Cheapest Auto Insurance in Daytona Beach, Florida (2026)
State Farm has the cheapest liability coverage in Daytona Beach, with an average rate of $76/mo.
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Role.editor: Danny SmithEscritor de seguros
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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, $136 per month for liability car insurance, which is higher than the national average of $99 but lower than the state average of $142 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, Clearcover, and Progressive have the cheapest liability insurance in Daytona Beach on average.
The average monthly cost of full-coverage insurance is $187 in the U.S., $236 in Florida, and $216 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 | 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 | $127 | $81 | Full coverage |
| Hugo | 6.3 | N/A | $207 | Pay-per-mile insurance |
| GEICO | 9.2 | $190 | $92 | 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
| User Reviews | 4.2 |
|---|---|
| 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. | $76/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. | $119/mes |
4.2
Best choice in Daytona Beach, FLBased on 21,422 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 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 in Daytona Beach for
Showing 75 Florida reviews for Daytona Beach driversSee all 8,244 State Farm reviews
Verified Review
Reviewed in Florida on 20 de octubre de 2026
Too expensive.
Verified Review
Reviewed in Florida on 19 de octubre de 2026
The local office was very helpful.
Verified Review
Reviewed in Florida on 19 de octubre de 2026
There are cheaper alternatives out there. I’m currently looking at some to lower my monthly bill from $136.00.
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
| User Reviews | 4.7 |
|---|---|
| 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. | $191/mes |
4.7
Best choice in Daytona Beach, FLBased on 288 verified driver reviews and ratings
Hugo's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 4.2 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 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
Best in Daytona Beach for
Showing recent national reviewsSee all 94 Hugo reviews
Verified Purchase
Reviewed in Texas on 22 de octubre de 2026
I jumped from $21 a week to $35 in less than two months. I might as well go with the larger insurance companies.
Verified Purchase
Reviewed in Illinois on 18 de octubre de 2026
Very easy to use. The payment plans are wonderful, and the coverage plans are great.
Verified Purchase
Reviewed in Arkansas on 18 de octubre de 2026
It's been a great experience so far.
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
| 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. | 9.2 /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. | $87/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. | $179/mes |
4.1
Best choice in Daytona Beach, FLBased on 21,078 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 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 in Daytona Beach for
Showing 75 Florida reviews for Daytona Beach driversSee all 8,305 GEICO reviews
Verified Purchase
Reviewed in Florida on 20 de octubre de 2026
I wouldn’t change a thing. Clear and concise direction was provided.
Verified Review
Reviewed in Florida on 20 de octubre de 2026
My current car insurance company, Progressive, asked me to download their mobile app Snapshot. The app has recorded cellphone communication time on every trip I’ve made, but it’s 100% false. I’ve called Progressive after every trip. I’ve asked Progressive to verify that there was no communication with my cell phone provider, T-Mobile, but Progressive has refused every time. Instead, Progressive continues to record totally false data for cellphone call time. I suspect Progressive will later use this false cellphone communication data to increase my premium.
Verified Review
Reviewed in Florida on 20 de octubre de 2026
I was disappointed that I received a renewal amount that was $1,000 more than what was offered to me when I canceled my policy for a less expensive option with another company for the exact same coverage (and a lower deductible). They didn’t seem very concerned with customer retention. Disappointing.
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: 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 $136 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: miércoles, 21 de octubre, 7:44 a. m. GMT-7.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $76 |
| Clearcover | $83 |
| GEICO | $87 |
| Progressive | $87 |
| Mile Auto | $90 |
| Embark | $102 |
| Dairyland | $115 |
| Direct Auto | $115 |
| GAINSCO | $115 |
| Allstate | $116 |
| Mercury | $122 |
| The General | $122 |
| AssuranceAmerica | $127 |
| Bristol West | $129 |
| Insurify Car | $134 |
| National General | $142 |
| Travelers | $156 |
| Root | $161 |
| Hugo | $191 |
| First Acceptance | $200 |
| Liberty Mutual | $215 |
| Mendota | $216 |
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 $216 per month. Compare quotes below.
