Cheapest Auto Insurance in Daytona Beach, Florida (2024)

State Farm has the cheapest liability coverage in Daytona Beach, with an average rate of $66/mo.

Jennifer Brozic
Written byJennifer Brozic
Jennifer Brozic
Jennifer Brozic
  • 18+ years experience in finance writing

  • Background in communications for banks and credit unions

Jennifer is a content marketing writer specializing in the financial services and insurance industries. Her areas of expertise include budgeting, building credit, loans, and more.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated June 13, 2024

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Cheapest recent rates near Daytona Beach, Florida

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $83/mo for full coverage in Daytona Beach and other Florida cities.

*Quotes generated for Insurify users in and around Daytona Beach, Florida within the last 10 days. Last updated on June 12, 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 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Daytona Beach, Florida within the last 10 days. Last updated on June 12, 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 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Daytona Beach drivers pay, on average, $185 per month for liability car insurance, which is higher than the national average of $105 but lower than the state average of $213 per month.

Drivers in Daytona Beach have a high risk of property damage from severe weather during hurricane season between June and November, which likely increases average rates.

Here's what you need to know about finding cheap car insurance in Daytona Beach, including how to compare quotes and coverage options.

Quick Facts
  • State Farm, GEICO, and Hugo have the cheapest liability insurance in Daytona Beach on average.

  • The average monthly cost of full-coverage insurance is $215 in the U.S., $290 in Florida, and $279 in Daytona Beach.

  • Florida is a no-fault insurance state that requires drivers to maintain $10,000 in personal injury protection (PIP) coverage.

3 of the cheapest car insurance companies in Daytona Beach

Many Daytona Beach insurers offer auto rates cheaper than the city average. Whether you qualify for the lowest available rates depends on multiple factors, including your driving record, credit score, the car you drive, and more.[1]

It’s important to consider factors beyond price when selecting an insurer, however. Your coverage needs, the company’s financial stability, and other features may affect your decision. The average quotes provided below reflect statewide insurance costs in Florida.

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
State Farm4.6$83$72Full coverage
Hugo3.5$162$77Pay-per-mile insurance
GEICO4.4$85$74Teen drivers
  • Our editorial team spent 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. Criteria are weighted 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. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: 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.
$66/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.
$76/mo

State Farm is a well-established insurance company that earned strong marks for financial stability from credit rating agency AM Best.[2] The insurer offers multiple ways for customers to save on a wide range of standardized auto insurance coverages.

It earned the highest customer satisfaction score in Florida in J.D. Power’s 2023 U.S. Auto Insurance Study.[3] And the company logged fewer than the average number of customer complaints in 2022, according to the National Association of Insurance Commissioners (NAIC).[4]

Pros
  • Strong financial stability

  • Extensive network of agents in Florida

  • High IQ Score compared to other insurers

Cons
  • Doesn’t offer specialty coverages

  • Gap insurance not available

  • Accident forgiveness not available

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for pay-per-mile insurance: 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.
$70/mo

Founded in 2016, Hugo is a relative newcomer to the insurance industry. Unlike traditional insurers with policy terms of six or 12 months, you can buy coverage from Hugo for as little as three days at a time.

With Hugo, you pay a flat daily rate on days you drive and nothing on days you don’t. You can buy additional days of coverage or cancel your policy at any time, and your days never expire. Hugo earned 4.8 out of 5 stars on Trustpilot.[5]

Pros
  • You can pause and unpause coverage from your phone

  • Micropayments allow for easy budgeting

  • Policyholders can buy more days of coverage at any time

Cons
  • May not be the most affordable option for daily drivers

  • Limited policy customization options

  • Only available in 13 states

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 insurance 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.
$67/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.
$78/mo

GEICO provides low rates for teen drivers, especially compared to the average cost in the city. It also offers various ways for teens to save, including discounts for driver training programs and good student discounts. GEICO has an A++ rating from AM Best and below-average customer complaints on the NAIC complaint index.

Pros
  • Many discounts for teens

  • Competitive rates for drivers with a violation

  • Offers accident forgiveness

Cons
  • Limited local agent availability

  • Gap insurance not available

  • Has lower customer satisfaction rates than some other insurers

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.
Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

How to get the cheapest car insurance in Daytona Beach

Insurance companies consider many factors when determining auto rates. Here are a few ways to get the cheapest car insurance and  keep your premiums manageable:

  • Review discount options. Check out available discounts from multiple insurers to find out where you can save the most money. “Most companies have an advanced quote discount not a lot of people know about,” says Lauren McKenzie, insurance agent at A Plus Insurance. “It kicks in when you establish a policy start date in the future.”

