Cheapest Auto Insurance in Daytona Beach, Florida (2026)

Daytona Beach drivers pay, on average, $132 per month for liability car insurance, which is higher than the national average of $97 but lower than the state average of $135 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.

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	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.	Full Coverage	Liability Only	Best For
State Farm	9.3	$144	$103	Full coverage
Hugo	6.3	N/A	$251	Pay-per-mile insurance
GEICO	9.2	$203	$117	Teen drivers

• Puntuación de calidad de Insurify (IQ)

  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

full coverage

Compare Quotes

User Reviews	4.0 7,345 reviews
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.	$103/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.	$144/mes

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Driver Reviews

4.0

Best choiceBased on 16,800 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

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

Showing 75 Florida reviews for Daytona Beach driversSee all 7,345 State Farm reviews

Edward

Verified Review

State Farm

Reviewed in Florida on 6 de abril de 2026

Their rates are climbing way too rapidly. They are going to price me out of doing business with them.

James

Verified Review

State Farm

Reviewed in Florida on 4 de abril de 2026

Even with high deductibles, it is still pricey.

Eugene

Verified Review

State Farm is a Great Company to Deal With

Reviewed in Florida on 2 de abril de 2026

I have been dealing with State Farm for over 50 years and will continue with them.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

650

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]

Pros

• Strong financial stability

• Extensive network of agents in Florida

• High IQ Score compared to other insurers

Cons

• Doesn’t offer specialty coverages

• Gap insurance not available

• Accident forgiveness not available

Best insurer for pay-per-mile insurance: Hugo

pay-per-mile

Compare Quotes

User Reviews	4.6 67 reviews
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.	$251/mes

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Driver Reviews

4.6

Best choiceBased on 205 verified driver reviews and ratings

	Hugo's score	Industry average
Coverage options	3.6	3.2
Customer service	3.1	3.6
Discounts	3.7	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

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

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Best For

Micropayments

No down payments

Fast coverage

Showing recent national reviewsSee all 67 Hugo reviews

Donita

Verified Purchase

Excellent

Reviewed in Illinois on 2 de abril de 2026

They are convenient for most of your needs! They have great prices for what you're looking for.

Shelbi

Verified Purchase

Hugo Helps in a Flash

Reviewed in Illinois on 21 de marzo de 2026

I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.

Quincy

Verified Purchase

Great news

Reviewed in Pennsylvania on 18 de marzo de 2026

I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

Not rated

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]

Pros

• You can pause and unpause coverage from your phone

• Micropayments allow for easy budgeting

• Policyholders can buy more days of coverage at any time

Cons

• 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

teen drivers

Compare Quotes

User Reviews	3.9 7,581 reviews
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.	$117/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.	$202/mes

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Driver Reviews

3.9

A solid optionBased on 17,081 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

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

Showing 75 Florida reviews for Daytona Beach driversSee all 7,581 GEICO reviews

Julie

Verified Review

Goodbye Geico!

Reviewed in Florida on 7 de abril de 2026

Not sure why I had to pay so much (around $135/month) for the minimum coverage (PIP). That is why I shopped around and finally switched to Progressive, which is slightly cheaper.

Mary

Verified Review

Excellent

Reviewed in Florida on 6 de abril de 2026

I've been with this insurance company for more than 8 years.

Scott

Verified Review

Horrible experience with getting a quote

Reviewed in Florida on 6 de abril de 2026

I spent two days trying to get a quote and was quoted three different rates. I was also incorrectly told that I had an accident on my record.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

629

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.

Pros

• Many discounts for teens

• Competitive rates for drivers with a violation

• Offers accident forgiveness

Cons

• Limited local agent availability

• Gap insurance not available

• Has lower customer satisfaction rates than some other insurers

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: Progressive

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 $132 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 in Daytona Beach, FL, are estimated rates current as of: domingo, 5 de abril, 5:00 p. m. GMT-7. 

Insurance Company	Average Monthly Quote
Progressive	$95
Mile Auto	$103
State Farm	$103
Clearcover	$106
GEICO	$117
Dairyland	$121
Embark	$131
Infinity	$133
Mercury	$147
Direct Auto	$148
GAINSCO	$151
The General	$159
Bristol West	$171
Root	$178
Allstate	$179
AssuranceAmerica	$183
National General	$183
Travelers	$213
Mendota	$277
First Acceptance	$290
Liberty Mutual	$290
Liberty Mutual	$290

Disclaimer: Table data sourced from real-time Daytona Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Daytona Beach may vary based on the policy buyer's unique driver profile.

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 $218 per month. Compare quotes below.

The below rates in Daytona Beach, FL, are estimated rates current as of: domingo, 5 de abril, 5:00 p. m. GMT-7. 

Insurance Company	Average Monthly Quote
State Farm	$144
Progressive	$161
Mile Auto	$166
Mercury	$197
GEICO	$202
National General	$212
Clearcover	$220
Direct Auto	$223
Bristol West	$239
Allstate	$250
Infinity	$251
The General	$262
Embark	$285
Root	$287
AssuranceAmerica	$288
Travelers	$297
GAINSCO	$307
Liberty Mutual	$328
Liberty Mutual	$328
Dairyland	$341
First Acceptance	$371
Mendota	$378

Disclaimer: Table data sourced from real-time Daytona Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Daytona Beach may vary based on the policy buyer's unique driver profile.

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	Minimum Requirements
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:

Collision

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



Comprehensive

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



Bodily injury liability

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



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. 



