120+ more)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Updated
Port Orange car insurance averages $113 per month for liability-only coverage and $192 per month for full coverage, according to Insurify data.
Auto insurance in Port Orange, Florida, is cheaper than the Florida average and in nearby Daytona Beach. Daytona Beach has a higher population density and greater exposure to coastal storms, both of which can increase claim risk.[1] [2]
Port Orange’s rates are also well below the Orlando average. Orlando’s heavier traffic and congestion, according to the INRIX Traffic Scorecard report, may contribute to more crashes and higher claim frequency.
State-minimum liability-only coverage is the cheapest way to meet Florida car insurance requirements. Floridians must have at least $10,000 in property damage liability (PDL) and personal injury protection (PIP) coverage.[3]
State Farm offers the cheapest liability car insurance in Port Orange, at $65 per month. Its rate is lower than the city’s average monthly rate of $113.
The table below shows which insurers have the cheapest rates for liability-only car insurance in Port Orange, based on Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $65 |
| Clearcover | $70 |
| Mile Auto | $71 |
| Progressive | $71 |
| GEICO | $73 |
| Embark | $85 |
| Dairyland | $91 |
| GAINSCO | $97 |
| Direct Auto | $98 |
| Mercury | $100 |
| The General | $103 |
| Bristol West | $111 |
| Allstate | $113 |
| AssuranceAmerica | $113 |
| National General | $119 |
| Insurify Car | $123 |
| Root | $133 |
| Travelers | $134 |
| Hugo | $164 |
| Mendota | $182 |
| First Acceptance | $183 |
| Liberty Mutual | $187 |
Get a minimum coverage quote in 2 minutes, buy a policy in 4
Full coverage, which includes comprehensive coverage and collision coverage, isn’t a requirement in Florida. Still, it’s a smart choice in Port Orange, where hurricane season brings an increased risk of damage from heavy rain, flooding, hail, and wind, which can lead to costly vehicle repairs.
State Farm typically offers full-coverage rates well below the citywide average of $192. Check out the table below for more insurers offering the cheapest full-coverage car insurance in Port Orange.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $104 |
| Progressive | $116 |
| Mile Auto | $133 |
| Mercury | $147 |
| GEICO | $152 |
| National General | $154 |
| Direct Auto | $163 |
| Bristol West | $172 |
| Clearcover | $172 |
| Allstate | $181 |
| The General | $199 |
| AssuranceAmerica | $205 |
| Embark | $209 |
| Travelers | $216 |
| GAINSCO | $231 |
| Root | $234 |
| Liberty Mutual | $243 |
| Dairyland | $261 |
| First Acceptance | $268 |
| Mendota | $284 |
Port Orange has some of the most affordable car insurance rates in Florida, averaging $153 per month. Drivers in larger cities like Miami Gardens and Tampa often pay higher premiums because more people on the road usually means more frequent accidents. Venice has the cheapest insurance in Florida.
Miami Gardens has almost twice the population of Port Orange, according to U.S. Census Bureau data. Tampa’s population is more than six times larger.
Port Orange still faces hurricane and flood risks. But Volusia County has lower vehicle theft volume and uninsured motorist rates than Miami-Dade and Hillsborough counties, according to Insurify data. These factors, along with Port Orange’s lower population density, may contribute to lower claim risk and cheaper premiums.
We break down average car insurance quotes in Port Orange compared to those in other Florida cities in the table below.
City | Average Monthly Quote |
|---|---|
| Venice | $134 |
| Milton | $142 |
| The Villages | $143 |
| Saint Augustine | $149 |
| North Port | $150 |
| Panama City | $150 |
| Punta Gorda | $150 |
| Vero Beach | $150 |
| Eustis | $155 |
| Gainesville | $157 |
| Sarasota | $158 |
| Melbourne | $161 |
| Palm Coast | $161 |
| Cocoa | $164 |
| Naples | $164 |
| Pensacola | $164 |
| Palm Bay | $166 |
| Jupiter | $167 |
| Cape Coral | $169 |
| Tallahassee | $169 |
| Ocala | $170 |
| Largo | $172 |
| Bradenton | $175 |
| Clearwater | $175 |
| Daytona Beach | $175 |
| Port Saint Lucie | $175 |
| Lakeland | $177 |
| Winter Springs | $177 |
| Saint Cloud | $178 |
| Clermont | $179 |
| Winter Haven | $179 |
| Fort Myers | $180 |
| Sanford | $180 |
| Pinellas Park | $183 |
| Oviedo | $185 |
| Plant City | $185 |
| Coral Springs | $186 |
| Orange Park | $186 |
| Saint Petersburg | $186 |
| Jacksonville | $187 |
| Palm Harbor | $188 |
| Davenport | $189 |
| Apopka | $190 |
| Altamonte Springs | $192 |
| Deltona | $196 |
| Palm Beach Gardens | $197 |
| Spring Hill | $198 |
| Kissimmee | $199 |
| New Port Richey | $204 |
| Wesley Chapel | $206 |
| Orlando | $208 |
| Wellington | $212 |
| Boca Raton | $215 |
| Brandon | $215 |
| Riverview | $215 |
| Fort Lauderdale | $218 |
| Hollywood | $220 |
| North Miami Beach | $220 |
| Holiday | $223 |
| Pompano Beach | $224 |
| West Palm Beach | $224 |
| Homestead | $227 |
| Miami Beach | $227 |
| Deerfield Beach | $233 |
| Delray Beach | $239 |
| Lake Worth | $239 |
| Hialeah | $240 |
| Tampa | $241 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $268 |
*Quotes generated for Insurify users in and around Port Orange, Florida within the last 10 days. Last updated on August 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Port Orange, Florida within the last 10 days. Last updated on August 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Port Orange can see significant rate differences based on their driving history. A clean record usually leads to the lowest premiums, while speeding tickets, accidents, and driving under the influence (DUI) convictions can increase costs.
