6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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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Cheapest recent rates near Ocala, Florida
Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $84/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 May 14, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 May 14, 2024. 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 May 14, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 May 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Ocala is home to 600 horse farms, and drivers in the so-called "Horse Capital of the World" pay an overall average of $219 per month for car insurance. This is lower than the statewide average of $256 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, GEICO, and Hugo have the cheapest car insurance in Ocala.
Liability insurance in Ocala costs an average of $178 per month, and full coverage costs $260 per month.
Ocala has rates cheaper than many Florida cities, including Orlando, Tampa, and Miami.
3 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.
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
Hugo
3.5
$105
$77
Teens and seniors
State Farm
4.6
$82
$70
People with a clean driving record
GEICO
4.4
$84
$72
People with a poor driving record
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.
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.
3.3
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
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.
$66/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.
$74/mo
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.
I loved the pay options, such as daily, weekly, etc. That was great! However, if I wanted comprehensive or collision coverage, they don't offer it in Indiana.
Stephanie - April 21, 2024
Verified
Bad Business
My car's registration has been suspended because Hugo failed to report to the state that I have insurance.
Best insurer for people with a clean driving record: State Farm
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.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$59/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.
$68/mo
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
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.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$61/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.
$70/mo
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
My policy keeps increasing due to my credit score. I had to file for bankruptcy because of high medical bills. I've found the same policy at a cheaper rate, just like my brother did. I am planning to switch.
Chauncy - May 13, 2024
Verified
Too Expensive
They are expensive and I had a hard time removing a relative from my policy.
…
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.
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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 $178 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
59
GEICO
61
Hugo
66
Allstate
103
Safeco
113
Mile Auto
115
Travelers
122
Mercury
127
Liberty Mutual
134
Direct Auto
137
Midvale Home & Auto
152
Progressive
155
Infinity
174
Foremost
182
Dairyland
185
AssuranceAmerica
202
Bristol West
239
National General
266
The General
273
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $260 per month. Here, you can compare full-coverage rates from several insurers.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
68
GEICO
70
Hugo
74
Allstate
119
Travelers
143
Mercury
150
Safeco
154
Mile Auto
159
GAINSCO
187
Infinity
203
Liberty Mutual
205
Midvale Home & Auto
219
Direct Auto
220
Progressive
220
National General
268
Foremost
269
AssuranceAmerica
275
Dairyland
329
Bristol West
341
The General
388
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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.
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 $68 for drivers with an incident
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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 $211 per month for liability coverage, on average.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
59
69
GEICO
61
72
Hugo
66
82
Allstate
103
120
Safeco
113
135
Mile Auto
115
146
Travelers
122
144
Mercury
127
161
Liberty Mutual
134
175
Direct Auto
137
163
Midvale Home & Auto
152
185
Progressive
155
182
Infinity
174
213
Foremost
182
237
Dairyland
185
218
AssuranceAmerica
202
243
Bristol West
239
277
National General
266
347
The General
273
324
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $228 for liability coverage.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
59
74
GEICO
61
77
Hugo
66
80
Allstate
103
129
Safeco
113
137
Mile Auto
115
160
Travelers
122
154
Mercury
127
170
Liberty Mutual
134
185
Direct Auto
137
177
Midvale Home & Auto
152
202
Progressive
155
199
Infinity
174
215
Foremost
182
251
Dairyland
185
233
AssuranceAmerica
202
255
Bristol West
239
295
National General
266
331
The General
273
351
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $264 per month for liability coverage with a DUI on their record and $386 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
59
93
GEICO
61
96
Hugo
66
104
Allstate
103
163
Safeco
113
178
Mile Auto
115
164
Travelers
122
193
Mercury
127
180
Liberty Mutual
134
211
Direct Auto
137
216
Midvale Home & Auto
152
240
Progressive
155
245
Infinity
174
275
Foremost
182
287
Dairyland
185
292
AssuranceAmerica
202
319
Bristol West
239
377
National General
266
420
The General
273
431
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $148 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
46
53
Hugo
47
53
GEICO
49
56
Allstate
83
96
Mile Auto
87
121
Safeco
91
124
Mercury
96
113
Travelers
96
112
Direct Auto
105
169
Liberty Mutual
106
162
Progressive
112
159
Midvale Home & Auto
116
167
Infinity
131
153
Foremost
142
210
Dairyland
149
264
AssuranceAmerica
154
209
Bristol West
192
274
National General
214
216
The General
224
319
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: GEICO
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 $273 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
GEICO
88
101
State Farm
92
106
Hugo
106
119
Allstate
166
192
Travelers
203
238
Mile Auto
206
285
Mercury
214
253
Safeco
223
304
Direct Auto
232
372
Liberty Mutual
232
354
Midvale Home & Auto
245
353
Progressive
260
368
Dairyland
286
508
Infinity
295
345
Foremost
297
439
AssuranceAmerica
348
473
Bristol West
374
534
The General
405
576
National General
458
461
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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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 $219 per month, significantly higher than the national monthly average of $159. 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.
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.
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 $178 per month for liability coverage and $260 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 4.6 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by GEICO, with an IQ Score of 4.4 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 $59 per month. GEICO and Hugo also offer lower rates in the area, with respective monthly rates of $61 and $66.
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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
flrules.org. "Use of Credit Reports and Credit Scores by Insurers."
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.
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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