Cheapest Auto Insurance in Ocala, Florida (2026)

Ocala, Florida, is home to 600 horse farms, and drivers in the so-called "Horse Capital of the World" pay an overall average of $176 per month for car insurance. This is lower than the statewide average of $184 per month.

Ocala’s small population size of just over 65,000 could contribute to its lower car insurance costs compared to the rest of the Sunshine State.

Here’s what you should know about comparing quotes and finding the cheapest car insurance in Ocala.

7 of the cheapest car insurance companies in Ocala

The cheapest car insurance companies in Ocala include many well-known national insurers. But the best company for you will depend on your unique driver profile, how much coverage you need, and what rates you can afford. When shopping, compare quotes from multiple insurers to get the best rate.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $76/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $111/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $169/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $140/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $214/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $160/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $162/mo*
Overall rating 4.9 1,482 reviews	Overall rating 4.0 7,194 reviews	Overall rating 4.0 7,442 reviews	Overall rating 4.2 512 reviews	Overall rating 4.1 14 reviews	Overall rating 3.8 1,120 reviews	Overall rating 3.2 8,143 reviews
Value for money 4.9/5	Value for money 3.7/5	Value for money 3.8/5	Value for money 3.6/5	Value for money 3.3/5	Value for money 3.2/5	Value for money 3.0/5
Customer service 4.8/5	Customer service 4.2/5	Customer service 4.1/5	Customer service 4.0/5	Customer service 3.1/5	Customer service 3.7/5	Customer service 3.3/5
Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.2/5	Claims handling 3.9/5	Claims handling 3.8/5	Claims handling 3.3/5
Special highlight AI-generated from 1482 user reviews Members of the military community	Special highlight AI-generated from 7194 user reviews Customer service	Special highlight AI-generated from 7442 user reviews Teen drivers	Special highlight AI-generated from 512 user reviews Usage-based savings	Special highlight AI-generated from 14 user reviews Business auto coverage	Special highlight AI-generated from 1120 user reviews Bundling discounts	Special highlight AI-generated from 8143 user reviews Competitive rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for teens and seniors: Hugo

Teens and Seniors

Compare Quotes

User Reviews	4.5 64 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.3 /10
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.	$202/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.	$NaN/mo

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Driver Reviews

4.5

Best choice in Ocala, FLBased on 194 verified driver reviews and ratings

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Ocala for

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Ocala for

Micropayments

No down payments

Fast coverage

Showing recent national reviews - See all 64 Hugo reviews

Angela

Verified Purchase

Affordable

Reviewed in Texas on February 2, 2026

Love that you can pay it freely by the day, week, or month.

Theola

Verified Purchase

Awesome and Affordable

Reviewed in Illinois on February 1, 2026

Awesome price with coverage.

Peter

Verified Review

Excellent

Reviewed in Alabama on January 31, 2026

Hugo has the best liability insurance and the cheapest.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

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

Why we picked this company

Florida is one of the limited states where Hugo is available. It’s a pay-as-you-drive insurer that minimizes fees and offers drivers packages that let them pause their coverage when they don’t drive. Hugo sells polices for as short as three days. This unique option makes it a good choice for teens and seniors who don’t drive often, though it only offers liability and full-coverage policies.

Pros

• Ideal for limited driving

• Flexible payments

Cons

• Minimum “Flex” plan not available in Florida

• Limited optional coverages

Best insurer for people with a clean driving record: State Farm

People with a Clean Driving Record

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User Reviews	4.0 7,194 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
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.	$104/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.	$112/mo

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Driver Reviews

4.0

Best choice in Ocala, FLBased on 15,890 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Ocala for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Ocala for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Ocala drivers - See all 7,194 State Farm reviews

Sally

Verified Review

Frustrated with Insurance Companies

Reviewed in Florida on March 9, 2026

Car insurance, so far, is fine with State Farm. It's the homeowners policies I'm frustrated about. State Farm is higher priced and after about 40 years of paying them, when I needed help for the first time, they paid and then dropped me. Not okay!

Gary

Verified Review

Good customer service

Reviewed in Florida on March 8, 2026

Raised my rates without explaining why.

John

Verified Review

Price

Reviewed in Florida on March 7, 2026

You need to search the internet every 6 months as every auto insurer is raising prices differently.

Tajmahl

Verified Review

Rip-off

Reviewed in Florida on March 4, 2026

Not great, but better than $300 a month.

Rosemary

Verified Review

Too Expensive

Reviewed in Florida on March 1, 2026

Very expensive. I've been with State Farm for over 40 years with no claims, and they are still raising rates on me.

Brian

Verified Review

Better insurance at a reasonable price

Reviewed in Florida on February 24, 2026

Too expensive. I've been with them for 20 plus years and can't get a break.

