Cheapest Auto Insurance in Daytona Beach, Florida (2025)

State Farm has the cheapest liability coverage in Daytona Beach, with an average rate of $96/mo.

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Las tarifas más baratas encontradas recientemente en Florida

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $32/mes para solo responsabilidad y $76/mes para cobertura total en Florida.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 30 de julio de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 30 de julio de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 30 de julio de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 30 de julio de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Jennifer Brozic
Escrito porJennifer Brozic
Jennifer Brozic
Jennifer Brozic
  • 18+ years experience in finance writing

  • Background in communications for banks and credit unions

Jennifer is a content marketing writer specializing in the financial services and insurance industries. Her areas of expertise include budgeting, building credit, loans, and more.

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Danny Smith
Editado porDanny Smith
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Danny SmithEscritor de seguros
  • Agente de seguros de auto y hogar con licencia

  • Más de 4 años trabajando en creación de contenidos y marketing

Como editor de seguros de hogar y mascotas de Insurify, Danny también se especializa en aseguranzas de carro. Su objetivo es ayudar a los consumidores a navegar el mundo complejo de la compra de seguros.

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Daytona Beach drivers pay, on average, $163 per month for liability car insurance, which is higher than the national average of $107 but lower than the state average of $158 per month.

Drivers in Daytona Beach have a high risk of property damage from severe weather during hurricane season between June and November, which likely increases average rates.

Here's what you need to know about finding cheap car insurance in Daytona Beach, including how to compare quotes and coverage options.

Datos Breves
  • State Farm, Mile Auto, and GEICO have the cheapest liability insurance in Daytona Beach on average.

  • The average monthly cost of full-coverage insurance is $192 in the U.S., $219 in Florida, and $208 in Daytona Beach.

  • Florida is a no-fault insurance state that requires drivers to maintain $10,000 in personal injury protection (PIP) coverage.

3 of the cheapest car insurance companies in Daytona Beach

Many Daytona Beach insurers offer auto rates cheaper than the city average. Whether you qualify for the lowest available rates depends on multiple factors, including your driving record, credit score, the car you drive, and more.[1]

It’s important to consider factors beyond price when selecting an insurer, however. Your coverage needs, the company’s financial stability, and other features may affect your decision. The average quotes provided below reflect statewide insurance costs in Florida.

Insurance Company
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
State Farm9.3$103$93Full coverage
Hugo6.3N/A$394Pay-per-mile insurance
GEICO9.2$150$144Teen drivers
  • Insurify utiliza un método interno y patentado para calificar y revisar las mejores compañías de seguros de auto. El puntaje de calidad de Insurify (IQ) utiliza más de 15 criterios cruciales para calcular nuestra calificación final de una empresa incluyendo: el promedio de las primas, la satisfacción del cliente, los descuentos ofrecidos, las calificaciones de terceros y más. Los criterios se ponderan según su importancia para el consumidor. Factores como las opiniones de los clientes y la asequibilidad influyen en la puntuación más que la disponibilidad y las valoraciones de terceros. Con nuestra puntuación IQ, Insurify puede proporcionar calificaciones cuantitativas a los conductores para que puedan comparar mejor las compañías de seguros de auto y tomar decisiones informadas para satisfacer sus necesidades de cobertura.

Best insurer for full coverage: State Farm

User Reviews
4.1
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.
$96/mes
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.
$103/mes
4.1
Best choiceBased on 11,365 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,074)
Thomas
Verified Review
Car insurance rip-off!
Reviewed in New Jersey on julio de 2025
My family has been driving for over 70 years. Dad has had 1 accident, Mom no accidents, me 2 accidents not my fault, and my son no accidents. No accident claims with State Farm, which we have had for over 20 years, but rates keep going up. We bundle 2 vehicles and homeowners, but can't find a company that will reduce our monthly premium.
Shawn
Verified Review
I like State Farm overall but I do not like their rates and their customer service
Reviewed in Oregon on julio de 2025
The agent is not attentive.
Christine
Verified Review
It's Real and Affordable!
Reviewed in West Virginia on julio de 2025
State Farm is great! Prices! What you need! Understanding and will help you save! Customer service is awesome!
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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 aaa (exceptional) to c (poor).
A++
Why we picked this company

State Farm is a well-established insurance company that earned strong marks for financial stability from credit rating agency AM Best.[2] The insurer offers multiple ways for customers to save on a wide range of standardized auto insurance coverages.

