Cheapest Auto Insurance in Ocala, Florida (2026)
State Farm offers the cheapest car insurance in Ocala, with rates starting at $104 per month.
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Written byNick Dauk
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Nick DaukInsurance Writer
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byDanny Smith
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Danny SmithInsurance Writer
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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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
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John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Table of contents
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.
Quick Facts
State Farm, Mile Auto, and Progressive have the cheapest car insurance in Ocala.
Liability insurance in Ocala costs an average of $163 per month, and full coverage costs $189 per month.
Ocala has rates cheaper than many Florida cities, including Orlando, Tampa, and Miami.
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.
 |  |  |  |  |  |  |
|---|---|---|---|---|---|---|
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 | Overall rating 4.0 | Overall rating 4.0 | Overall rating 4.2 | Overall rating 4.1 | Overall rating 3.8 | Overall rating 3.2 |
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 3.4/5 |
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 Members of the military communityAI-generated from 1517 user reviews | Special highlight Customer serviceAI-generated from 7299 user reviews | Special highlight Teen driversAI-generated from 7536 user reviews | Special highlight Usage-based savingsAI-generated from 515 user reviews | Special highlight Business auto coverageAI-generated from 14 user reviews | Special highlight Bundling discountsAI-generated from 1120 user reviews | Special highlight Competitive ratesAI-generated from 8266 user reviews |
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
| User Reviews | 4.6 |
|---|---|
| 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 |
4.6
Best choice in Ocala, FLBased on 202 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 66 Hugo reviews
Shelbi
Verified Purchase
Hugo Helps in a Flash
Reviewed in Illinois on March 21, 2026
I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.
Quincy
Verified Purchase
Great news
Reviewed in Pennsylvania on March 18, 2026
I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.
Angela
Verified Purchase
Affordable
Reviewed in Texas on February 2, 2026
Love that you can pay it freely by the day, week, or month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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
| User Reviews | 4.0 |
|---|---|
| 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 |
4.0
Best choice in Ocala, FLBased on 16,551 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 7,299 State Farm reviews
Robert
Verified Review
State Farm
Reviewed in Florida on March 30, 2026
State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.
Peter
Verified Review
Had enough.
Reviewed in Florida on March 28, 2026
Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.
Sylvia
Verified Review
State Farm is too expensive!
Reviewed in Florida on March 28, 2026
I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.
James
Verified Review
State Farm is the best
Reviewed in Florida on March 27, 2026
State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.
Jacquelyn
Verified Review
Evaluation
Reviewed in Florida on March 23, 2026
My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.
Barbara
Verified Review
Competitors Admit They Can’t Compete with SF Prices
Reviewed in Florida on March 22, 2026
Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.
Rebscca
Verified Review
State Farm
Reviewed in Florida on March 22, 2026
The folks at the State Farm office are awesome. However, the insurance is way too expensive.
Linda
Verified Review
Reasonable Rates
Reviewed in Florida on March 21, 2026
My current rate is much more reasonable than other companies.
Troy
Verified Review
Great service, price is a little high
Reviewed in Florida on March 21, 2026
It's a little expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
| User Reviews | 4.0 |
|---|---|
| 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 |
4.0
Best choice in Ocala, FLBased on 16,802 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 7,536 GEICO reviews
Pamala
Verified Review
Mostly Happy with Geico 😏
Reviewed in Florida on March 28, 2026
I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.
Jeffrey
Verified Review
Dump Geico, Go to Progressive
Reviewed in Florida on March 28, 2026
Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.
William
Verified Review
Excellent
Reviewed in Florida on March 26, 2026
I like them, but they're just too expensive.
Laura
Verified Review
Paying Too Much
Reviewed in Florida on March 21, 2026
Paying for a no-fault accident.
Gerald
Verified Review
Shop for insurance
Reviewed in Florida on March 21, 2026
Check around for lower prices.
Joseph
Verified Review
Great
Reviewed in Florida on March 21, 2026
Great customer support.
Jeff
Verified Review
Doubling my premium
Reviewed in Florida on March 20, 2026
I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.
Thelma
Verified Review
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Reviewed in Florida on March 19, 2026
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Patricia
Verified Purchase
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
Reviewed in Florida on March 12, 2026
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
Excellent
4.7 out of 5 based on 13,026 reviews
Secure. Free. Easy-to-use.
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.
Cheapest recent rates near Ocala, Florida
Drivers in and around Ocala, Florida have found policies from National General, Mercury, The General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Ocala, Florida within the last 10 days. Last updated on March 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Ocala, Florida within the last 10 days. Last updated on March 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 30, 2026. Actual quotes 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
Excellent
4.7 out of 5 based on 13,026 reviews
Secure. Free. Easy-to-use.
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.
)
Read More: The 10 Best Car Insurance Companies
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.
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 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.
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Check Out: Car Insurance Rates by State
Ocala car insurance FAQs
Finding the right car insurance can be challenging. Check out the answers to some commonly asked questions about car insurance in Ocala.
How much is car insurance in Ocala?
Drivers in Ocala pay $163 per month for liability coverage and $189 per month for full coverage. Your average rates ultimately depend on your driving record, credit history, marital status, age, location, and more.
What are the best car insurance companies in Ocala?
State Farm is the best car insurance company in Ocala, with an IQ Score of 9.3 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by GEICO, with an IQ Score of 9.2 and an AM Best financial strength rating of A++ (Superior).
Which company has the cheapest car insurance in Ocala?
State Farm offers the cheapest car insurance in Ocala, with liability rates starting at $104 per month. Mile Auto and Progressive also offer lower rates in the area, with respective monthly rates of $126 and $137.
What factors affect the cost of car insurance in Ocala?
Like in any city, factors like your ZIP code, driving record, age, credit score, and more affect the cost of car insurance in Ocala. Make sure to drive safely, keep your driving record clean, and maintain a strong credit score to keep your auto insurance premiums low. If you want to lower them even further, shop around for car insurance quotes and ask about discounts.
How much insurance do you need in Florida?
The liability insurance requirements in Florida are $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).
Methodology
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:
- 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
- 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.
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Sources
- Insurance Information Institute. "Auto insurance jargon buster."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Florida Highway Safety and Motor Vehicles. "Questions About Driving Records."
- Florida Department of Transportation. "Safe Mobility for Life Program."
- Florida Department of Transportation. "The 100 Deadliest Days for Teen Drivers."
- flrules.org. "Use of Credit Reports and Credit Scores by Insurers."
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Nick DaukInsurance Writer
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Featured in
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Danny SmithInsurance Writer
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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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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