  • Pay your bills on time. Your credit score is one of many factors insurers may use to determine your premium. People with lower credit scores typically have higher rates than those with good scores.[6]

  • Shop around. Insurers often have proprietary formulas for determining rates. Different companies may weigh rating criteria differently. To find the best rates, compare quotes from multiple insurance companies.

  • Stick around. “Once you have auto insurance, don’t jump around too much between companies,” McKenzie says. “Keep your insurance in force for at least six full months,” she advises. “Having continuous coverage for six months will earn you a discount if you switch companies.”

Cheapest liability-only car insurance in Daytona Beach: State Farm

Liability insurance covers other people’s injuries when you’re at fault in an accident. It also helps cover repair costs to their vehicle. It doesn’t cover your own medical bills or damage to your car, however.[7]

The average cost of liability-only insurance in Daytona Beach is $185 per month. Check out the table below to see how much different insurers charge for a liability-only policy in Daytona Beach.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$66
GEICO$67
Hugo$70
Allstate$113
Safeco$120
Mile Auto$121
Mercury$134
Travelers$135
Liberty Mutual$139
Direct Auto$145
Midvale Home & Auto$159
Progressive$166
Infinity$181
Foremost$192
Dairyland$199
GAINSCO$203
AssuranceAmerica$221
Bristol West$248
National General$279
The General$291
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 Daytona Beach: State Farm

Full coverage car insurance includes collision and comprehensive coverage as well as liability insurance.

Collision coverage pays for damage to your vehicle that results from an accident with another car or a collision with a stationary object, such as a guardrail or a tree. Comprehensive coverage pays for non-accident-related damage to your vehicle. This may include damage from severe weather, falling objects, animal infestations, and more.

Full coverage is usually a good idea if you drive a new car or can’t cover the cost of repairs out of pocket. If you have an auto loan or lease, the lender or leasing company will likely require you to maintain full coverage. 

On average, full-coverage insurance in Daytona Beach costs $279 per month. Compare quotes below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$76
GEICO$78
Hugo$126
Allstate$132
Safeco$151
Travelers$156
Mercury$161
Mile Auto$166
GAINSCO$212
Liberty Mutual$231
Progressive$237
Midvale Home & Auto$240
Infinity$241
Direct Auto$252
Foremost$288
National General$288
AssuranceAmerica$329
Dairyland$352
Bristol West$363
The General$421
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 Daytona Beach, Florida

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $83/mo for full coverage in Daytona Beach and other Florida cities.

*Quotes generated for Insurify users in and around Daytona Beach, Florida within the last 10 days. Last updated on June 12, 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 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Daytona Beach, Florida within the last 10 days. Last updated on June 12, 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 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Florida

Florida drivers must maintain property damage liability (PDL) and personal injury protection (PIP) coverage. PDL helps pay to repair damages you cause to someone else’s property. PIP pays 80% of your medical bills after an accident — Florida requires at least $10,000.[8] Since Florida is a no-fault state, each driver’s insurance company pays for their injuries, no matter who is at fault.[9]

CoverageMinimum Requirements
Personal injury protection (PIP)$10,000
Property damage liability$10,000

While PIP and PDL are the only coverages Florida requires, you may want to consider adding other optional coverages, such as:

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

    Collision

    Collision pays for damage to your vehicle if you’re in a crash with another car or stationary object.

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

    Comprehensive

    Comprehensive covers non-accident-related damage to your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Bodily injury liability

    Liability insurance pays for other people’s injuries if you’re at fault in an accident.

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

    Uninsured/underinsured motorist

    This coverage pays for your injuries (beyond what PIP covers) and repairs to your vehicle if you’re in an accident and an uninsured or underinsured driver is at fault. 

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Add-ons

    Most insurers offer various additional protections for specific circumstances, such as rental car reimbursement, gap coverage, roadside assistance, and customized parts and equipment coverage.

“We recommend $100K/$300K for bodily injury and $100K for property damage,” says Sandy Dunn, president of Dunn & Associates Insurance. “Opting for lower policy limits will reduce your premium, but it also increases your financial risk. What I tell people is if you’re satisfied with a $50K/$100K, then, anything above that, [you’re] self-insured on.” 

“We recommend you look at stacked uninsured motorist [coverage] because of the numerous people [who] are driving around without adequate coverage,” says Dunn. “With stacked coverage, you can combine the bodily injury limits of multiple vehicles. But you can’t combine property damage limits.”

Learn More: Minimum Car Insurance Requirements by State

Learn More: Minimum Car Insurance Requirements by State

Cheapest car insurance for drivers with an incident

Drivers with at-fault accidents, speeding tickets, DUIs, and other moving violations on their records typically pay higher rates than drivers with clean records. The severity of the rate increase varies based on the infraction.