It earned the highest customer satisfaction score in Florida in J.D. Power’s 2023 U.S. Auto Insurance Study.[3] And the company logged fewer than the average number of customer complaints in 2022, according to the National Association of Insurance Commissioners (NAIC).[4]

Ventajas
  • Strong financial stability

  • Extensive network of agents in Florida

  • High IQ Score compared to other insurers

Contras
  • Doesn’t offer specialty coverages

  • Gap insurance not available

  • Accident forgiveness not available

Best insurer for pay-per-mile insurance: Hugo

User Reviews
4.1
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.
$394/mes
4.1
Best choiceBased on 154 verified guest 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 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 For
Micropayments
No down payments
Fast coverage
Reviews (57)
Andrea
Verified Review
Excellent
Reviewed in Georgia on abril de 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on abril de 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
Rebekah
Verified Review
Never Able to Speak with Customer Service, So I Switched!
Reviewed in Georgia on marzo de 2025
I was never able to speak with someone, so I switched!
See all Hugo reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
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 aaa (exceptional) to c (poor).
NR
Why we picked this company

Founded in 2016, Hugo is a relative newcomer to the insurance industry. Unlike traditional insurers with policy terms of six or 12 months, you can buy coverage from Hugo for as little as three days at a time.

With Hugo, you pay a flat daily rate on days you drive and nothing on days you don’t. You can buy additional days of coverage or cancel your policy at any time, and your days never expire. Hugo earned 4.8 out of 5 stars on Trustpilot.[5]

Ventajas
  • You can pause and unpause coverage from your phone

  • Micropayments allow for easy budgeting

  • Policyholders can buy more days of coverage at any time

Contras
  • May not be the most affordable option for daily drivers

  • Limited policy customization options

  • Only available in 13 states

Best insurance for teen drivers: 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.
$144/mes
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.
$146/mes
4.0
Best choiceBased on 12,054 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,448)
Helaine
Verified Review
Pros and Cons of GEICO
Reviewed in New Jersey on julio de 2025
Great customer service. Very helpful if you’ve had an accident. The policy is too expensive, although the cost is less than other insurers.
Talitha
Verified Review
Save 15%? Nope, they charge 50% more!
Reviewed in Arizona on julio de 2025
Great, until you actually have to file a claim, then your premiums are increased regularly. I have been with Geico for 10 years, and after replacing my windshield once, followed by an accident that wasn't my fault, my insurance rate effectively doubled. What started out at $84/month for full coverage has become $167+. Ridiculous, especially since I have an excellent driving record. Then their partner, Travelers, dropped my renter's policy, despite me having a storage unit that needed coverage, after I became homeless due to not being able to find affordable and safe housing (I have MCS). I'm changing providers, effective tomorrow, and have saved $489+ on a 6-month policy. So much for saving 15% or more with Geico... they actually charge more than 50% more than my new provider with the exact same coverage.
Arlene
Verified Review
The Gecko Rules
Reviewed in California on julio de 2025
They are a 5-star company all the way around and have the lowest rates out of the six I have looked at.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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 aaa (exceptional) to c (poor).
A++
Why we picked this company

GEICO provides low rates for teen drivers, especially compared to the average cost in the city. It also offers various ways for teens to save, including discounts for driver training programs and good student discounts. GEICO has an A++ rating from AM Best and below-average customer complaints on the NAIC complaint index.

Ventajas
  • Many discounts for teens

  • Competitive rates for drivers with a violation

  • Offers accident forgiveness

Contras
  • Limited local agent availability

  • Gap insurance not available

  • Has lower customer satisfaction rates than some other insurers

Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

How to get the cheapest car insurance in Daytona Beach

Insurance companies consider many factors when determining auto rates. Here are a few ways to get the cheapest car insurance and  keep your premiums manageable:

  • Review discount options. Check out available discounts from multiple insurers to find out where you can save the most money. “Most companies have an advanced quote discount not a lot of people know about,” says Lauren McKenzie, insurance agent at A Plus Insurance. “It kicks in when you establish a policy start date in the future.”

  • Pay your bills on time. Your credit score is one of many factors insurers may use to determine your premium. People with lower credit scores typically have higher rates than those with good scores.[6]

  • Shop around. Insurers often have proprietary formulas for determining rates. Different companies may weigh rating criteria differently. To find the best rates, compare quotes from multiple insurance companies.

  • Stick around. “Once you have auto insurance, don’t jump around too much between companies,” McKenzie says. “Keep your insurance in force for at least six full months,” she advises. “Having continuous coverage for six months will earn you a discount if you switch companies.”

