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.
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.
Save up to $852 by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
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.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Ocala is home to 600 horse farms, and drivers in the so-called "Horse Capital of the World" pay an overall average of $194 per month for car insurance. This is lower than the statewide average of $234 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, GEICO, and Hugo have the cheapest car insurance in Ocala.
Liability insurance in Ocala costs an average of $158 per month, and full coverage costs $230 per month.
Ocala has rates cheaper than many Florida cities, including Orlando, Tampa, and Miami.
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.
Insurance Company
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.
Full Coverage
Liability Only
Best For
Hugo
7.0
N/A
$77
Teens and seniors
State Farm
9.3
$83
$71
People with a clean driving record
GEICO
9.0
$86
$73
People with a poor driving record
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.
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.
7.0/10
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.
$64/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.
$213/mo
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.
It's too expensive and I never get a response from them until days later. It's hard to modify your policy. They don’t cover all cars and when you try to talk with someone, they never answer. Very poor insurance company.
Kimberly - July 14, 2024
Verified
I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.
I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.
Jennifer - July 13, 2024
Verified
Rate Increase If You Turn Off and On
I can't say much except that I don't like the rate hike because I didn't use it.
…
Best insurer for people with a clean driving record: State Farm
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.
$59/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.
$69/mo
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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
Best insurer for people with a poor driving record: GEICO
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.
9.0/10
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.
$61/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.
$71/mo
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
The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.
The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.
Judy - July 25, 2024
Verified
Poor Mobile App
The mobile app was disappointing. After multiple attempts, we decided to cancel.
Matthew - July 25, 2024
Verified
Geico is Expensive but Offers Great Service
It's expensive, but the service is awesome.
…
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 $59 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $158 per month, and you can see a collection of rates available from top companies in the table below.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$59
GEICO
$61
Hugo
$64
Mile Auto
$102
Allstate
$103
Safeco
$115
Travelers
$122
Mercury
$123
Liberty Mutual
$127
Direct Auto
$131
Midvale Home & Auto
$149
Progressive
$153
Infinity
$158
Foremost
$174
Dairyland
$182
GAINSCO
$183
AssuranceAmerica
$203
Bristol West
$217
National General
$246
The General
$261
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $230 per month. Here, you can compare full-coverage rates from several insurers.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$69
GEICO
$71
Allstate
$120
Safeco
$139
Mile Auto
$142
Travelers
$143
Mercury
$148
GAINSCO
$203
Hugo
$213
Liberty Mutual
$215
Progressive
$216
Infinity
$219
Midvale Home & Auto
$224
Direct Auto
$236
National General
$256
Foremost
$264
Dairyland
$319
AssuranceAmerica
$323
Bristol West
$323
The General
$378
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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.
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 $69 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
$59
$69
GEICO
$61
$72
Hugo
$64
$80
Mile Auto
$102
$129
Allstate
$103
$122
Safeco
$115
$138
Travelers
$122
$146
Mercury
$123
$157
Liberty Mutual
$127
$166
Direct Auto
$131
$156
Midvale Home & Auto
$149
$184
Progressive
$153
$182
Infinity
$158
$196
Foremost
$174
$228
Dairyland
$182
$217
GAINSCO
$183
$240
AssuranceAmerica
$203
$245
Bristol West
$217
$256
National General
$246
$291
The General
$261
$314
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $207 for liability coverage.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
$59
$75
GEICO
$61
$78
Hugo
$64
$79
Mile Auto
$102
$141
Allstate
$103
$132
Safeco
$115
$143
Travelers
$122
$157
Mercury
$123
$168
Liberty Mutual
$127
$178
Direct Auto
$131
$172
Midvale Home & Auto
$149
$203
Progressive
$153
$199
Infinity
$158
$199
Foremost
$174
$244
Dairyland
$182
$232
GAINSCO
$183
$225
AssuranceAmerica
$203
$259
Bristol West
$217
$274
National General
$246
$317
The General
$261
$341
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Hugo
Getting a DUI can raise your car insurance costs significantly. Drivers in Ocala pay $239 per month for liability coverage with a DUI on their record and $348 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
$59
$94
GEICO
$61
$98
Hugo
$64
$90
Mile Auto
$102
$145
Allstate
$103
$165
Safeco
$115
$184
Travelers
$122
$195
Mercury
$123
$176
Liberty Mutual
$127
$203
Direct Auto
$131
$209
Midvale Home & Auto
$149
$238
Progressive
$153
$245
Infinity
$158
$253
Foremost
$174
$278
Dairyland
$182
$291
GAINSCO
$183
$293
AssuranceAmerica
$203
$325
Bristol West
$217
$347
National General
$246
$393
The General
$261
$417
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $129 per month for liability car insurance. Explore other rates for senior drivers in the table below.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Hugo
$46
$152
State Farm
$46
$53
GEICO
$48
$56
Mile Auto
$77
$107
Allstate
$82
$96
Mercury
$93
$112
Safeco
$94
$113
Travelers
$95
$112
Direct Auto
$101
$182
Liberty Mutual
$102
$172
Progressive
$109
$154
Midvale Home & Auto
$114
$171
Infinity
$119
$164
Foremost
$135
$205
Dairyland
$145
$253
GAINSCO
$151
$167
AssuranceAmerica
$153
$243
Bristol West
$173
$257
National General
$191
$199
The General
$212
$307
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $247 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
GEICO
$89
$104
State Farm
$93
$109
Hugo
$104
$346
Allstate
$169
$197
Mile Auto
$186
$259
Travelers
$206
$241
Mercury
$209
$252
Liberty Mutual
$219
$370
Direct Auto
$224
$403
Safeco
$225
$272
Midvale Home & Auto
$240
$361
Progressive
$258
$365
Infinity
$272
$377
Dairyland
$283
$496
Foremost
$289
$439
GAINSCO
$304
$337
Bristol West
$345
$513
AssuranceAmerica
$354
$563
The General
$392
$567
National General
$447
$465
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Ocala, FL
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $194 per month, significantly higher than the national monthly average of $160. 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.
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.
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 $158 per month for liability coverage and $230 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 9.0 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 $59 per month. GEICO and Hugo also offer lower rates in the area, with respective monthly rates of $61 and $64.
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 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
flrules.org. "Use of Credit Reports and Credit Scores by Insurers."
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
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.
)
)
){kind=logo}
){kind=small}
){kind=small}
)
)
){kind=small}
Hugo
State Farm
GEICO
)
)
)
)
)
)
)
)
)