The average monthly cost of car insurance in Daytona Beach for drivers with a past incident is $185 for liability coverage and $279 for full coverage.

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

Getting a speeding ticket could cost you more in car insurance, but rates vary by insurer. For Daytona Beach drivers with a past speeding ticket, the average cost of liability coverage is $220 per month.

Take a look at the table below to see how speeding affects liability-only rates at different insurance companies in Daytona Beach.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$66$77
GEICO$67$79
Hugo$70$88
Allstate$113$133
Safeco$120$144
Mile Auto$121$154
Mercury$134$170
Travelers$135$160
Liberty Mutual$139$182
Direct Auto$145$172
Midvale Home & Auto$159$194
Progressive$166$196
Infinity$181$223
Foremost$192$252
Dairyland$199$236
GAINSCO$203$266
AssuranceAmerica$221$267
Bristol West$248$290
National General$279$321
The General$291$347
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

Drivers with at-fault accidents on their records generally pay more for insurance coverage than drivers without an accident. On average, Daytona Beach drivers with a past accident pay $240 per month for liability insurance.

The table below shows how different Daytona Beach insurance companies handle rate increases for a liability-only policy after an at-fault accident.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$66$83
GEICO$67$85
Hugo$70$86
Allstate$113$143
Safeco$120$147
Mile Auto$121$168
Mercury$134$181
Travelers$135$172
Liberty Mutual$139$193
Direct Auto$145$188
Midvale Home & Auto$159$214
Progressive$166$214
Infinity$181$226
Foremost$192$267
Dairyland$199$252
GAINSCO$203$248
AssuranceAmerica$221$281
Bristol West$248$309
National General$279$353
The General$291$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 a DUI: State Farm

Driving under the influence increases your likelihood of getting in an accident. If you get behind the wheel after drinking — and get caught — not only will you lose your license for at least six months, you can expect a hefty increase in your auto insurance rates.

The average cost of liability car insurance for Daytona Beach drivers with a past DUI pay $277 per month.

Check out the table below to see how much a liability-only policy costs after a DUI.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$66$105
GEICO$67$107
Hugo$70$111
Allstate$113$180
Safeco$120$191
Mile Auto$121$174
Mercury$134$192
Travelers$135$215
Liberty Mutual$139$221
Direct Auto$145$231
Midvale Home & Auto$159$253
Progressive$166$264
Infinity$181$288
Foremost$192$306
Dairyland$199$317
GAINSCO$203$323
AssuranceAmerica$221$352
Bristol West$248$395
National General$279$444
The General$291$463
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

In general, insurance rates decrease as you gain more driving experience but typically go back up once you hit your 70s. On average, senior drivers in Daytona Beach pay $153 per month for liability coverage and $231 for full-coverage insurance.

Check out the table below to see the average auto insurance rates for seniors through different companies in Daytona Beach.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo$50$91
State Farm$51$59
GEICO$53$62
Allstate$91$106
Mile Auto$92$126
Safeco$97$122
Mercury$101$122
Travelers$106$123
Liberty Mutual$111$184
Direct Auto$112$195
Progressive$119$170
Midvale Home & Auto$121$183
Infinity$137$182
Foremost$150$225
Dairyland$159$282
GAINSCO$167$174
AssuranceAmerica$168$250
Bristol West$199$291
National General$224$231
The General$238$345
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

Teens and adults younger than 25 typically pay more for car insurance than older drivers. Their lack of experience behind the wheel increases their chances of getting in an accident, which insurers consider when setting rates.

But teens have ways to save on auto insurance:

  1. Stay on your parents’ car insurance policy for as long as possible. It’s usually cheaper.

  2. Drive a car with a high safety rating. You may qualify for a discount if your car has certain types of safety equipment.

  3. Take advantage of good student discounts and other discounts for teens and families.

The average monthly cost of auto coverage for teen drivers is $285 per month for liability and $430 for full coverage.

The table below to see the different rates Daytona Beach insurance companies charge teens for a liability-only policy. 

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
GEICO$97$113
State Farm$103$119
Hugo$113$204
Allstate$183$214
Mile Auto$219$300
Travelers$225$260
Mercury$226$272
Safeco$234$295
Liberty Mutual$240$398
Direct Auto$246$427
Midvale Home & Auto$256$386
Progressive$279$398
Dairyland$307$544
Infinity$308$410
Foremost$316$473
GAINSCO$336$351
AssuranceAmerica$381$568
Bristol West$390$571
The General$433$627
National General$489$505
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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Daytona Beach car insurance quotes by credit tier

In Florida, insurance companies may consider your credit history when determining your eligibility and rates. Insurers use information from consumer credit reports to generate insurance-based credit scores to help predict the likelihood that you’ll file a claim.