Cheapest liability-only car insurance in Daytona Beach: State Farm

Liability insurance covers other people’s injuries when you’re at fault in an accident. It also helps cover repair costs to their vehicle. It doesn’t cover your own medical bills or damage to your car, however.[7]

The average cost of liability-only insurance in Daytona Beach is $163 per month. Check out the table below to see how much different insurers charge for a liability-only policy in Daytona Beach.

The below rates are estimated rates current as of: miércoles, 30 de julio, 12:00 p.m. GMT-7
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$96
Mile Auto$115
GEICO$144
Direct Auto$153
Progressive$161
Mercury$167
Allstate$167
Infinity$188
Foremost$196
Travelers$199
Bristol West$202
Root$206
The General$216
National General$219
GAINSCO$222
AssuranceAmerica$309
Liberty Mutual$415
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest full-coverage car insurance in Daytona Beach: State Farm

Full coverage car insurance includes collision and comprehensive coverage as well as liability insurance.

Collision coverage pays for damage to your vehicle that results from an accident with another car or a collision with a stationary object, such as a guardrail or a tree. Comprehensive coverage pays for non-accident-related damage to your vehicle. This may include damage from severe weather, falling objects, animal infestations, and more.

Full coverage is usually a good idea if you drive a new car or can’t cover the cost of repairs out of pocket. If you have an auto loan or lease, the lender or leasing company will likely require you to maintain full coverage. 

On average, full-coverage insurance in Daytona Beach costs $208 per month. Compare quotes below.

The below rates are estimated rates current as of: miércoles, 30 de julio, 12:00 p.m. GMT-7
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$103
GEICO$146
Mile Auto$153
Allstate$179
Mercury$209
Travelers$213
Progressive$224
National General$230
Direct Auto$254
Infinity$269
Bristol West$275
The General$294
Foremost$322
Root$322
GAINSCO$345
Liberty Mutual$430
AssuranceAmerica$434
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Las tarifas más baratas encontradas recientemente en Florida

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $32/mes para solo responsabilidad y $76/mes para cobertura total en Florida.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 30 de julio de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 30 de julio de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 30 de julio de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 30 de julio de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Car insurance requirements in Florida

Florida drivers must maintain property damage liability (PDL) and personal injury protection (PIP) coverage. PDL helps pay to repair damages you cause to someone else’s property. PIP pays 80% of your medical bills after an accident — Florida requires at least $10,000.[8] Since Florida is a no-fault state, each driver’s insurance company pays for their injuries, no matter who is at fault.[9]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Personal injury protection (PIP)$10,000
Property damage liability$10,000

While PIP and PDL are the only coverages Florida requires, you may want to consider adding other optional coverages, such as:

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

    Collision

    Collision pays for damage to your vehicle if you’re in a crash with another car or stationary object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    Comprehensive covers non-accident-related damage to your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Bodily injury liability

    Liability insurance pays for other people’s injuries if you’re at fault in an accident.

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

    Uninsured/underinsured motorist

    This coverage pays for your injuries (beyond what PIP covers) and repairs to your vehicle if you’re in an accident and an uninsured or underinsured driver is at fault. 

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Add-ons

    Most insurers offer various additional protections for specific circumstances, such as rental car reimbursement, gap coverage, roadside assistance, and customized parts and equipment coverage.

“We recommend $100K/$300K for bodily injury and $100K for property damage,” says Sandy Dunn, president of Dunn & Associates Insurance. “Opting for lower policy limits will reduce your premium, but it also increases your financial risk. What I tell people is if you’re satisfied with a $50K/$100K, then, anything above that, [you’re] self-insured on.” 

“We recommend you look at stacked uninsured motorist [coverage] because of the numerous people [who] are driving around without adequate coverage,” says Dunn. “With stacked coverage, you can combine the bodily injury limits of multiple vehicles. But you can’t combine property damage limits.”

Learn More: Minimum Car Insurance Requirements by State

Learn More: Minimum Car Insurance Requirements by State

Cheapest car insurance for drivers with an incident

Drivers with at-fault accidents, speeding tickets, DUIs, and other moving violations on their records typically pay higher rates than drivers with clean records. The severity of the rate increase varies based on the infraction.

The average monthly cost of car insurance in Daytona Beach for drivers with a past incident is $163 for liability coverage and $208 for full coverage.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Getting a speeding ticket could cost you more in car insurance, but rates vary by insurer. For Daytona Beach drivers with a past speeding ticket, the average cost of liability coverage is $184 per month.

Take a look at the table below to see how speeding affects liability-only rates at different insurance companies in Daytona Beach.

