120+ more){kind=small}
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
){kind=small}
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.
){kind=small}
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Drivers in Deltona, Florida, pay an average of $162 per month for state-minimum liability coverage and $234 per month for full-coverage car insurance.
That’s cheaper than nearby Orlando, where car insurance averages $170 per month for liability-only coverage and $246 per month for full coverage. But it’s a little more expensive than Sanford, where drivers pay an average of $143 per month for liability coverage and $217 for full coverage.
In Volusia County, where Deltona is located, the motor vehicle theft rate was 39.6 thefts per 100,000 residents, below the statewide average of 42.5.[1] Lower theft rates help keep car insurance costs down.
State Farm is the cheapest liability-only car insurance in Deltona, at an average of $86 per month. That’s well below the city’s overall average of $198 per month and the statewide average of $142 per month.
Florida’s car insurance requirements include $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage.[2]
The table below shows the cheapest liability-only car insurance rates in Deltona.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $86 |
| Clearcover | $93 |
| GEICO | $97 |
| Progressive | $97 |
| Mile Auto | $102 |
| Embark | $114 |
| Direct Auto | $129 |
| GAINSCO | $129 |
| Dairyland | $130 |
| Allstate | $131 |
| Mercury | $137 |
| The General | $137 |
| AssuranceAmerica | $142 |
| Bristol West | $146 |
| Insurify Car | $151 |
| National General | $160 |
| Travelers | $176 |
| Root | $181 |
| Hugo | $215 |
| First Acceptance | $225 |
| Liberty Mutual | $242 |
| Mendota | $243 |
Insurify Car makes it affordable and easy to get same-day liability coverage
State Farm has the lowest full-coverage rates in Deltona, averaging $134 per month. That’s well under the city’s full-coverage average of $234 per month.
Deltona’s wooded neighborhoods and canal-lined roads increase the risk of deer collisions and vehicle damage from heavy rain. Comprehensive coverage can help pay for damage from hitting a deer and other non-collision events, while collision coverage can help if you crash after swerving to avoid an animal.
Drivers can find the cheapest full-coverage with State Farm. The table below shows the cheapest full-coverage car insurance rates in Deltona.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $134 |
| Progressive | $152 |
| Allstate | $186 |
| Mile Auto | $186 |
| Mercury | $196 |
| GEICO | $201 |
| National General | $201 |
| Direct Auto | $207 |
| Bristol West | $219 |
| Clearcover | $229 |
| AssuranceAmerica | $255 |
| The General | $264 |
| Embark | $274 |
| Travelers | $278 |
| GAINSCO | $295 |
| Liberty Mutual | $315 |
| Root | $316 |
| Dairyland | $335 |
| First Acceptance | $335 |
| Mendota | $373 |
At an average of $267 per month, Miami Gardens is the most expensive city in Florida for car insurance. These higher rates are partly due to Miami-Dade County’s high motor vehicle theft rates, according to the Florida Department of Health.
Venice is the cheapest, at an average of $135 per month. Sarasota County’s motor vehicle rates are roughly a third of those of Miami-Dade County. Deltona’s average is middle-of-the-road, but cheaper than neighboring Orlando.
The table below compares average car insurance rates across cities in Florida.
City | Average Monthly Quote |
|---|---|
| Venice | $135 |
| The Villages | $145 |
| Panama City | $151 |
| Port Orange | $151 |
| Saint Augustine | $151 |
| Vero Beach | $151 |
| Milton | $152 |
| North Port | $152 |
| Punta Gorda | $152 |
| Eustis | $156 |
| Gainesville | $157 |
| Sarasota | $160 |
| Palm Coast | $162 |
| Melbourne | $163 |
| Naples | $164 |
| Jupiter | $165 |
| Pensacola | $165 |
| Palm Bay | $166 |
| Cocoa | $167 |
| Cape Coral | $170 |
| Ocala | $170 |
| Tallahassee | $171 |
| Bradenton | $174 |
| Largo | $174 |
| Clearwater | $175 |
| Daytona Beach | $176 |
| Lakeland | $176 |
| Saint Cloud | $177 |
| Clermont | $179 |
| Fort Myers | $180 |
| Port Saint Lucie | $180 |
| Sanford | $180 |
| Winter Haven | $180 |
| Winter Springs | $182 |
| Plant City | $183 |
| Orange Park | $184 |
| Coral Springs | $186 |
| Pinellas Park | $186 |
| Jacksonville | $187 |
| Oviedo | $187 |
| Saint Petersburg | $187 |
| Apopka | $188 |
| Davenport | $188 |
| Palm Harbor | $189 |
| Altamonte Springs | $192 |
| Kissimmee | $198 |
| Spring Hill | $198 |
| New Port Richey | $200 |
| Palm Beach Gardens | $202 |
| Wesley Chapel | $202 |
| Orlando | $208 |
| Wellington | $211 |
| Brandon | $213 |
| Boca Raton | $216 |
| Riverview | $216 |
| Fort Lauderdale | $221 |
| Holiday | $222 |
| Hollywood | $222 |
| Pompano Beach | $224 |
| West Palm Beach | $224 |
| North Miami Beach | $227 |
| Deerfield Beach | $229 |
| Homestead | $229 |
| Miami Beach | $230 |
| Tampa | $238 |
| Delray Beach | $239 |
| Lake Worth | $241 |
| Hialeah | $242 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $267 |
Florida’s no-fault car insurance system and high uninsured driver rate increase insurance costs statewide. Volusia County’s uninsured driver rate is lower than the state average, according to Florida Department of Highway Safety and Motor Vehicles (FLHSMV) data, but hurricane-related flood risk increases the cost of insurance.
