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 $99 but lower than the Florida average of $165 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$116	$106	Full coverage
Hugo	6.3	N/A	$202	Pay-per-mile insurance
GEICO	9.2	$179	$158	Teen drivers

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for full coverage: State Farm

full coverage

Compare Quotes

User Reviews	4.0 7,299 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/mo
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/mo

Details

Driver Reviews

4.0

Best choice in Daytona Beach, FLBased on 16,551 verified driver 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 in Daytona Beach 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 in Daytona Beach for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Daytona Beach drivers - See all 7,299 State Farm reviews

Robert

Verified Review

State Farm

Reviewed in Florida on March 30, 2026

State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.

Peter

Verified Review

Had enough.

Reviewed in Florida on March 28, 2026

Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.

Sylvia

Verified Review

State Farm is too expensive!

Reviewed in Florida on March 28, 2026

I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.

James

Verified Review

State Farm is the best

Reviewed in Florida on March 27, 2026

State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.

Jacquelyn

Verified Review

Evaluation

Reviewed in Florida on March 23, 2026

My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.

Barbara

Verified Review

Competitors Admit They Can’t Compete with SF Prices

Reviewed in Florida on March 22, 2026

Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.

Rebscca

Verified Review

State Farm

Reviewed in Florida on March 22, 2026

The folks at the State Farm office are awesome. However, the insurance is way too expensive.

Linda

Verified Review

Reasonable Rates

Reviewed in Florida on March 21, 2026

My current rate is much more reasonable than other companies.

Troy

Verified Review

Great service, price is a little high

Reviewed in Florida on March 21, 2026

It's a little expensive.

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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.

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 A++ (exceptional) to D (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 66 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.	$202/mo

Details

Driver Reviews

4.6

Best choice in Daytona Beach, FLBased on 202 verified driver 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 in Daytona Beach 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 in Daytona Beach for

Micropayments

No down payments

Fast coverage

Showing recent national reviews - See all 66 Hugo reviews

Shelbi

Verified Purchase

Hugo Helps in a Flash

Reviewed in Illinois on March 21, 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 March 18, 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.

Angela

Verified Purchase

Affordable

Reviewed in Texas on February 2, 2026

Love that you can pay it freely by the day, week, or month.

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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.

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 A++ (exceptional) to D (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	4.0 7,536 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/mo
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/mo

Details

Driver Reviews

4.0

Best choice in Daytona Beach, FLBased on 16,802 verified driver 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 in Daytona Beach 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 in Daytona Beach for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Daytona Beach drivers - See all 7,536 GEICO reviews

Pamala

Verified Review

Mostly Happy with Geico 😏

Reviewed in Florida on March 28, 2026

I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.

Jeffrey

Verified Review

Dump Geico, Go to Progressive

Reviewed in Florida on March 28, 2026

Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.

William

Verified Review

Excellent

Reviewed in Florida on March 26, 2026

I like them, but they're just too expensive.

Laura

Verified Review

Paying Too Much

Reviewed in Florida on March 21, 2026

Paying for a no-fault accident.

Gerald

Verified Review

Shop for insurance

Reviewed in Florida on March 21, 2026

Check around for lower prices.

Joseph

Verified Review

Great

Reviewed in Florida on March 21, 2026

Great customer support.

Jeff

Verified Review

Doubling my premium

Reviewed in Florida on March 20, 2026

I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.

Thelma

Verified Review

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Reviewed in Florida on March 19, 2026

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Patricia

Verified Purchase

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

Reviewed in Florida on March 12, 2026

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

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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.

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 A++ (exceptional) to D (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: Tuesday, March 31 at 12:00 PM PDT. 

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

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: Tuesday, March 31 at 12:00 PM PDT. 

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
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 $153 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: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$95	$110
Mile Auto	$103	$121
State Farm	$103	$126
GEICO	$117	$148
Dairyland	$121	$146
Embark	$131	$152
Infinity	$133	$163
Mercury	$147	$198
Direct Auto	$148	$178
GAINSCO	$151	$173
The General	$159	$205
Bristol West	$171	$207
Root	$178	$229
Allstate	$179	$225
AssuranceAmerica	$183	$224
National General	$183	$219
Travelers	$213	$267
Mendota	$277	$321
First Acceptance	$290	$337
Liberty Mutual	$290	$355

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 $166 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: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Progressive	$95	$120
Mile Auto	$103	$136
State Farm	$103	$133
GEICO	$117	$149
Dairyland	$121	$157
Embark	$131	$165
Infinity	$133	$168
Mercury	$147	$217
Direct Auto	$148	$197
GAINSCO	$151	$189
The General	$159	$214
Bristol West	$171	$220
Root	$178	$232
Allstate	$179	$234
AssuranceAmerica	$183	$238
National General	$183	$237
Travelers	$213	$280
Mendota	$277	$349
First Acceptance	$290	$366
Liberty Mutual	$290	$377

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 $187 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: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Progressive	$95	$135
Mile Auto	$103	$150
State Farm	$103	$150
GEICO	$117	$168
Dairyland	$121	$176
Embark	$131	$186
Infinity	$133	$193
Mercury	$147	$222
Direct Auto	$148	$215
GAINSCO	$151	$219
The General	$159	$231
Bristol West	$171	$248
Root	$178	$259
Allstate	$179	$260
AssuranceAmerica	$183	$266
National General	$183	$266
Travelers	$213	$309
Mendota	$277	$393
First Acceptance	$290	$411
Liberty Mutual	$290	$421

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: Mile Auto

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: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Mile Auto	$83	$133
State Farm	$83	$116
Progressive	$85	$145
GEICO	$95	$164
Infinity	$100	$188
Dairyland	$104	$294
Embark	$118	$256
Mercury	$120	$161
Direct Auto	$122	$184
GAINSCO	$131	$266
The General	$136	$225
Bristol West	$145	$203
AssuranceAmerica	$146	$230
National General	$147	$170
Allstate	$148	$207
Root	$152	$245
Travelers	$174	$242
Liberty Mutual	$247	$280
Mendota	$249	$339
First Acceptance	$260	$333

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 $228 per month for liability and $377 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: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Progressive	$164	$278
State Farm	$196	$273
Dairyland	$202	$570
GEICO	$204	$353
Mile Auto	$208	$335
Embark	$227	$493
Infinity	$242	$457
Mercury	$266	$357
GAINSCO	$269	$547
The General	$272	$448
Direct Auto	$278	$419
Bristol West	$298	$416
Root	$300	$483
Allstate	$347	$484
National General	$363	$421
AssuranceAmerica	$372	$586
Travelers	$434	$605
Mendota	$479	$654
Liberty Mutual	$499	$564
First Acceptance	$501	$642

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 $165 for liability and $204 for full coverage. The national average cost of insurance is $99 for liability and $173 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	$207
Jacksonville	$141	$220
Miami	$184	$272
Naples	$121	$198
Orlando	$161	$239
Panama City	$110	$179
Saint Petersburg	$141	$218
Tampa	$187	$271

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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