In general, people with excellent or good credit history receive lower rates than people with poor credit history. Check out the table below to see the average monthly quotes for full-coverage insurance 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 Daytona Beach?

Car insurance in Daytona Beach is more expensive than the national average but less than the average cost in Florida. The average cost of insurance in Daytona Beach is $185 per month for liability insurance and $279 for full-coverage insurance.

For comparison, the monthly average cost of coverage in Florida is $213 for liability and $290 for full coverage. The national average cost of insurance is $105 for liability and $215 for full coverage.

Rates vary widely across Florida, but drivers in the state face high rates due to the risk of property damage from hurricanes and tropical storms. For example, auto insurance rates in Tampa and West Palm Beach are much higher than in Daytona Beach, but premiums in Fort Myers are only slightly higher. This is why it’s so crucial to compare car insurance quotes before buying.

“The accident and claim frequency in your ZIP code significantly influence the rate you pay,” says Brian Van Winkle, a licensed insurance agent at Dunn & Associates Insurance in Daytona Beach.

“In areas where insurance companies pay out more money to cover claims, insurance rates are typically higher. To help recoup, they have to raise insurance premiums for everybody in that whole area to help with their loss ratio,” McKenzie says.

See More: The 10 Best and Worst Car Insurance Comparison Sites

See More: The 10 Best and Worst Car Insurance Comparison Sites

More cities in Florida 

Daytona Beach is one of the more affordable cities for auto insurance in Florida. Check out the table below to see how average rates in Daytona Beach compare to other Florida cities.

CityLiability OnlyFull Coverage
Cape Coral$200$265
Fort Lauderdale$264$348
Fort Myers$194$274
Jacksonville$205$287
Miami$283$387
Naples$178$281
Orlando$222$306
Panama City$147$225
Saint Petersburg$239$298
Tampa$316$380
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.
Check Out: Car Insurance Rates by State

Check Out: Car Insurance Rates by State

Daytona Beach car insurance FAQs

Before you start shopping around for auto coverage, you need to determine the right amount of car insurance for your needs. The following information should help answer your remaining questions about car insurance in Daytona Beach.

  • How much is car insurance in Daytona Beach?

    Liability-only coverage in Daytona Beach costs $185 per month, and full-coverage insurance costs $279 per month. Your exact premium will vary depending on your driving record, credit history, age, the insurer you choose, and much more.

  • Who has the cheapest car insurance in Daytona Beach?

    State Farm has the cheapest coverage in Daytona Beach, with an average liability rate of $66 per month.

    GEICO and Hugo also offer some of the most affordable coverage, with average liability rates of $67 and $70, respectively. You should compare multiple quotes side by side before deciding on your policy to make sure you find the most affordable coverage for your needs.

  • What are the best car insurance companies in Daytona Beach?

    State Farm is the best car insurance company in Daytona Beach, with an Insurify Quality Score of 4.6 out of 5, an AM Best financial strength rating of A++ (Superior), and low rates. The average cost of auto coverage from State Farm in Florida is $72 per month for liability coverage and $83 for full coverage.

    Other top insurers include GEICO, the best option for teen drivers, and Hugo, the best option for pay-per-mile insurance.

  • What factors affect the cost of car insurance in Daytona Beach?

    Like any other city or state, factors like your driving record, age, ZIP code, and more will affect the cost of car insurance in Daytona Beach. Make sure to drive safely, keep your driving record clean, and apply for discounts to keep your auto insurance rates low.

    If you want even lower rates, shop around and compare car insurance quotes from multiple insurance companies.

  • How much auto insurance do you need in Florida?

    Drivers in Florida need to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage (PDL). You should also consider purchasing bodily injury liability, collision, and comprehensive coverage for more thorough protection, especially if you drive frequently.

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. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Business Wire. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Its Subsidiaries."
  3. J.D. Power. "2023 U.S. Auto Insurance Study."
  4. National Association of Insurance Commissioners. "State Farm Mut Auto Ins Co National Complaint Index Report."
  5. Trustpilot. "Hugo Insurance."
  6. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
  7. Insurance Information Institute. "Auto Insurance Basics."
  8. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  9. NOLO. "Florida No-Fault Car Insurance."
Jennifer Brozic
Jennifer Brozic

Jennifer Brozic is a content marketing writer, specializing in the financial services and insurance industries. She's committed to helping her clients create content that inspires people to take action. Her areas of expertise include insurance, financial planning & budgeting, building credit, loans, credit cards and more. 

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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