Although Deltona is inland, hurricanes and heavy rainfall can still cause flooding.[3] Volusia County identifies flooding as its most frequent and costly natural hazard, and nearly 22% of Deltona lies within FEMA-designated flood zones.[4] These weather-related risks can increase insurance claims and auto premiums.
*Quotes generated for Insurify users in and around Deltona, Florida within the last 10 days. Last updated on October 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Deltona, Florida within the last 10 days. Last updated on October 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates in Deltona vary based on driving history, but insurance companies weigh past incidents differently. The companies below offer the cheapest liability coverage for Deltona drivers with a clean record, a speeding ticket, an at-fault accident, or a driving under the influence (DUI) conviction.
Cheapest car insurance for Deltona drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Deltona: State Farm
Cheapest car insurance for Deltona drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Deltona: State Farm
Nearly 4% of Deltona drivers have a speeding ticket, 4% have an at-fault accident, and 0.42% have a DUI on record, according to Insurify data.
Volusia County Sheriff’s Office handles law enforcement for the Deltona area and actively enforces DUI laws. It especially steps up enforcement efforts during spring break, when many college students visit the county’s beaches and other attractions.
Getting a DUI in Florida can lead to fines, imprisonment, required drug and alcohol abuse treatment programs, and vehicle impoundment. The table below shows the average monthly quotes for people in Deltona with different types of incidents on their driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $198 |
| Speeding ticket | $229 |
| At-fault accident | $250 |
| DUI | $254 |
Deltona is mostly suburban, so parking is rarely an issue. Most homes have driveways or garages, and street parking isn’t heavily regulated.
Florida has many uninsured drivers. Roughly 5.11% of drivers are uninsured, according to the FLHSMV. That’s 861,926 of the 16,854,632 registrations statewide. The uninsured motorist rate in Volusia County is lower, at 4.55%. Still, it’s a good idea to consider buying uninsured motorist coverage even though it’s not state-mandated.
Deltona’s numerous lakes and low-lying areas mean some neighborhoods can flood during heavy summer storms and hurricane season. If you drive a new or high-value car, it’s a good idea to buy full-coverage car insurance to protect your vehicle from these risks.
Deltona commuters rely heavily on Interstate 4 to reach Orlando and Daytona Beach job hubs, as well as local arterials such as Howland Boulevard and Saxon Boulevard. All are prone to backups during peak hours.
The Florida Department of Transportation’s Central Florida trends report notes that the region’s rapid population and job growth add to pressure on I-4. The city’s 34-minute average commute is longer than the national average of 26.4 minutes and Florida’s average of 28 minutes.
Parking is generally straightforward in Deltona’s residential neighborhoods, but the city has parking rules governing where you can park vehicles, trailers, and recreational vehicles.
Traffic can also increase during the winter months as seasonal residents and visitors travel throughout Central Florida.[5]
Florida’s graduated driver licensing program requires teens to have a learner’s permit for 12 months and complete 50 hours of supervised driving before getting a license at 16. Completing this probationary period without violations can help young drivers qualify for lower insurance rates.
Deltona teens pay monthly averages of $267 for liability policies and $386 for full-coverage policies.
The table below shows the cheapest car insurance rates for teen drivers in Deltona.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $143 |
| State Farm | $158 |
| Progressive | $160 |
| GEICO | $167 |
| Embark | $188 |
| Mile Auto | $199 |
| Dairyland | $212 |
| GAINSCO | $214 |
| Allstate | $216 |
| The General | $234 |
| Mercury | $236 |
| Direct Auto | $239 |
| Bristol West | $244 |
| Insurify Car | $249 |
| Root | $257 |
| AssuranceAmerica | $279 |
| National General | $301 |
| Travelers | $347 |
| Hugo | $355 |
| First Acceptance | $371 |
| Liberty Mutual | $401 |
| Mendota | $401 |
Find an affordable policy in Deltona
About 15% of Deltona residents are 65 or older. If you’re 55 or older, you may qualify for a Florida car insurance discount by completing an approved mature driver discount course. The discount varies by insurer and typically lasts for three years, as long as you avoid crashes and violations.
State Farm is the cheapest company for liability insurance for senior drivers in Deltona, averaging $69 per month.
The table below shows the cheapest car insurance rates for senior drivers in Deltona.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $69 |
| GEICO | $79 |
| Mile Auto | $82 |
| Clearcover | $84 |
| Progressive | $87 |
| Embark | $103 |
| Direct Auto | $108 |
| Mercury | $110 |
| Dairyland | $112 |
| GAINSCO | $113 |
| AssuranceAmerica | $113 |
| Allstate | $118 |
| The General | $119 |
| Bristol West | $124 |
| National General | $128 |
| Insurify Car | $136 |
| Travelers | $144 |
| Root | $170 |
| Hugo | $193 |
| First Acceptance | $202 |
| Liberty Mutual | $205 |
| Mendota | $219 |
Here are answers to some other questions you might have about finding affordable auto insurance in Deltona, Florida.
Deltona drivers pay an average of $162 per month for liability-only coverage and $234 per month for full coverage, according to Insurify data.
State Farm offers the cheapest average liability-only policies in Deltona, at $86 per month. State Farm offers the cheapest full-coverage policies, at an average of $134 per month.
State Farm leads for the cheapest car insurance for senior drivers in Deltona, averaging $158 per month.
Factors like your driving record, age, gender, credit history, vehicle type, and coverage level affect your car insurance premium. Insurance companies also consider Deltona-specific factors, like flood risk and weather-related claims.
Volusia County averages 19.7 deaths from motor vehicle crashes per 100,000 residents, according to the Florida Department of Health. That’s higher than the statewide rate of 14.7.
Insurify data scientists analyzed more than 250 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:
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
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.