Begona

Verified Review

State Farm plays with numbers!

Reviewed in Florida on February 23, 2026

State Farm raised my payment in May 2025 to $352.30, June $352.30, July $355.42, August $355.42, September $355.43, October $467.60, November $495.20, December $495.20, January $464.27, February $468.58. This should be illegal; no notice in the mail. They are just playing with numbers, and I’m over it. That’s how I feel! This is crazy! Can State Farm do this? Tips to my friends: stay away.

Gregory

Verified Review

Excellent

Reviewed in Florida on February 22, 2026

The people I have dealt with are excellent, but I think it's a little expensive though.

Maryann

Verified Review

Not saving much money

Reviewed in Florida on February 21, 2026

It's a little cheaper than my old insurance, but not by much. I maybe saved less than $90.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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).

A++

Why we picked this company

Offering some of the lowest average quotes in Ocala, State Farm is a good choice for drivers with a clean record. State Farm policyholders enjoy low premiums because of the insurer’s diverse savings options. The Steer Clear and Drive Safe & Save programs reward safe driving habits, while other discounts and bundling opportunities can further decrease costs.

Pros

• Above-average J.D. Power score

• High IQ Score

Cons

• Low Better Business Bureau (BBB) customer score

• Drive Safe & Save feature can increase rates at renewal

Best insurer for people with a poor driving record: GEICO

People with a Poor Driving Record

Compare Quotes

User Reviews	4.0 7,442 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
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.	$156/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.	$175/mo

Show Details

Driver Reviews

4.0

Best choice in Ocala, FLBased on 16,133 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Ocala for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Ocala for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Ocala drivers - See all 7,442 GEICO reviews

John

Verified Review

GEICO, Best Insurance

Reviewed in Florida on March 9, 2026

Cheapest in Florida hands down. I’ve tried to get coverage from other carriers and they can’t beat it.

Gerald

Verified Review

Auto Tesla

Reviewed in Florida on March 9, 2026

Great service.

Harley

Verified Review

Too expensive

Reviewed in Florida on March 9, 2026

I have not had any issues with Progressive. They are definitely cheaper than GEICO.

Andrzej

Verified Review

Lack of contact with agent is a big minus.

Reviewed in Florida on March 8, 2026

I am using the GEICO app and constantly getting messages asking me to install this app. Lately, they asked me to pay $7 (and some change) for something I don’t understand. It's impossible to find a phone agent to ask for an explanation.

Zaqueo

Verified Review

Happy

Reviewed in Florida on March 8, 2026

They have good prices and good customer service.

Mary

Verified Review

No contact with a human to answer questions.

Reviewed in Florida on March 8, 2026

I have attempted to reduce my costs because I don’t drive more than 50 miles a week. No one responds.

Roger

Verified Review

Raising rates for no reason other than greed

Reviewed in Florida on March 5, 2026

Rates just kept going up and up for no reason. Just corporate greed. Progressive is even worse. Dropping Progressive currently. Found insurance for $60 a month less with a lesser-known company.

John

Verified Review

Discounts for Auto Insurance

Reviewed in Florida on March 4, 2026

All was good until my policy lapsed for two or three days because I was in the hospital. Then, all of a sudden, my insurance jumped forty dollars a month, and it has remained there for some time. I feel like I am not getting the discounts that I should be receiving. I have had no tickets or accidents in over five years, yet I'm still paying a very high price for the cheapest insurance I could get. I shop all the time for insurance because I feel that Geico is not offering me the best deal.

Loretta

Verified Purchase

Buying Car Insurance

Reviewed in Florida on March 3, 2026

I was pleased with the price and experience.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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).

A++

Why we picked this company

A well-known national brand, GEICO offers personalized auto coverage options, including uninsured and underinsured motorist coverage, medical payments coverage, and emergency roadside assistance. GEICO offers some of the lowest prices in Ocala for drivers with one at-fault accident, speeding ticket, or DUI. Defensive driving courses and employee discounts can help you lower your rate.

Pros

• A++ AM Best rating

• Offers a variety of employment and membership discounts

Cons

• High-risk drivers pay higher premiums

• No gap insurance

How to get the cheapest car insurance in Ocala

Along with driver profile factors, things like bundling multiple policies, the level of coverage you have, and your deductible limit can all influence your rate. Here are three tips to consider when shopping for cheap car insurance in Ocala:

• Investigate low-mileage discounts. Many discounts are available from insurers, but low-mileage discounts may be ideal for drivers like teens or seniors who don’t drive often or far.

• Consider group insurance offerings. Your place of work or professional association might offer group insurance policies; these organizations might be able to get you a lower premium than you could on your own.