The following insurers offer the cheapest car insurance in Port Orange for each driving profile:
Cheapest car insurance for Port Orange drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Port Orange: State Farm
Cheapest car insurance for Port Orange drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Port Orange: State Farm
If you live in Port Orange and don’t have a clean record, you’re not alone. Around 3% of drivers have a ticket, 3.8% have an at-fault accident, and 0.5% have a DUI, according to Insurify data. The Port Orange Police Department (POPD) conducts impaired-driving enforcement and education efforts to deter driving under the influence.
Florida’s no-fault system covers injury claims regardless of fault. But tickets, at-fault crashes, and DUIs can still increase premiums, as shown in the table below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $153 |
| Speeding ticket | $177 |
| At-fault accident | $193 |
| DUI | $198 |
Driving in Port Orange is generally straightforward, but local conditions can still affect your daily commute and insurance costs.
Major routes like Interstate 95, U.S. Route 1, and Dunlawton Avenue (state Route 421) can experience heavier traffic during rush hour.[4] Roads also become busier when visitors travel through Volusia County for Daytona Beach events such as Bike Week, the Daytona 500, and Biketoberfest.
Hurricane season can bring heavy rain and the risk of localized flooding to Port Orange. Low-lying areas near the Halifax River and Spruce Creek are especially vulnerable to flooding and storm surge, which can disrupt travel and create hazardous driving conditions.
These traffic and weather patterns can increase the likelihood of accidents and weather-related claims. Checking road conditions before traveling and avoiding flooded streets can help reduce delays and keep you safer behind the wheel.
Traffic, weather, and population density are a few factors insurers use to determine local car insurance rates. The average commute in Port Orange is 25.9 minutes, which is slightly below the U.S. average of 27.2 minutes. Traffic congestion and commute times can increase during major events and rush hour along already-busy corridors like U.S. Route 1 and I-95.
Customizing your insurance policy to your driving habits and commute can help ensure you have appropriate coverage. Port Orange drivers who regularly travel on busy roads like Williamson Boulevard and Nova Road during rush hour may face greater exposure to traffic-related risks.
Port Orange teens must follow Florida’s graduated driver’s license laws, including supervised driving requirements, before earning full driving privileges. Teen drivers often pay the highest auto insurance rates due to higher crash risk.
In 2023, Volusia County recorded 53.2 crashes per 1,000 licensed drivers ages 15–19, which is slightly above the statewide rate of 50.8, according to the Florida Department of Health. Liability coverage averages $188 per month for teens in Port Orange.
Teens can find lower rates with State Farm. Here’s a list of the cheapest insurers for teens in Port Orange.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $109 |
| Progressive | $118 |
| State Farm | $120 |
| GEICO | $126 |
| Mile Auto | $140 |
| Embark | $141 |
| Dairyland | $150 |
| GAINSCO | $162 |
| Mercury | $174 |
| The General | $177 |
| Direct Auto | $183 |
| Bristol West | $187 |
| Allstate | $188 |
| Root | $190 |
| Insurify Car | $204 |
| AssuranceAmerica | $224 |
| National General | $226 |
| Travelers | $266 |
| Hugo | $272 |
| Mendota | $302 |
| First Acceptance | $304 |
| Liberty Mutual | $312 |
Check quotes from 120+ top insurance companies
More than one-quarter of Port Orange residents are age 65 or older, compared with about 23% statewide. Comparing car insurance quotes can help retirees in Port Orange find the best deal on auto insurance. For example, State Farm and Clearcover offer some of the cheapest Port Orange car insurance rates for seniors, based on Insurify data.
Check out the table below for more cheap Port Orange car insurance options for senior drivers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $52 |
| Mile Auto | $57 |
| GEICO | $59 |
| Clearcover | $63 |
| Progressive | $64 |
| Embark | $76 |
| Dairyland | $79 |
| Mercury | $81 |
| Direct Auto | $82 |
| GAINSCO | $85 |
| The General | $89 |
| AssuranceAmerica | $90 |
| Bristol West | $95 |
| National General | $96 |
| Allstate | $102 |
| Travelers | $110 |
| Insurify Car | $111 |
| Root | $125 |
| Hugo | $148 |
| Liberty Mutual | $159 |
| Mendota | $164 |
| First Acceptance | $165 |
Whether you’re shopping for your first policy or comparing rates at renewal, these answers cover some of the most common questions about auto insurance quotes in Port Orange.
The average cost of car insurance in Port Orange is $153 per month, according to Insurify data. Rates average $113 per month for liability only and $192 per month for full coverage.
State Farm offers the cheapest liability coverage in Port Orange, at $65 per month. For full coverage, State Farm has the cheapest rates, averaging $104 monthly. Comparing free quotes from multiple insurers is the best way to find the cheapest policy.
To get the best car insurance in Port Orange, first determine your coverage needs and budget before requesting quotes. Make sure you get car insurance quotes from multiple Port Orange insurers to compare rates, coverages, and deductibles. Bundling policies like auto and renters or home insurance can also help you get the best deal.
State Farm offers the cheapest car insurance in Port Orange for senior drivers, at $52 per month, according to Insurify data. Retirees and senior drivers may also qualify for additional savings for safe driving, low mileage, or completing a state-approved defensive driving course.
Insurify data scientists analyzed more than 250 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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.
