Cheapest Auto Insurance in Ocala, Florida (2025)
State Farm offers the cheapest car insurance in Ocala, with rates starting at $86 per month.
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Table of contents
Ocala is home to 600 horse farms, and drivers in the so-called "Horse Capital of the World" pay an overall average of $165 per month for car insurance. This is lower than the statewide average of $189 per month.
Ocala’s small population size of just over 65,000 could contribute to its lower car insurance costs compared to the rest of the Sunshine State.
Here’s what you should know about comparing quotes and finding the cheapest car insurance in Ocala.
Quick Facts
State Farm, Mile Auto, and GEICO have the cheapest car insurance in Ocala.
Liability insurance in Ocala costs an average of $139 per month, and full coverage costs $191 per month.
Ocala has rates cheaper than many Florida cities, including Orlando, Tampa, and Miami.
7 of the cheapest car insurance companies in Ocala
The cheapest car insurance companies in Ocala include many well-known national insurers. But the best company for you will depend on your unique driver profile, how much coverage you need, and what rates you can afford. When shopping, compare quotes from multiple insurers to get the best rate.
 |  |  |  |  |  |  |
|---|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $76/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $102/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $148/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $138/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $180/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $169/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $197/mo* |
Overall rating 4.9 | Overall rating 4.1 | Overall rating 4.0 | Overall rating 4.3 | Overall rating 3.7 | Overall rating 3.8 | Overall rating 3.3 |
Value for money 4.9/5 | Value for money 3.8/5 | Value for money 3.8/5 | Value for money 4.0/5 | Value for money 3.2/5 | Value for money 3.6/5 | Value for money 3.4/5 |
Customer service 4.7/5 | Customer service 4.1/5 | Customer service 3.9/5 | Customer service 4.1/5 | Customer service 3.7/5 | Customer service 3.8/5 | Customer service 3.3/5 |
Claims handling 4.9/5 | Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 4.4/5 | Claims handling 3.5/5 | Claims handling 4.0/5 | Claims handling 3.4/5 |
Special highlight Members of the military communityAI-generated from 1203 user reviews | Special highlight Customer serviceAI-generated from 6074 user reviews | Special highlight Teen driversAI-generated from 6448 user reviews | Special highlight Usage-based savingsAI-generated from 487 user reviews | Special highlight Business auto coverageAI-generated from 10 user reviews | Special highlight Bundling discountsAI-generated from 1182 user reviews | Special highlight Competitive ratesAI-generated from 6972 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for teens and seniors: Hugo
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $394/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. | $NaN/mo |
4.1
Best choiceBased on 154 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (57)
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on April 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
Rebekah
Verified Review
Never Able to Speak with Customer Service, So I Switched!
Reviewed in Georgia on March 2025
I was never able to speak with someone, so I switched!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Florida is one of the limited states where Hugo is available. It’s a pay-as-you-drive insurer that minimizes fees and offers drivers packages that let them pause their coverage when they don’t drive. Hugo sells polices for as short as three days. This unique option makes it a good choice for teens and seniors who don’t drive often, though it only offers liability and full-coverage policies.
Pros
Ideal for limited driving
Flexible payments
Cons
Minimum “Flex” plan not available in Florida
Limited optional coverages
Best insurer for people with a clean driving record: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/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. | $92/mo |
4.1
Best choiceBased on 11,365 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,074)
Thomas
Verified Review
Car insurance rip-off!
Reviewed in New Jersey on July 2025
My family has been driving for over 70 years. Dad has had 1 accident, Mom no accidents, me 2 accidents not my fault, and my son no accidents. No accident claims with State Farm, which we have had for over 20 years, but rates keep going up. We bundle 2 vehicles and homeowners, but can't find a company that will reduce our monthly premium.
Shawn
Verified Review
I like State Farm overall but I do not like their rates and their customer service
Reviewed in Oregon on July 2025
The agent is not attentive.
Christine
Verified Review
It's Real and Affordable!
Reviewed in West Virginia on July 2025
State Farm is great! Prices! What you need! Understanding and will help you save! Customer service is awesome!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Offering some of the lowest average quotes in Ocala, State Farm is a good choice for drivers with a clean record. State Farm policyholders enjoy low premiums because of the insurer’s diverse savings options. The Steer Clear and Drive Safe & Save programs reward safe driving habits, while other discounts and bundling opportunities can further decrease costs.
