mercury, Bristol West, Mile Auto, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average total monthly cost of car insurance in Apopka is $250, compared to the national average of $160 per month. Car insurance rates tend to be higher in Florida, and factors like population density, commute time, and accident frequency all likely affect rates in Apopka.

Driver-specific 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 $289 for full-coverage car insurance and $211 for liability-only coverage.

  • State Farm, GEICO, and Hugo offer the cheapest car insurance in Apopka.

  • The city’s relatively high population density of more than 1,500 people per square mile also affects 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Hugo7.0$228$77Cheap rates
State Farm9.3$83$72Drivers with an accident
GEICO9.0$85$74Teen drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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-5 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 28,000 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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
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.
$76/mo

Launched in 2021, Hugo is a car insurance company that offers on-demand coverage. Drivers can get coverage for periods between three days and six months. The company doesn’t advertise discounts, but customers can turn coverage on and off as needed, depending on their chosen plan. The company has an average rating of 4.8 on Trustpilot. Hugo primarily sells liability-only coverage, but a full-coverage plan is also available.

Pros
  • Some of the lowest average liability rates in Apopka

  • You can pause coverage as needed and only pay for the days you drive

Cons
  • On-demand coverage only available for liability coverage plans

  • No advertised discounts

Read our Hugo review
Thaddeus - June 3, 2024
Verified

On the Go Insurance

It's flexible, but I would like to speak to a human about issues.

David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Best insurer for drivers with an accident: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$71/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.
$82/mo

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) 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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

Best insurer for teen drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$72/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.
$84/mo

GEICO has affordable pricing for teenage drivers, an age group that pays the most expensive rates. 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

  • Solid 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

Read our GEICO review
Solomon - June 20, 2024
Verified

Educated Consumer

It's a good company; however, search other companies for a cheaper cost.

Gloria - June 20, 2024
Verified

Expensive

It's a good insurance, just expensive for me at this time.

George - June 20, 2024
Verified

Been with them for 22 years and no one has yet beaten their price for me

Check with other companies first. One of the best things they offer is a monthly policy term.

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 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 bundle discount for home, auto, and life insurance.

Find Car Insurance in Apopka

Rates start at just $71/mo. for liability coverage

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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 $211 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$71
GEICO$72
Hugo$76
Allstate$122
Safeco$129
Mile Auto$130
Mercury$145
Travelers$146
Liberty Mutual$150
Direct Auto$156
Midvale Home & Auto$171
Progressive$179
Infinity$195
Foremost$207
Dairyland$215
GAINSCO$219
AssuranceAmerica$238
Bristol West$268
National General$301
The General$314
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $289 per month in Apopka, but drivers may find cheaper rates from the following companies.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$82
GEICO$84
Hugo$136
Allstate$142
Safeco$162
Travelers$168
Mercury$173
Mile Auto$179
GAINSCO$228
Liberty Mutual$249
Progressive$255
Midvale Home & Auto$259
Infinity$260
Direct Auto$272
Foremost$310
National General$310
AssuranceAmerica$354
Dairyland$379
Bristol West$391
The General$454
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 in and around Apopka, Florida have found policies from The General, Mercury, Bristol West, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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.

You can add the following protection options as single policies or select a full-coverage policy that includes all three.[3]

  • 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.

  • 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.

  • 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, or hail.

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.[4] 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 $251.

