Best Cheap Auto Insurance in Ocala, Florida (2024)

Drivers in Ocala pay 14% less for car insurance than the statewide average rate in Florida.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 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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Danny Smith
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Danny Smith
  • 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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Updated February 26, 2024 at 11:00 AM PST

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Drivers searching for the cheapest car insurance in Ocala should look to Hugo and State Farm, which offer quotes much lower than the city’s average rate of $376. You might find quotes higher or lower than that average, particularly if you’re a middle-aged driver with a clean record or a new driver with an accident or traffic ticket on your record.

It’s important to compare quotes from multiple insurers to find the cheapest car insurance rates in Ocala.

Quick Facts
  • Carrying extra coverage can be useful due to Florida’s high rate of uninsured drivers.

  • Drivers with DUIs require an FR-44, not an SR-22, filing in Florida.

  • Ocala has rates cheaper than many Florida cities, including Orlando, Tampa, and Miami.

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Cheapest car insurance companies in Ocala

The cheapest car insurance companies in Ocala include many well-known national insurers. However, 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 for teens and seniors: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
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
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.
$72/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.

Pros
  • Ideal for limited driving

  • Flexible payments

Cons
  • Minimum “Flex” plan not available in Florida

  • Limited optional coverages

Can’t get anyone to help me with my issues.

Melissa - October 24, 2023
Verified

Excellent price.

Ingrid - October 11, 2023
Verified

They have been honest.

Jason - September 24, 2023
Verified
Read our Hugo review

Best for drivers with a clean record: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$57/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.
$66/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 responsible 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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best for drivers with a poor driving record: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$68/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++ A.M. Best rating

  • Offers a variety of employment and membership discounts

Cons
  • High-risk drivers will be penalized with higher premiums

  • No gap insurance

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance in Ocala

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 below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm57
GEICO59
Allstate99
Mile Auto111
Safeco115
Travelers118
Mercury123
Liberty Mutual131
Direct Auto134
Progressive151
Infinity162
Dairyland180
AssuranceAmerica194
Bristol West233
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

Full-coverage car insurance typically costs more than liability-only plans, 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 below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm66
GEICO68
Allstate115
Travelers140
Mercury145
Mile Auto155
Safeco157
Infinity186
Liberty Mutual199
Direct Auto207
Progressive216
National General260
AssuranceAmerica262
Dairyland319
Bristol West334
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.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist

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

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

For instance, State Farm offers quotes averaging $105 to $113 per month to drivers with clean records, but even a single at-fault accident, DUI, or speeding ticket can increase those quotes to $122 to $243 per month.

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Cheapest car insurance for drivers with a speeding ticket

The Insurance Information Institute reports that 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.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm76
GEICO79
Allstate134
Travelers166
Mercury196
Safeco198
Mile Auto214
Infinity228
Liberty Mutual251
Direct Auto253
Progressive262
National General304
AssuranceAmerica331
Dairyland384
Bristol West395
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

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.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm81
GEICO85
Allstate144
Travelers177
Mercury209
Safeco216
Infinity230
Mile Auto230
Liberty Mutual269
Direct Auto271
Progressive282
National General331
AssuranceAmerica348
Dairyland408
Bristol West416
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

Getting a DUI can significantly raise your car insurance costs. 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, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm100
GEICO103
Allstate174
Travelers211
Mercury222
Mile Auto234
Safeco237
Direct Auto280
Infinity281
Liberty Mutual301
Progressive326
National General393
AssuranceAmerica396
Dairyland482
Bristol West504
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.
Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

Cheapest car insurance for seniors

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.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm39
GEICO44
Allstate76
Travelers91
Mercury105
Mile Auto106
Progressive114
Safeco121
Liberty Mutual133
Direct Auto134
AssuranceAmerica167
National General200
Dairyland225
Bristol West228
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

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, 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, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
GEICO99
State Farm105
Allstate188
Travelers235
Mercury250
Safeco262
Mile Auto276
Liberty Mutual314
Infinity326
Direct Auto351
Progressive359
AssuranceAmerica463
National General463
Dairyland478
Bristol West514
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.

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 lenders 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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Ocala car insurance quotes by credit tier

Florida allows insurers to consider your credit score when determining your premium.[7] Although it’s just one of many factors influencing premiums, credit-based insurance scores usually help those with excellent or good credit scores get better rates on average than those 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 $376, significantly higher than the national average of $212. 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

According to Insurify’s data, Miami’s average full-coverage quote is $594 per month, which is 34% higher than Ocala’s $442 quote. Other large cities, like Tampa, West Palm Beach, and Fort Lauderdale, are also more expensive. Fewer cities have cheaper average rates than Ocala as Fort Myers does.

CityAverage Monthly QuoteCompared to Ocala
Fort Lauderdale$56528%
Fort Myers$435-2%
Hollywood$57330%
Jacksonville$51617%
Kissimmee$54423%
Lakeland$51116%
Miami$59434%
Orlando$55024%
Pompano Beach$55927%
Saint Petersburg$54122%
Tampa$67853%
West Palm Beach$66651%
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.
Check Out: Car Insurance Rates by State

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?

    The average cost of car insurance in Ocala is $376 per month. Drivers pay $284 per month for liability coverage and $442 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 4.4 and an A.M. Best financial strength rating of A++ (Superior). It’s followed closely by GEICO, with an IQ Score of 4.2 and an A.M. Best financial strength rating of A++ (Superior).

  • 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.

Sources

  1. Insurance Information Institute. "Auto insurance jargon buster." Accessed June 30, 2023
  2. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?." Accessed June 30, 2023
  3. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements." Accessed June 30, 2023
  4. Florida Highway Safety and Motor Vehicles. "Questions About Driving Records." Accessed June 30, 2023
  5. Florida Department of Transportation. "Safe Mobility for Life Program." Accessed June 30, 2023
  6. Florida Department of Transportation. "The 100 Deadliest Days for Teen Drivers." Accessed June 30, 2023
  7. flrules.org. "Use of Credit Reports and Credit Scores by Insurers." Accessed June 30, 2023
Nick Dauk
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • 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.

Featured in

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