• Shop around. Comparing quotes from multiple insurers is the best way to find the cheapest car insurance in Ocala; this includes shopping around before you sign up for a policy and reviewing competitors’ quotes during your term.

Find Cheap Car Insurance in Ocala

Liability rates start at $104 per month

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Cheapest liability-only car insurance in Ocala: State Farm

Liability-only car insurance reimburses other people for damages or injuries you’re at fault for in an accident.^[1] Each state has its own minimum insurance requirements; a liability-only policy written in Ocala will cover Florida’s minimum mandated coverage levels for drivers. In most cases, liability-only coverage is cheaper than full coverage.

The average rate for a liability-only policy in Ocala is $163 per month, and you can see a collection of rates available from top companies in the table below.

The below rates in Ocala, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$104
Mile Auto	$126
Progressive	$137
GAINSCO	$141
Direct Auto	$152
Mercury	$155
GEICO	$156
The General	$168
Bristol West	$172
Infinity	$173
National General	$177
AssuranceAmerica	$179
Allstate	$181
Travelers	$215
Root	$221
Dairyland	$291
Liberty Mutual	$318

Disclaimer: Table data sourced from real-time Ocala car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ocala may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Ocala: State Farm

Full-coverage car insurance typically costs more than liability-only insurance, but its additional coverage can be beneficial. Unlike liability-only policies, these plans usually feature coverage for your property when you hit an object or flip over, called collision coverage, and coverage for damages from fire, weather, floods, and vandalism, known as comprehensive coverage.^[2]

The average rate for a full-coverage policy in Ocala is $189 per month. Here, you can compare full-coverage rates from several insurers.

The below rates in Ocala, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$112
Mile Auto	$164
GEICO	$175
Progressive	$179
Mercury	$187
Allstate	$197
Direct Auto	$205
National General	$206
Travelers	$234
Bristol West	$236
The General	$250
Infinity	$254
GAINSCO	$263
AssuranceAmerica	$286
Root	$288
Liberty Mutual	$319
Dairyland	$476

Disclaimer: Table data sourced from real-time Ocala car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ocala may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Florida

Florida is a no-fault state, meaning that all parties in an accident must report a bodily injury claim to their insurer, regardless of who’s at fault. That’s why Florida’s minimum requirements for car insurance include personal injury protection (PIP), which is required in all no-fault states.^[3]

Coverage	Minimum Requirements
Personal injury protection (PIP)	$10,000
Property damage liability (PDL)	$10,000

While PDL and PIP are the only required coverages drivers need in Florida, you could benefit from investing in optional coverages like:

• 

  Bodily injury liability

  Bodily injury liability (BIL) covers death or injury to others during an accident when the other driver is somewhat at fault. BIL coverage is required for drivers in Florida with DUIs.

• 

  Uninsured/underinsured motorist

  Uninsured/underinsured motorist insurance covers your injuries and damages if an uninsured or underinsured driver hits you.

• 

  Rental reimbursement

  This covers expenses related to renting a car while your car is inoperable.

Cheapest car insurance for drivers with an incident

You’ll likely find the best prices from insurers when you have a clean driving record. At-fault accidents, speeding tickets, DUIs, and other moving violations will likely increase your premiums, even if it’s your first offense.

Find Car Insurance in Ocala, FL

Monthly rates start at $124 for drivers with an incident

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

Drivers with speeding tickets or other violations typically pay more for car insurance than drivers with clean records. Your insurer may increase your premiums based on how fast you were going over the speed limit or how many citations you’ve received in the past.

Drivers in Ocala with a speeding ticket pay $189 per month for liability coverage, on average.

The below rates in Ocala, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$104	$127
Mile Auto	$126	$148
Progressive	$137	$159
GAINSCO	$141	$162
Direct Auto	$152	$183
Mercury	$155	$209
GEICO	$156	$197
The General	$168	$217
Bristol West	$172	$208
Infinity	$173	$212
National General	$177	$212
AssuranceAmerica	$179	$219
Allstate	$181	$227
Travelers	$215	$269
Root	$221	$284
Dairyland	$291	$351
Liberty Mutual	$318	$390

Disclaimer: Table data sourced from real-time Ocala car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ocala may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Even when an accident doesn’t result in injury or death, such as getting in a fender bender or jumping a curb, your insurer may still raise your rates afterward. These accidents could affect your premiums for three to five years after you file a claim.

Ocala residents with an accident on their record can pay a monthly average of $206 for liability coverage.