Find Car Insurance in Apopka, FL

Monthly rates start at $82 for drivers with an incident

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

Insurance rates usually increase after a speeding ticket.[5] 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 $346, while liability-only policies average $252 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$71$83
GEICO$72$85
Hugo$76$95
Allstate$122$144
Safeco$129$155
Mile Auto$130$164
Mercury$145$185
Travelers$146$174
Liberty Mutual$150$197
Direct Auto$156$186
Midvale Home & Auto$171$211
Progressive$179$213
Infinity$195$241
Foremost$207$272
Dairyland$215$256
GAINSCO$219$287
AssuranceAmerica$238$287
Bristol West$268$315
National General$301$353
The General$314$376
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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. 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 $376 per month for full coverage and $275 for liability-only coverage. The following table illustrates quotes for Apopka drivers with at-fault accidents.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$71$90
GEICO$72$92
Hugo$76$93
Allstate$122$155
Safeco$129$159
Mile Auto$130$180
Mercury$145$197
Travelers$146$187
Liberty Mutual$150$209
Direct Auto$156$203
Midvale Home & Auto$171$231
Progressive$179$232
Infinity$195$245
Foremost$207$289
Dairyland$215$273
GAINSCO$219$268
AssuranceAmerica$238$303
Bristol West$268$336
National General$301$385
The General$314$408
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

If you need new coverage after a DUI in Apopka, you'll face average monthly rates of $434 for full coverage and $317 for liability only. The following insurance companies are the cheapest in Apopka for drivers with a DUI on their motor vehicle records.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$71$113
GEICO$72$115
Hugo$76$121
Allstate$122$194
Safeco$129$206
Mile Auto$130$186
Mercury$145$207
Travelers$146$233
Liberty Mutual$150$239
Direct Auto$156$249
Midvale Home & Auto$171$273
Progressive$179$285
Infinity$195$311
Foremost$207$330
Dairyland$215$343
GAINSCO$219$349
AssuranceAmerica$238$379
Bristol West$268$427
National General$301$480
The General$314$500
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Hugo

Car insurance rates fluctuate with age. Teenagers cost the most to insure, but rates decrease for drivers around the age of 35 and continue to decrease through retirement age. You might see rates increase again slightly around age 70 due to increased physical vulnerability and a higher crash death rate.[6]

Seniors in Apopka have access to competitive car insurance rates, with average monthly costs of $237 for full coverage and $173 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$63$55
GEICO$67$57
Hugo$97$54
Allstate$114$98
Mercury$130$109
Safeco$131$104
Travelers$131$114
Mile Auto$135$98
Progressive$182$128
GAINSCO$187$180
Infinity$195$146
Midvale Home & Auto$198$130
Liberty Mutual$199$120
Direct Auto$210$120
Foremost$241$161
National General$243$236
AssuranceAmerica$267$179
Dairyland$302$171
Bristol West$312$214
The General$369$255
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: GEICO

Teenagers face the most expensive insurance rates due to inexperience driving and risky driving habits.[7] 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 $448 for full coverage and $327 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO$122$105
State Farm$129$112
Hugo$220$123
Allstate$231$199
Travelers$282$245
Mercury$293$246
Safeco$317$252
Mile Auto$326$236
GAINSCO$377$363
Midvale Home & Auto$415$274
Liberty Mutual$429$258
Progressive$429$301
Infinity$445$334
Direct Auto$462$265
Foremost$512$342
National General$555$539
Dairyland$587$333
AssuranceAmerica$614$413
Bristol West$618$423
The General$678$469
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $289 per month for full-coverage car insurance, compared to the state average of $279 per month. Liability averages $211 per month in Apopka and $206 at the state level.

But compared to the national averages of $214 per month for full coverage and $105 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.

CityFull CoverageLiability Only
Cape Coral$265$200
Clearwater$279$239
Fort Lauderdale$348$264
Jacksonville$287$205
Miami$387$283
Ocala$257$179
Orlando$306$222
Pensacola$272$173
Tallahassee$263$166
Tampa$380$316
Winter Haven$301$221
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.

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 $250 per month for car insurance. Liability coverage averages $211 per month, while full coverage is $289, 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 $71 per month.

    Apopka drivers can also find cheap rates from GEICO and Hugo, the second- and third-cheapest companies in the city. Their liability rates start at $72 and $76 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.

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 50+ 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.

Sources

  1. National Association for Insurance Commissioners. "Auto Insurance."
  2. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Insurance Information Institute. "Infographic: Insurance Rating Variables: What They Are and Why They Matter."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Insurance Information Institute. "Senior driving safety and insurance tips."
  7. 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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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