Pros
Above-average J.D. Power score
High IQ Score
Cons
Low Better Business Bureau (BBB) customer score
Drive Safe & Save feature can increase rates at renewal
Best insurer for people with a poor driving record: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $128/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. | $130/mo |
4.0
Best choiceBased on 12,054 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,448)
Helaine
Verified Review
Pros and Cons of GEICO
Reviewed in New Jersey on July 2025
Great customer service. Very helpful if you’ve had an accident. The policy is too expensive, although the cost is less than other insurers.
Talitha
Verified Review
Save 15%? Nope, they charge 50% more!
Reviewed in Arizona on July 2025
Great, until you actually have to file a claim, then your premiums are increased regularly. I have been with Geico for 10 years, and after replacing my windshield once, followed by an accident that wasn't my fault, my insurance rate effectively doubled. What started out at $84/month for full coverage has become $167+. Ridiculous, especially since I have an excellent driving record. Then their partner, Travelers, dropped my renter's policy, despite me having a storage unit that needed coverage, after I became homeless due to not being able to find affordable and safe housing (I have MCS). I'm changing providers, effective tomorrow, and have saved $489+ on a 6-month policy. So much for saving 15% or more with Geico... they actually charge more than 50% more than my new provider with the exact same coverage.
Arlene
Verified Review
The Gecko Rules
Reviewed in California on July 2025
They are a 5-star company all the way around and have the lowest rates out of the six I have looked at.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
A well-known national brand, GEICO offers personalized auto coverage options, including uninsured and underinsured motorist coverage, medical payments coverage, and emergency roadside assistance. GEICO offers some of the lowest prices in Ocala for drivers with one at-fault accident, speeding ticket, or DUI. Defensive driving courses and employee discounts can help you lower your rate.
Pros
A++ AM Best rating
Offers a variety of employment and membership discounts
Cons
High-risk drivers pay higher premiums
No gap insurance
How to get the cheapest car insurance in Ocala
Along with driver profile factors, things like bundling multiple policies, the level of coverage you have, and your deductible limit can all influence your rate. Here are three tips to consider when shopping for cheap car insurance in Ocala:
Investigate low-mileage discounts. Many discounts are available from insurers, but low-mileage discounts may be ideal for drivers like teens or seniors who don’t drive often or far.
Consider group insurance offerings. Your place of work or professional association might offer group insurance policies; these organizations might be able to get you a lower premium than you could on your own.
Shop around. Comparing quotes from multiple insurers is the best way to find the cheapest car insurance in Ocala; this includes shopping around before you sign up for a policy and reviewing competitors’ quotes during your term.
Find Cheap Car Insurance in Ocala
Liability rates start at $86 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Ocala: State Farm
Liability-only car insurance reimburses other people for damages or injuries you’re at fault for in an accident.[1] Each state has its own minimum insurance requirements; a liability-only policy written in Ocala will cover Florida’s minimum mandated coverage levels for drivers. In most cases, liability-only coverage is cheaper than full coverage.
The average rate for a liability-only policy in Ocala is $139 per month, and you can see a collection of rates available from top companies in the table below.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $86 |
| Mile Auto | $102 |
| GEICO | $128 |
| Direct Auto | $136 |
| Progressive | $143 |
| Mercury | $149 |
| Allstate | $149 |
| Infinity | $168 |
| Foremost | $175 |
| Travelers | $177 |
| Bristol West | $180 |
| Root | $183 |
| The General | $193 |
| National General | $196 |
| GAINSCO | $198 |
| Dairyland | $256 |
| AssuranceAmerica | $276 |
| Liberty Mutual | $370 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Ocala: State Farm
Full-coverage car insurance typically costs more than liability-only insurance, but its additional coverage can be beneficial. Unlike liability-only policies, these plans usually feature coverage for your property when you hit an object or flip over, called collision coverage, and coverage for damages from fire, weather, floods, and vandalism, known as comprehensive coverage.[2]
The average rate for a full-coverage policy in Ocala is $191 per month. Here, you can compare full-coverage rates from several insurers.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $92 |
| GEICO | $130 |
| Mile Auto | $136 |
| Allstate | $160 |
| Mercury | $187 |
| Travelers | $190 |
| Progressive | $200 |
| National General | $205 |
| Direct Auto | $226 |
| Infinity | $240 |
| Bristol West | $245 |
| The General | $262 |
| Foremost | $287 |
| Root | $287 |
| GAINSCO | $307 |
| Liberty Mutual | $383 |
| AssuranceAmerica | $387 |
| Dairyland | $458 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Ocala, Florida
Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $76/mo for full coverage in Ocala and other Florida cities.