The below rates in Ocala, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$104	$134
Mile Auto	$126	$166
Progressive	$137	$173
GAINSCO	$141	$176
Direct Auto	$152	$203
Mercury	$155	$229
GEICO	$156	$198
The General	$168	$226
Bristol West	$172	$221
Infinity	$173	$218
National General	$177	$230
AssuranceAmerica	$179	$232
Allstate	$181	$237
Travelers	$215	$283
Root	$221	$289
Dairyland	$291	$377
Liberty Mutual	$318	$413

Disclaimer: Table data sourced from real-time Ocala car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ocala may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Getting a DUI can raise your car insurance costs significantly. Drivers in Ocala pay $231 per month for liability coverage with a DUI on their record and $268 per month for full coverage.

Not only does a DUI put you and others on the road at risk, but it can stay on your record for 75 years in Florida.^[4]

The below rates in Ocala, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$104	$151
Mile Auto	$126	$183
Progressive	$137	$194
GAINSCO	$141	$205
Direct Auto	$152	$221
Mercury	$155	$234
GEICO	$156	$224
The General	$168	$244
Bristol West	$172	$250
Infinity	$173	$251
National General	$177	$257
AssuranceAmerica	$179	$260
Allstate	$181	$263
Travelers	$215	$312
Root	$221	$322
Dairyland	$291	$423
Liberty Mutual	$318	$462

Disclaimer: Table data sourced from real-time Ocala car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ocala may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Florida has an increasingly high population of senior drivers age 65 and older compared to the rest of the nation.^[5] While quotes for middle-aged adults are typically lower in their 30s and 40s, they often increase as drivers enter their 70s. Even though older adults are safe drivers, physical impairments can increase the risk of crashes, which is why premiums are often higher.

Seniors in Ocala pay an average of $146 per month for liability car insurance. Explore other rates for senior drivers in the table below.

The below rates in Ocala, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$83	$90
Mile Auto	$101	$132
GAINSCO	$122	$228
Progressive	$123	$161
Direct Auto	$125	$169
Mercury	$126	$152
GEICO	$127	$142
Infinity	$130	$190
National General	$142	$166
AssuranceAmerica	$143	$228
The General	$144	$215
Bristol West	$146	$200
Allstate	$150	$163
Travelers	$175	$191
Root	$188	$246
Dairyland	$251	$411
Liberty Mutual	$271	$272

Disclaimer: Table data sourced from real-time Ocala car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ocala may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Florida teenagers have a higher rate of fatal crashes than older adults; their likelihood of accidents also triples with peers in their cars. Teen driver insurance is often much more expensive because of this increased risk — about $282 per month for liability coverage in Ocala — but you can still save money on your policy.^[6]

Staying on a parent’s insurance policy could yield discounted rates. Teens with their own insurance policies should drive cars with high safety ratings and apply for good student discounts. Most importantly, teens should follow the law, drive safely, and minimize the chances of being involved in an accident or traffic violation.

The below rates in Ocala, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$197	$213
Progressive	$237	$310
GAINSCO	$251	$469
Mile Auto	$254	$331
GEICO	$272	$305
Mercury	$281	$338
Direct Auto	$286	$386
The General	$287	$427
Bristol West	$300	$411
Infinity	$315	$463
Allstate	$351	$382
National General	$351	$409
AssuranceAmerica	$364	$582
Root	$372	$485
Travelers	$438	$476
Dairyland	$486	$795
Liberty Mutual	$547	$549

Disclaimer: Table data sourced from real-time Ocala car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ocala may vary based on the policy buyer's unique driver profile.

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Ocala car insurance quotes by credit tier

Florida allows insurers to consider your credit history when determining your premium.^[7] Although it’s just one of many factors influencing premiums, credit-based insurance scores usually help drivers with excellent or good credit scores get better rates on average than drivers with poor credit scores.

Is car insurance more expensive in Ocala?

The average car insurance quote in Ocala is $176 per month, significantly higher than the national monthly average of $136. Mark Friedlander, director of corporate communications for the Insurance Information Institute, notes that insurers price policies based on local factors, such as the cost of repairs, accident frequency, vehicle theft, and vandalism rates.

“Vehicle owners who live in sparse communities like Ocala will typically see better average rates than those who live in a large municipality like Miami,” says Friedlander.

More cities in Florida

The table below shows how car insurance rates in Ocala compare to some other cities in the Sunshine State.

City	Full Coverage	Liability Only
Cape Coral	$196	$156
Clearwater	$200	$164
Fort Lauderdale	$222	$186
Jacksonville	$206	$163
Miami	$260	$204
Orlando	$229	$182
Pensacola	$192	$138
Tallahassee	$188	$142
Tampa	$262	$205
Winter Haven	$218	$160

Disclaimer: Table data is based on real-time Ocala quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Ocala car insurance FAQs