The below rates in Daytona Beach, FL, are estimated rates current as of: miércoles, 21 de octubre, 7:44 a. m. GMT-7.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $119 |
| Progressive | $135 |
| Allstate | $166 |
| Mile Auto | $166 |
| Mercury | $174 |
| GEICO | $179 |
| National General | $179 |
| Direct Auto | $184 |
| Bristol West | $195 |
| Clearcover | $204 |
| AssuranceAmerica | $226 |
| The General | $235 |
| Embark | $244 |
| Travelers | $247 |
| GAINSCO | $263 |
| Liberty Mutual | $280 |
| Root | $281 |
| Dairyland | $298 |
| First Acceptance | $298 |
| Mendota | $332 |
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.
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como ${{cheapestPrice}}/mes para {{cheapestCoverageLevel}} y ${{cheapestAltPrice}}/mes para {{cheapestAltCoverageLevel}} en Florida.
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $75/mes para solo responsabilidad y $108/mes para cobertura total en Florida.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 25 de octubre de 2026. 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 25 de octubre de 2026. 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 25 de octubre de 2026. 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 25 de octubre de 2026. 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 | 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 $136 for liability coverage and $216 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 $157 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: miércoles, 21 de octubre, 7:44 a. m. GMT-7.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $76 | $92 |
| Progressive | $87 | $101 |
| Clearcover | $83 | $101 |
| Mile Auto | $90 | $105 |
| GEICO | $87 | $110 |
| Embark | $102 | $118 |
| GAINSCO | $115 | $132 |
| Allstate | $116 | $134 |
| Dairyland | $115 | $137 |
| Direct Auto | $115 | $139 |
| Insurify Car | $134 | $155 |
| AssuranceAmerica | $127 | $155 |
| Bristol West | $129 | $157 |
| The General | $122 | $157 |
| Mercury | $122 | $162 |
| National General | $142 | $170 |
| Root | $161 | $184 |
| Travelers | $156 | $194 |
| Hugo | $191 | $221 |
| First Acceptance | $200 | $231 |
| Mendota | $216 | $250 |
| Liberty Mutual | $215 | $263 |
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: 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 $171 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: miércoles, 21 de octubre, 7:44 a. m. GMT-7.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $76 | $99 |
| Progressive | $87 | $109 |
| GEICO | $87 | $113 |
| Clearcover | $83 | $115 |
| Mile Auto | $90 | $119 |
| Embark | $102 | $128 |
| GAINSCO | $115 | $143 |
| Allstate | $116 | $146 |
| Dairyland | $115 | $148 |
| Direct Auto | $115 | $153 |
| The General | $122 | $163 |
| AssuranceAmerica | $127 | $165 |
| Bristol West | $129 | $167 |
| Insurify Car | $134 | $168 |
| Mercury | $122 | $177 |
| National General | $142 | $184 |
| Root | $161 | $197 |
| Travelers | $156 | $206 |
| Hugo | $191 | $240 |
| First Acceptance | $200 | $251 |
| Mendota | $216 | $271 |
| Liberty Mutual | $215 | $279 |
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: 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 $174 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: miércoles, 21 de octubre, 7:44 a. m. GMT-7.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $76 | $103 |
| Clearcover | $83 | $109 |
| Progressive | $87 | $112 |
| GEICO | $87 | $119 |
| Mile Auto | $90 | $122 |
| Embark | $102 | $131 |
| Allstate | $116 | $149 |
| Dairyland | $115 | $156 |
| Direct Auto | $115 | $156 |
| GAINSCO | $115 | $156 |
| The General | $122 | $161 |
| Insurify Car | $134 | $172 |
| AssuranceAmerica | $127 | $172 |
| Bristol West | $129 | $175 |
| Mercury | $122 | $176 |
| National General | $142 | $193 |
| Travelers | $156 | $212 |
| Root | $161 | $219 |
| Hugo | $191 | $245 |
| First Acceptance | $200 | $257 |
| Mendota | $216 | $277 |
| Liberty Mutual | $215 | $292 |
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: 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 $122 per month for liability coverage and $194 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: miércoles, 21 de octubre, 7:44 a. m. GMT-7.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $61 | $95 |