*Quotes generated for Insurify users in and around Ocala, Florida within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Ocala, Florida within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Florida is a no-fault state, meaning that all parties in an accident must report a bodily injury claim to their insurer, regardless of who’s at fault. That’s why Florida’s minimum requirements for car insurance include personal injury protection (PIP), which is required in all no-fault states.[3]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection (PIP) | $10,000 |
| Property damage liability (PDL) | $10,000 |
While PDL and PIP are the only required coverages drivers need in Florida, you could benefit from investing in optional coverages like:
Bodily injury liability
Bodily injury liability (BIL) covers death or injury to others during an accident when the other driver is somewhat at fault. BIL coverage is required for drivers in Florida with DUIs.
Uninsured/underinsured motorist
Uninsured/underinsured motorist insurance covers your injuries and damages if an uninsured or underinsured driver hits you.
Rental reimbursement
This covers expenses related to renting a car while your car is inoperable.
Cheapest car insurance for drivers with an incident
You’ll likely find the best prices from insurers when you have a clean driving record. At-fault accidents, speeding tickets, DUIs, and other moving violations will likely increase your premiums, even if it’s your first offense.
Find Car Insurance in Ocala, FL
Monthly rates start at $98 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Drivers with speeding tickets or other violations typically pay more for car insurance than drivers with clean records. Your insurer may increase your premiums based on how fast you were going over the speed limit or how many citations you’ve received in the past.
Drivers in Ocala with a speeding ticket pay $157 per month for liability coverage, on average.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $86 | $100 |
| Mile Auto | $102 | $115 |
| GEICO | $128 | $154 |
| Direct Auto | $136 | $161 |
| Progressive | $143 | $162 |
| Mercury | $149 | $191 |
| Allstate | $149 | $174 |
| Infinity | $168 | $202 |
| Foremost | $175 | $209 |
| Travelers | $177 | $210 |
| Bristol West | $180 | $214 |
| Root | $183 | $226 |
| The General | $193 | $240 |
| National General | $196 | $229 |
| GAINSCO | $198 | $222 |
| Dairyland | $256 | $301 |
| AssuranceAmerica | $276 | $312 |
| Liberty Mutual | $370 | $442 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Even when an accident doesn’t result in injury or death, such as getting in a fender bender or jumping a curb, your insurer may still raise your rates afterward. These accidents could affect your premiums for three to five years after you file a claim.
Ocala residents with an accident on their record can pay a monthly average of $175 for liability coverage.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $86 | $107 |
| Mile Auto | $102 | $130 |
| GEICO | $128 | $152 |
| Direct Auto | $136 | $176 |
| Progressive | $143 | $180 |
| Mercury | $149 | $207 |
| Allstate | $149 | $186 |
| Infinity | $168 | $209 |
| Foremost | $175 | $223 |
| Travelers | $177 | $224 |
| Bristol West | $180 | $228 |
| Root | $183 | $227 |
| The General | $193 | $254 |
| National General | $196 | $245 |
| GAINSCO | $198 | $243 |
| Dairyland | $256 | $323 |
| AssuranceAmerica | $276 | $328 |
| Liberty Mutual | $370 | $472 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Getting a DUI can raise your car insurance costs significantly. Drivers in Ocala pay $171 per month for liability coverage with a DUI on their record and $235 per month for full coverage.
Not only does a DUI put you and others on the road at risk, but it can stay on your record for 75 years in Florida.[4]
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $86 | $118 |
| Mile Auto | $102 | $140 |
| GEICO | $128 | $176 |
| Direct Auto | $136 | $187 |
| Progressive | $143 | $176 |
| Mercury | $149 | $205 |
| Allstate | $149 | $205 |
| Infinity | $168 | $231 |
| Foremost | $175 | $241 |
| Travelers | $177 | $244 |
| Bristol West | $180 | $248 |
| Root | $183 | $252 |
| The General | $193 | $266 |
| National General | $196 | $270 |
| GAINSCO | $198 | $273 |
| Dairyland | $256 | $352 |
| AssuranceAmerica | $276 | $380 |
| Liberty Mutual | $370 | $509 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Read More: The 10 Best Car Insurance Companies
Cheapest car insurance for seniors: State Farm
Florida has an increasingly high population of senior drivers age 65 and older compared to the rest of the nation.[5] While quotes for middle-aged adults are typically lower in their 30s and 40s, they often increase as drivers enter their 70s. Even though older adults are safe drivers, physical impairments can increase the risk of crashes, which is why premiums are often higher.
