Best Cheap Auto Insurance in Ocala, FL (2021)

The average Ocala, FL auto insurance rates are $318 per month. The minimum auto insurance in Ocala is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Ocala, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember

  • The average commute length in Ocala is 20.4 minutes
  • The most expensive auto insurance company in Ocala for teen drivers is Allstate
  • The cheapest auto insurance company in Ocala is USAA

Ocala, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Ocala can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Ocala, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Ocala to other Florida cities, including Tallahassee auto insurance rates, St. Petersburg auto insurance rates, and Orlando auto insurance rates to see how Ocala, Florida auto insurance rates stack up.

Before you buy Ocala, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ocala, Florida auto insurance quotes.

Minimum Auto Insurance in Ocala, Florida

Ocala, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ocala, Florida.

Minimum Required Auto Insurance Coverage in Ocala, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Ocala, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ocala, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ocala, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,669 $3,515 $3,194 $3,246 $12,379 $13,384 $3,690 $3,752
GEICO $2,739 $2,748 $2,566 $2,566 $4,884 $6,097 $3,012 $3,046
Liberty Mutual $2,786 $2,786 $2,566 $2,566 $5,711 $8,711 $2,786 $3,721
Nationwide $2,455 $2,428 $2,199 $2,273 $5,857 $7,216 $2,700 $2,812
Progressive $3,333 $3,142 $2,868 $3,075 $9,379 $10,282 $4,005 $3,864
State Farm $1,682 $1,682 $1,530 $1,530 $4,824 $6,149 $1,861 $1,997
USAA $1,318 $1,296 $1,232 $1,221 $4,482 $5,201 $1,642 $1,770

Cheap Ocala, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Ocala, Florida is a challenge. Take a look at the annual teen auto insurance rates in Ocala, Florida.

Annual Auto Insurance Rates for Teen Drivers in Ocala, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,379 $13,384
GEICO $4,884 $6,097
Liberty Mutual $5,711 $8,711
Nationwide $5,857 $7,216
Progressive $9,379 $10,282
State Farm $4,824 $6,149
USAA $4,482 $5,201

Cheap Ocala, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Ocala, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Ocala, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,194 $3,246
GEICO $2,566 $2,566
Liberty Mutual $2,566 $2,566
Nationwide $2,199 $2,273
Progressive $2,868 $3,075
State Farm $1,530 $1,530
USAA $1,232 $1,221

Cheap Ocala, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Ocala, Florida compared to the annual auto insurance rates with a clean record in Ocala, Florida.

Annual Ocala, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,066 $6,040 $6,698 $5,610
GEICO $2,404 $3,077 $4,586 $3,763
Liberty Mutual $2,898 $3,713 $5,310 $3,896
Nationwide $2,994 $3,275 $4,384 $3,317
Progressive $3,950 $5,829 $4,903 $5,291
State Farm $2,434 $2,880 $2,657 $2,657
USAA $1,779 $2,195 $3,242 $1,865

Cheap Ocala, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Ocala, Florida is not easy. Compare the annual rates for DUI auto insurance in Ocala, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Ocala, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,698
GEICO $4,586
Liberty Mutual $5,310
Nationwide $4,384
Progressive $4,903
State Farm $2,657
USAA $3,242

Cheap Ocala, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Ocala, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Ocala, Florida

Insurance Company Poor Fair Good
Allstate $8,176 $5,176 $4,208
GEICO $5,040 $3,047 $2,286
Liberty Mutual $5,050 $3,746 $3,067
Nationwide $4,360 $3,211 $2,906
Progressive $6,499 $4,623 $3,859
State Farm $3,612 $2,389 $1,970
USAA $3,691 $1,807 $1,314

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Cheap Ocala, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Ocala, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Ocala, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Ocala, Florida

ZIP Code Average Annual Rates
34470 $2,967
34471 $2,984
34472 $2,971
34473 $2,974
34474 $2,984
34475 $2,910
34476 $2,931
34479 $2,941
34480 $2,924
34481 $2,924
34482 $2,897

Cheap Ocala, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Ocala, Florida auto insurance. Find the cheapest annual Ocala, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Ocala, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,686 $6,021
GEICO $3,441 $3,474
Liberty Mutual $3,832 $4,077
Nationwide $3,492 $3,492
Progressive $4,993 $4,993
State Farm $2,569 $2,745
USAA $2,245 $2,296

Cheap Ocala, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Ocala, Florida? Check out the comparison of annual Ocala, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Ocala, Florida

Insurance Company Low Medium High
Allstate $4,624 $6,131 $6,805
GEICO $2,783 $3,583 $4,006
Liberty Mutual $3,636 $4,007 $4,220
Nationwide $2,788 $3,626 $4,063
Progressive $4,226 $5,104 $5,651
State Farm $2,267 $2,718 $2,985
USAA $1,970 $2,348 $2,493

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Best By Category: Cheapest Auto Insurance in Ocala, Florida

Compare the cheapest auto insurance companies in Ocala, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Ocala, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Ocala, Florida Auto Insurance Companies

What auto insurance companies in Ocala, Florida are the cheapest? Compare the top Ocala, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Ocala, Florida

Insurance Company Average Annual Rates
Allstate $5,853
GEICO $3,457
Liberty Mutual $3,954
Nationwide $3,492
Progressive $4,993
State Farm $2,657
USAA $2,270

What affects auto insurance rates in Ocala, Florida?

There are a lot of reasons why auto insurance rates in Ocala, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Ocala, Florida. Many local factors may affect your Ocala auto insurance rates.

Ocala Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Ocala, Florida auto theft statistics, there have been 179 auto thefts in the city.

Ocala Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ocala, Florida commute length is 20.4 minutes according to City-Data.

Ocala Traffic

How does Ocala, Florida rank for traffic? According to Inrix Ocala, Florida is the 807th most congested worldwide.

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Compare Ocala, Florida Auto Insurance Quotes

Before you buy Ocala, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Ocala, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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