Cheapest Auto Insurance in Ocala, Florida (2024)

Ocala is home to 600 horse farms, and drivers in the so-called "Horse Capital of the World" pay an overall average of $219 per month for car insurance. This is lower than the statewide average of $257 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.

3 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.

Best insurer for teens and seniors: Hugo

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

Best insurer for people with a poor driving record: GEICO

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.

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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 $178 per month, and you can see a collection of rates available from top companies in the table below.

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 $260 per month. Here, you can compare full-coverage rates from several insurers.

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]

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.

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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 $211 per month for liability coverage, on average.

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 $227 for liability coverage.

Cheapest car insurance for drivers with a DUI: State Farm

Getting a DUI can raise your car insurance costs significantly. Drivers in Ocala pay $263 per month for liability coverage with a DUI on their record and $384 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]

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 $149 per month for liability car insurance. Explore other rates for senior drivers in the table below.

Cheapest car insurance for teens: GEICO

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 $273 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.

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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 $219 per month, significantly higher than the national monthly average of $158. 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.

Ocala car insurance FAQs