Seniors in Ocala pay an average of $122 per month for liability car insurance. Explore other rates for senior drivers in the table below.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $68 | $73 |
| Mile Auto | $79 | $106 |
| GEICO | $102 | $103 |
| Direct Auto | $108 | $180 |
| Infinity | $122 | $174 |
| Allstate | $122 | $131 |
| Mercury | $125 | $156 |
| Progressive | $125 | $175 |
| Travelers | $141 | $152 |
| Bristol West | $149 | $203 |
| Foremost | $150 | $247 |
| National General | $153 | $160 |
| Root | $155 | $243 |
| The General | $158 | $214 |
| GAINSCO | $167 | $259 |
| Dairyland | $211 | $377 |
| AssuranceAmerica | $216 | $303 |
| Liberty Mutual | $312 | $323 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Florida teenagers have a higher rate of fatal crashes than older adults; their likelihood of accidents also triples with peers in their cars. Teen driver insurance is often much more expensive because of this increased risk — about $240 per month for liability coverage in Ocala — but you can still save money on your policy.[6]
Staying on a parent’s insurance policy could yield discounted rates. Teens with their own insurance policies should drive cars with high safety ratings and apply for good student discounts. Most importantly, teens should follow the law, drive safely, and minimize the chances of being involved in an accident or traffic violation.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $158 | $169 |
| Mile Auto | $203 | $271 |
| GEICO | $221 | $225 |
| Progressive | $246 | $345 |
| Direct Auto | $259 | $430 |
| Mercury | $270 | $339 |
| Allstate | $283 | $304 |
| Infinity | $303 | $433 |
| Root | $309 | $485 |
| Bristol West | $312 | $424 |
| The General | $320 | $434 |
| Foremost | $323 | $529 |
| Travelers | $340 | $365 |
| GAINSCO | $358 | $555 |
| National General | $385 | $403 |
| Dairyland | $411 | $735 |
| AssuranceAmerica | $530 | $743 |
| Liberty Mutual | $646 | $669 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Ocala, FL
Check quotes from 120+ top insurance companies
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Ocala car insurance quotes by credit tier
Florida allows insurers to consider your credit history when determining your premium.[7] Although it’s just one of many factors influencing premiums, credit-based insurance scores usually help drivers with excellent or good credit scores get better rates on average than drivers with poor credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Ocala?
The average car insurance quote in Ocala is $165 per month, significantly higher than the national monthly average of $149. Mark Friedlander, director of corporate communications for the Insurance Information Institute, notes that insurers price policies based on local factors, such as the cost of repairs, accident frequency, vehicle theft, and vandalism rates.
“Vehicle owners who live in sparse communities like Ocala will typically see better average rates than those who live in a large municipality like Miami,” says Friedlander.
More cities in Florida
The table below shows how car insurance rates in Ocala compare to some other cities in the Sunshine State.
City | Full Coverage | Liability Only |
|---|---|---|
| Cape Coral | $212 | $146 |
| Clearwater | $197 | $162 |
| Fort Lauderdale | $253 | $192 |
| Jacksonville | $223 | $154 |
| Miami | $280 | $203 |
| Orlando | $230 | $175 |
| Pensacola | $198 | $128 |
| Tallahassee | $202 | $142 |
| Tampa | $285 | $214 |
| Winter Haven | $213 | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Check Out: Car Insurance Rates by State
Ocala car insurance FAQs
Finding the right car insurance can be challenging. Check out the answers to some commonly asked questions about car insurance in Ocala.
How much is car insurance in Ocala?
Drivers in Ocala pay $139 per month for liability coverage and $191 per month for full coverage. Your average rates ultimately depend on your driving record, credit history, marital status, age, location, and more.
What are the best car insurance companies in Ocala?
State Farm is the best car insurance company in Ocala, with an IQ Score of 9.3 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by GEICO, with an IQ Score of 9.2 and an AM Best financial strength rating of A++ (Superior).
Which company has the cheapest car insurance in Ocala?
State Farm offers the cheapest car insurance in Ocala, with liability rates starting at $86 per month. Mile Auto and GEICO also offer lower rates in the area, with respective monthly rates of $102 and $128.
What factors affect the cost of car insurance in Ocala?
Like in any city, factors like your ZIP code, driving record, age, credit score, and more affect the cost of car insurance in Ocala. Make sure to drive safely, keep your driving record clean, and maintain a strong credit score to keep your auto insurance premiums low. If you want to lower them even further, shop around for car insurance quotes and ask about discounts.
How much insurance do you need in Florida?
The liability insurance requirements in Florida are $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Auto insurance jargon buster."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Florida Highway Safety and Motor Vehicles. "Questions About Driving Records."
- Florida Department of Transportation. "Safe Mobility for Life Program."
- Florida Department of Transportation. "The 100 Deadliest Days for Teen Drivers."
- flrules.org. "Use of Credit Reports and Credit Scores by Insurers."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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