Best Cheap Auto Insurance in Apopka, Florida (2023)

Apopka drivers can find the cheapest car insurance rates from State Farm, GEICO and Hugo. Generally, though, Apopka's car insurance rates are higher than the national average.

The average total monthly cost of car insurance in Apopka is $261, compared to the national average of $155 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 it's important to compare quotes from multiple carriers to find the best deal available to you.

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 option.

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Best for cheapest rates in Apopka: Hugo

Best for drivers with an accident: State Farm

Best for teen drivers: GEICO

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 $213 per month, but you may find more attractive deals from the companies in the table below.

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 $310 per month in Apopka, but drivers may find cheaper rates from the following companies.

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.

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

• 

  Collision

  Regardless of fault, this covers the costs of your vehicle repairs.

• 

  Uninsured motorist

  If the other driver causes an accident and doesn’t have adequate coverage, this policy can cover your costs associated with the accident.

• 

  Comprehensive

  This policy 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 average monthly rates from Hugo, Apopka’s cheapest insurance company, increase by $32 after a speeding ticket and $41 after an at-fault accident, on average.

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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 $362, while liability-only policies average $249 with a ticket. The following table shows the average monthly costs of top insurers for Apopka drivers with speeding tickets on their records.

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 $392 per month for full coverage, and $269 for liability-only coverage. The following table illustrates quotes for Apopka drivers with at-fault accidents.

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 $454 for full coverage and $312 for liability only. The following insurance companies are the cheapest in Apopka for drivers with a DUI on their motor vehicle records.

Cheapest car insurance for seniors: State Farm

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 75 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 $255 for full coverage and $175 for liability-only policies. Apopka seniors may find better-than-average rates from the following companies.

Cheapest car insurance for teens: State Farm

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 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 $476 for full coverage and $327 for liability. The following table shows the insurers with the cheapest rates for teen drivers in Apopka.

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. “People leave so much money on the table with a low deductible,” says Jones, who suggests you should consider raising your deductible to $1,000 if you can.

• 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.

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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.^[8]

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 you can expect to pay by credit tier.

Is car insurance more expensive in Apopka?

Drivers in Apopka pay an average of $310 per month for full-coverage car insurance, compared to the state average of $306 per month. Liability averages $213 per month in Apopka and $216 at the state level.

But compared to the national averages of $207 per month for full coverage and $103 for liability only, Apopka residents pay more than other U.S. drivers, on average. When determining prices, car insurance companies consider an area’s weather, traffic, crime rates, and other factors. Due to location, Florida residents tend to 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.

Apopka car insurance FAQs