| GEICO | $71 | $145 |
| Mile Auto | $72 | $133 |
| Clearcover | $75 | $183 |
| Progressive | $78 | $121 |
| Embark | $92 | $220 |
| Direct Auto | $96 | $153 |
| Mercury | $98 | $140 |
| Dairyland | $99 | $257 |
| GAINSCO | $101 | $230 |
| AssuranceAmerica | $101 | $180 |
| Allstate | $104 | $149 |
| The General | $106 | $203 |
| Bristol West | $110 | $166 |
| National General | $114 | $144 |
| Travelers | $128 | $202 |
| Root | $151 | $264 |
| First Acceptance | $180 | $268 |
| Liberty Mutual | $182 | $237 |
| Mendota | $194 | $299 |
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: 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:
Stay on your parents’ car insurance policy for as long as possible. It’s usually cheaper.
Drive a car with a high safety rating. You may qualify for a discount if your car has certain types of safety equipment.
Take advantage of good student discounts and other discounts for teens and families.
The average monthly cost of auto coverage for teen drivers is $224 per month for liability and $356 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: miércoles, 21 de octubre, 7:44 a. m. GMT-7.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Clearcover | $128 | $313 |
| State Farm | $139 | $218 |
| Progressive | $143 | $222 |
| GEICO | $149 | $307 |
| Embark | $168 | $402 |
| Mile Auto | $175 | $324 |
| Dairyland | $187 | $485 |
| GAINSCO | $190 | $434 |
| Allstate | $191 | $273 |
| The General | $208 | $401 |
| Mercury | $210 | $299 |
| Direct Auto | $213 | $341 |
| Bristol West | $215 | $326 |
| Root | $228 | $398 |
| AssuranceAmerica | $249 | $443 |
| National General | $266 | $336 |
| Travelers | $307 | $486 |
| First Acceptance | $329 | $491 |
| Liberty Mutual | $355 | $463 |
| Mendota | $356 | $547 |
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.
Rates by Credit Tier
Excellent | Good | Fair | Poor | |
|---|---|---|---|---|
| Credit tier | $318 | $376 | $413 | $640 |
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 $136 per month for liability insurance and $216 for full-coverage insurance.
For comparison, the monthly average cost of coverage in Florida is $142 for liability and $236 for full coverage. The national average cost of insurance is $99 for liability and $187 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.
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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 | $142 | $197 |
| Fort Lauderdale | $183 | $258 |
| Fort Myers | $145 | $214 |
| Jacksonville | $148 | $225 |
| Miami | $203 | $280 |
| Naples | $129 | $198 |
| Orlando | $170 | $246 |
| Panama City | $118 | $184 |
| Saint Petersburg | $149 | $225 |
| Tampa | $197 | $279 |
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.
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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 $136 per month, and full-coverage insurance costs $216 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 $76 per month.
Clearcover and Progressive also offer some of the most affordable coverage, with average liability rates of $83 and $87, 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 $81 per month for liability coverage and $127 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.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Business Wire. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Its Subsidiaries."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- National Association of Insurance Commissioners. "State Farm Mut Auto Ins Co National Complaint Index Report."
- Trustpilot. "Hugo Insurance."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
- Insurance Information Institute. "Auto Insurance Basics."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- NOLO. "Florida No-Fault Car Insurance."
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.
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Role.writer: Jennifer Brozic
Role.writer: Jennifer Brozic
Author.qualifications:
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.
Role.editor: Danny SmithEscritor de seguros
Role.editor: Danny SmithEscritor de seguros
Author.qualifications:
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.