The below rates are estimated rates current as of: miércoles, 30 de julio, 12:00 p.m. GMT-7
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$96$111
Mile Auto$115$129
GEICO$144$174
Direct Auto$153$181
Progressive$161$182
Mercury$167$214
Allstate$167$195
Infinity$188$226
Foremost$196$234
Travelers$199$236
Bristol West$202$240
Root$206$255
The General$216$269
National General$219$256
GAINSCO$222$249
AssuranceAmerica$309$350
Liberty Mutual$415$495
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Drivers with at-fault accidents on their records generally pay more for insurance coverage than drivers without an accident. On average, Daytona Beach drivers with a past accident pay $205 per month for liability insurance.

The table below shows how different Daytona Beach insurance companies handle rate increases for a liability-only policy after an at-fault accident.

The below rates are estimated rates current as of: miércoles, 30 de julio, 12:00 p.m. GMT-7
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$96$120
Mile Auto$115$146
GEICO$144$171
Direct Auto$153$198
Progressive$161$202
Mercury$167$232
Allstate$167$209
Infinity$188$234
Foremost$196$250
Travelers$199$252
Bristol West$202$256
Root$206$255
The General$216$284
National General$219$274
GAINSCO$222$272
AssuranceAmerica$309$368
Liberty Mutual$415$530
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for drivers with a DUI: State Farm

Driving under the influence increases your likelihood of getting in an accident. If you get behind the wheel after drinking — and get caught — not only will you lose your license for at least six months, you can expect a hefty increase in your auto insurance rates.

The average cost of liability car insurance for Daytona Beach drivers with a past DUI pay $201 per month.

Check out the table below to see how much a liability-only policy costs after a DUI.

The below rates are estimated rates current as of: miércoles, 30 de julio, 12:00 p.m. GMT-7
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$96$132
Mile Auto$115$158
GEICO$144$198
Direct Auto$153$211
Progressive$161$198
Mercury$167$229
Allstate$167$230
Infinity$188$259
Foremost$196$270
Travelers$199$274
Bristol West$202$278
Root$206$284
The General$216$297
National General$219$301
GAINSCO$222$306
AssuranceAmerica$309$425
Liberty Mutual$415$571
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for seniors: State Farm

In general, insurance rates decrease as you gain more driving experience but typically go back up once you hit your 70s. On average, senior drivers in Daytona Beach pay $143 per month for liability coverage and $182 for full-coverage insurance.

Check out the table below to see the average auto insurance rates for seniors through different companies in Daytona Beach.

The below rates are estimated rates current as of: miércoles, 30 de julio, 12:00 p.m. GMT-7
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$76$82
Mile Auto$90$119
GEICO$114$116
Direct Auto$122$202
Infinity$136$195
Allstate$137$147
Mercury$140$175
Progressive$141$196
Travelers$159$170
Bristol West$167$227
Foremost$168$277
National General$171$179
Root$175$273
The General$177$240
GAINSCO$187$291
AssuranceAmerica$242$340
Liberty Mutual$350$363
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for teens: State Farm

Teens and adults younger than 25 typically pay more for car insurance than older drivers. Their lack of experience behind the wheel increases their chances of getting in an accident, which insurers consider when setting rates.

But teens have ways to save on auto insurance:

  1. Stay on your parents’ car insurance policy for as long as possible. It’s usually cheaper.

  2. Drive a car with a high safety rating. You may qualify for a discount if your car has certain types of safety equipment.

  3. Take advantage of good student discounts and other discounts for teens and families.

The average monthly cost of auto coverage for teen drivers is $281 per month for liability and $359 for full coverage.

The table below to see the different rates Daytona Beach insurance companies charge teens for a liability-only policy. 

The below rates are estimated rates current as of: miércoles, 30 de julio, 12:00 p.m. GMT-7
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$176$189
Mile Auto$229$305
GEICO$249$252
Progressive$277$386
Direct Auto$291$483
Mercury$302$379
Allstate$317$340
Infinity$339$486
Root$348$544
Bristol West$350$476
The General$358$487
Foremost$361$593
Travelers$382$409
GAINSCO$401$624
National General$431$452
AssuranceAmerica$593$833
Liberty Mutual$725$751
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Find Cheap Car Insurance

LIability quotes start at $96/mo

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Daytona Beach car insurance quotes by credit tier

In Florida, insurance companies may consider your credit history when determining your eligibility and rates. Insurers use information from consumer credit reports to generate insurance-based credit scores to help predict the likelihood that you’ll file a claim.

In general, people with excellent or good credit history receive lower rates than people with poor credit history. Check out the table below to see the average monthly quotes for full-coverage insurance by credit tier.

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 Daytona Beach?