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.”

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 $132 for liability coverage and $218 for full coverage.

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Cheapest car insurance for drivers with a speeding ticket: Progressive

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 $154 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 in Daytona Beach, FL, are estimated rates current as of: domingo, 5 de abril, 5:00 p. m. GMT-7. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$95	$111
Mile Auto	$103	$122
State Farm	$103	$126
Clearcover	$106	$131
Dairyland	$121	$145
GEICO	$117	$148
Embark	$131	$153
Infinity	$133	$164
GAINSCO	$151	$174
Direct Auto	$148	$180
Mercury	$147	$197
The General	$159	$206
Bristol West	$171	$209
AssuranceAmerica	$183	$225
Allstate	$179	$225
Root	$178	$230
Travelers	$213	$267
Mendota	$277	$323
First Acceptance	$290	$339
Liberty Mutual	$290	$357
Liberty Mutual	$290	$357

Disclaimer: Table data sourced from real-time Daytona Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Daytona Beach may vary based on the policy buyer's unique driver profile.

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

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 $168 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 in Daytona Beach, FL, are estimated rates current as of: domingo, 5 de abril, 5:00 p. m. GMT-7. 

Insurance Company	Clean Driving Record	With Accident
Progressive	$95	$121
State Farm	$103	$134
Mile Auto	$103	$137
Clearcover	$106	$149
GEICO	$117	$151
Dairyland	$121	$157
Embark	$131	$167
Infinity	$133	$173
GAINSCO	$151	$190
Direct Auto	$148	$198
The General	$159	$215
Mercury	$147	$217
Bristol West	$171	$222
Root	$178	$235
Allstate	$179	$236
AssuranceAmerica	$183	$239
Travelers	$213	$282
Mendota	$277	$353
First Acceptance	$290	$370
Liberty Mutual	$290	$378
Liberty Mutual	$290	$378

Disclaimer: Table data sourced from real-time Daytona Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Daytona Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

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 $175 per month.

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

The below rates in Daytona Beach, FL, are estimated rates current as of: domingo, 5 de abril, 5:00 p. m. GMT-7. 

Insurance Company	Clean Driving Record	With DUI
Progressive	$95	$126
Mile Auto	$103	$142
State Farm	$103	$142
Clearcover	$106	$147
GEICO	$117	$160
Dairyland	$121	$167
Embark	$131	$173
Infinity	$133	$184
Direct Auto	$148	$205
GAINSCO	$151	$209
The General	$159	$212
Mercury	$147	$215
Bristol West	$171	$236
Allstate	$179	$247
Root	$178	$248
AssuranceAmerica	$183	$253
Travelers	$213	$294
Mendota	$277	$367
First Acceptance	$290	$384
Liberty Mutual	$290	$401
Liberty Mutual	$290	$401

Disclaimer: Table data sourced from real-time Daytona Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Daytona Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Progressive

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 $119 per month for liability coverage and $196 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 in Daytona Beach, FL, are estimated rates current as of: domingo, 5 de abril, 5:00 p. m. GMT-7. 

Insurance Company	Liability Only	Full Coverage
State Farm	$83	$116
Mile Auto	$83	$134
Progressive	$86	$145
GEICO	$95	$164
Clearcover	$96	$199
Infinity	$99	$186
Dairyland	$105	$295
Embark	$118	$257
Mercury	$120	$160
Direct Auto	$124	$187
GAINSCO	$132	$268
The General	$138	$228
Bristol West	$146	$204
AssuranceAmerica	$147	$231
Allstate	$149	$208
Root	$152	$246
Travelers	$174	$243
Liberty Mutual	$247	$279
Liberty Mutual	$247	$279
Mendota	$249	$340
First Acceptance	$261	$334

Disclaimer: Table data sourced from real-time Daytona Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Daytona Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

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 $225 per month for liability and $372 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 in Daytona Beach, FL, are estimated rates current as of: domingo, 5 de abril, 5:00 p. m. GMT-7. 

Insurance Company	Liability Only	Full Coverage
Progressive	$162	$275
Clearcover	$169	$350
State Farm	$195	$272
Dairyland	$204	$574
GEICO	$206	$355
Mile Auto	$207	$334
Infinity	$222	$419
Embark	$224	$487
Mercury	$261	$350
GAINSCO	$264	$536
The General	$277	$456
Direct Auto	$280	$421
Bristol West	$294	$412
Root	$301	$485
Allstate	$345	$482
AssuranceAmerica	$369	$580
Travelers	$433	$604
Mendota	$473	$645
Liberty Mutual	$493	$558
Liberty Mutual	$493	$558
First Acceptance	$495	$633

Disclaimer: Table data sourced from real-time Daytona Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Daytona Beach may vary based on the policy buyer's unique driver profile.

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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.

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 $132 per month for liability insurance and $218 for full-coverage insurance.

For comparison, the monthly average cost of coverage in Florida is $135 for liability and $217 for full coverage. The national average cost of insurance is $97 for liability and $183 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.

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	Liability Only	Full Coverage
Cape Coral	$127	$203
Fort Lauderdale	$172	$246
Fort Myers	$136	$208
Jacksonville	$141	$220
Miami	$184	$272
Naples	$121	$198
Orlando	$161	$239
Panama City	$110	$182
Saint Petersburg	$141	$218
Tampa	$187	$272

Disclaimer: Table data is based on real-time Daytona Beach quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Daytona Beach car insurance FAQs