120+ more*Quotes generated for Insurify users in and around Daytona Beach, Florida within the last 10 days. Last updated on June 25, 2026. 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 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
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Licensed property and casualty insurance agent
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NPN: 21630969
Updated
The average cost of car insurance in Daytona Beach, Florida, is $174 per month. State-minimum coverage averages $122 per month, and full coverage is about $226, according to Insurify data. Daytona Beach’s rates fall below the Florida average of $186 per month.
Auto insurance in Daytona Beach is more expensive than in nearby Gainesville but cheaper than in Orlando. Daytona Beach’s coastal location may expose drivers to higher hurricane and flooding risks.[1] Orlando has heavier traffic congestion, which may contribute to its higher average rates. Orlando drivers lose an average of 32 hours annually to traffic delays.[2]
Drivers in Daytona Beach can find the cheapest liability coverage with Progressive and the cheapest full-coverage car insurance with State Farm.
Florida requires all drivers to meet its minimum coverage car insurance requirements of $10,000 per accident for property damage liability (PDL) and $10,000 for personal injury protection (PIP).[3]
Living on the Florida coast exposes you to more traffic, hurricane risk, and flooding. Drivers in Daytona Beach may want to consider a full-coverage policy for protection against vehicle theft, vandalism, and storm damage. The following table shows the cheapest liability and full-coverage car insurance rates in Daytona Beach.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Progressive | $73 |
| State Farm | $76 |
| Clearcover | $80 |
| Mile Auto | $80 |
| GEICO | $85 |
| Infinity | $96 |
| Embark | $98 |
| Dairyland | $99 |
| Direct Auto | $111 |
| GAINSCO | $112 |
| Mercury | $113 |
| The General | $119 |
| Bristol West | $126 |
| Allstate | $130 |
| AssuranceAmerica | $130 |
| National General | $135 |
| Insurify Car | $147 |
| Root | $147 |
| Travelers | $155 |
| Hugo | $189 |
| Mendota | $210 |
| First Acceptance | $213 |
| Liberty Mutual | $214 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $120 |
| Progressive | $133 |
| Mile Auto | $149 |
| Mercury | $167 |
| GEICO | $175 |
| National General | $176 |
| Direct Auto | $188 |
| Clearcover | $195 |
| Bristol West | $197 |
| Allstate | $209 |
| Infinity | $220 |
| The General | $225 |
| AssuranceAmerica | $237 |
| Embark | $238 |
| Travelers | $248 |
| GAINSCO | $264 |
| Root | $264 |
| Liberty Mutual | $278 |
| Dairyland | $295 |
| First Acceptance | $309 |
| Mendota | $325 |
Pay your first week’s premium and get immediate proof of coverage
Daytona Beach sits in the middle of Florida’s average premiums. Miami and Tampa are significantly higher due to heavier traffic, greater population density, and higher vehicle theft and uninsured motorist rates.
For example, Tampa is more than three times as densely populated as Daytona Beach, according to U.S. Census Bureau data. Panama City on the Gulf Coast has some of the cheapest car insurance rates.
Check out the table below to see how Daytona Beach’s average auto insurance rates compare to those of other Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $185 |
| Cape Coral | $165 |
| Clearwater | $172 |
| Davenport | $185 |
| Daytona Beach | $174 |
| Fort Lauderdale | $214 |
| Fort Myers | $176 |
| Gainesville | $154 |
| Jacksonville | $184 |
| Jupiter | $161 |
| Lakeland | $173 |
| Melbourne | $158 |
| Miami | $235 |
| Naples | $159 |
| Ocala | $167 |
| Orlando | $204 |
| Palm Bay | $166 |
| Panama City | $144 |
| Pensacola | $157 |
| Pompano Beach | $217 |
| Port St. Lucie | $171 |
| Riverview | $215 |
| Sarasota | $154 |
| Spring Hill | $194 |
| St. Petersburg | $182 |
| Tallahassee | $164 |
| Tampa | $236 |
| West Palm Beach | $219 |
| Winter Haven | $178 |
Daytona Beach is home to NASCAR’s annual Daytona 500 and “the World’s Most Famous Beach.” It sees millions of tourists each year, drawn by miles of white-sand beaches and generally warm temperatures year-round.[4] But busy roads full of Florida drivers and out-of-towners greatly increase the risk of car accidents, even for safe drivers.
Daytona Beach is a high-traffic area where drivers must rely on limited metered street parking. Tight parking areas, combined with seasonal visitors who may not know the area well, increase the risk of minor collisions.
Flooding is another major concern, especially in low-lying areas of Midtown around the Nova Canal and the Halifax River. Water can rapidly accumulate on roads during heavy rainstorms, affecting visibility and road traction within minutes.[5]
Here are some tips for driving safely in Daytona Beach:
Always be aware of your surroundings, especially during rainfall and while parking.
Buy a daily or annual parking pass before arriving to avoid a parking ticket or towing.
Visit Volusia County’s website to familiarize yourself with the roads and parking, especially off-limits beach driving and parking areas.
Pay attention to the weather forecast, and avoid low-lying areas during rain events.
Car insurance quotes in Daytona Beach can vary significantly depending on your insurance claim and driving history.
Florida is a no-fault state, meaning each driver must carry PIP and file claims with their own insurer, even when not at fault. Daytona Beach increases enforcement during tourist season and high-traffic events like Bike Week and spring break, which can increase your chances of a ticket or driving under the influence (DUI).
Around 3.15% of drivers in Daytona Beach have a ticket, and 4% have an at-fault accident on their record, according to Insurify data. These drivers typically pay higher car insurance premiums than drivers with clean records, as shown in the table below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $174 |
| Speeding ticket | $203 |
| At-fault accident | $221 |
| DUI | $226 |
Age is a key factor in Daytona Beach car insurance costs. In Volusia County, teen drivers account for 4.46% of licensed young drivers, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Despite representing a relatively small share of drivers, teens in Volusia County had a crash rate of 53.2 per 1,000 licensed drivers in 2023, slightly above Florida’s rate of 50.8.[6]
Seniors ages 65 and older make up a significant portion of the population, accounting for 22.5% of Daytona Beach residents and 30.3% of licensed drivers in Volusia County.
The table below shows the cheapest liability insurance rates in Daytona Beach by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $211 |
| 20s | $149 |
| 30s | $132 |
| 40s | $129 |
| 50s | $119 |
| 60s | $112 |
| 70+ | $116 |
*Quotes generated for Insurify users in and around Daytona Beach, Florida within the last 10 days. Last updated on June 25, 2026. 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 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
We answered common questions people have about car insurance in Daytona Beach.
Severe weather, proximity to the Atlantic Ocean and Halifax River, and heavy traffic are a few reasons why car insurance in Daytona Beach is higher than average.
Florida car insurance averages $235 per month for full coverage, while liability-only coverage averages $137. Rates are slightly cheaper in Daytona Beach.
Auto insurance rates in Daytona Beach depend on your age, driving record, credit history, vehicle type, and ZIP code. Maintaining a clean driving record and years of driving experience can help you qualify for the most affordable car insurance in Daytona Beach.
State Farm, GEICO, and Allstate are some of the best car insurance companies in Florida, according to Insurify data. Rates vary by driver profile, and not every company will be the best for every driver. It’s worth comparing several quotes to find the cheapest auto insurance for your needs.
Florida car insurance covers property damage liability (PDL) and personal injury protection (PIP). It doesn’t provide coverage for bodily injury you cause to others, unless you add it to your policy. PIP covers you and your passengers’ medical expenses and lost wages, regardless of fault.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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.