Car insurance in Daytona Beach is more expensive than the national average but less than the average cost in Florida. The average cost of insurance in Daytona Beach is $163 per month for liability insurance and $208 for full-coverage insurance.

For comparison, the monthly average cost of coverage in Florida is $158 for liability and $219 for full coverage. The national average cost of insurance is $107 for liability and $192 for full coverage.

Rates vary widely across Florida, but drivers in the state face high rates due to the risk of property damage from hurricanes and tropical storms. For example, auto insurance rates in Tampa and West Palm Beach are much higher than in Daytona Beach, but premiums in Fort Myers are only slightly higher. This is why it’s so crucial to compare car insurance quotes before buying.

“The accident and claim frequency in your ZIP code significantly influence the rate you pay,” says Brian Van Winkle, a licensed insurance agent at Dunn & Associates Insurance in Daytona Beach.

“In areas where insurance companies pay out more money to cover claims, insurance rates are typically higher. To help recoup, they have to raise insurance premiums for everybody in that whole area to help with their loss ratio,” McKenzie says.

See More: The 10 Best and Worst Car Insurance Comparison Sites

See More: The 10 Best and Worst Car Insurance Comparison Sites

More cities in Florida 

Daytona Beach is one of the more affordable cities for auto insurance in Florida. Check out the table below to see how average rates in Daytona Beach compare to other Florida cities.

City
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Cape Coral$146$212
Fort Lauderdale$192$253
Fort Myers$149$206
Jacksonville$154$223
Miami$203$280
Naples$139$200
Orlando$175$230
Panama City$139$176
Saint Petersburg$166$224
Tampa$214$285
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Check Out: Car Insurance Rates by State

Check Out: Car Insurance Rates by State

Daytona Beach car insurance FAQs

Before you start shopping around for auto coverage, you need to determine the right amount of car insurance for your needs. The following information should help answer your remaining questions about car insurance in Daytona Beach.

  • How much is car insurance in Daytona Beach?

    Liability-only coverage in Daytona Beach costs $163 per month, and full-coverage insurance costs $208 per month. Your exact premium will vary depending on your driving record, credit history, age, the insurer you choose, and much more.

  • Who has the cheapest car insurance in Daytona Beach?

    State Farm has the cheapest coverage in Daytona Beach, with an average liability rate of $96 per month.

    Mile Auto and GEICO also offer some of the most affordable coverage, with average liability rates of $115 and $144, respectively. You should compare multiple quotes side by side before deciding on your policy to make sure you find the most affordable coverage for your needs.

  • What are the best car insurance companies in Daytona Beach?

    State Farm is the best car insurance company in Daytona Beach, with an Insurify Quality Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and low rates. The average cost of auto coverage from State Farm in Florida is $93 per month for liability coverage and $103 for full coverage.

    Other top insurers include GEICO, the best option for teen drivers, and Hugo, the best option for pay-per-mile insurance.

  • What factors affect the cost of car insurance in Daytona Beach?

    Like any other city or state, factors like your driving record, age, ZIP code, and more will affect the cost of car insurance in Daytona Beach. Make sure to drive safely, keep your driving record clean, and apply for discounts to keep your auto insurance rates low.

    If you want even lower rates, shop around and compare car insurance quotes from multiple insurance companies.

  • How much auto insurance do you need in Florida?

    Drivers in Florida need to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage (PDL). You should also consider purchasing bodily injury liability, collision, and comprehensive coverage for more thorough protection, especially if you drive frequently.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Business Wire. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Its Subsidiaries."
  3. J.D. Power. "2023 U.S. Auto Insurance Study."
  4. National Association of Insurance Commissioners. "State Farm Mut Auto Ins Co National Complaint Index Report."
  5. Trustpilot. "Hugo Insurance."
  6. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
  7. Insurance Information Institute. "Auto Insurance Basics."
  8. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  9. NOLO. "Florida No-Fault Car Insurance."
Jennifer Brozic
Jennifer Brozic

Jennifer Brozic is a content marketing writer, specializing in the financial services and insurance industries. She's committed to helping her clients create content that inspires people to take action. Her areas of expertise include insurance, financial planning & budgeting, building credit, loans, credit cards and more. 

Danny Smith
Editado porDanny SmithEscritor de seguros
Photo of an Insurify author
Danny SmithEscritor de seguros
  • Agente de seguros de auto y hogar con licencia

  • Más de 4 años trabajando en creación de contenidos y marketing

Como editor de seguros de hogar y mascotas de Insurify, Danny también se especializa en aseguranzas de carro. Su objetivo es ayudar a los consumidores a navegar el mundo complejo de la compra de seguros.

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