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

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Ormond Beach, FL for senior drivers are $2,424/year
  • The cheapest car insurance company in Ormond Beach for teen drivers is GEICO
  • The cheapest car insurance company in Ormond Beach after a DUI is State Farm

Average car insurance rates in Ormond Beach, Florida are $333 a month. But with a little research you can get a great deal from the top car insurance companies in Ormond Beach, FL. Before you buy Ormond Beach, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Ormond Beach car insurance rates with Fort Lauderdale car insurance rates, Orlando car insurance rates, or St. Petersburg car insurance rates to make sure you’re getting the best Ormond Beach, FL car insurance quotes available.

Need affordable Ormond Beach, FL car insurance? Enter your ZIP code to compare Ormond Beach car insurance quotes from multiple car insurance companies near you.

Ormond Beach, FL Minimum Car Insurance Coverage

Ormond Beach, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Ormond Beach, Florida

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

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Ormond Beach, FL Car Insurance Rates by Coverage Level

Some Ormond Beach drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Ormond Beach, Florida car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Ormond Beach, Florida

Insurance Company Low Medium High
Allstate $4,888 $6,745 $7,571
GEICO $2,680 $3,402 $3,772
Liberty Mutual $4,290 $4,787 $5,054
Nationwide $2,745 $3,612 $4,067
Progressive $4,010 $4,916 $5,483
State Farm $2,460 $2,965 $3,254
USAA $2,103 $2,526 $2,686

Ormond Beach, FL Car Insurance Rates by Age, Gender, and Marital Status

Ormond Beach, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ormond Beach, FL car insurance, get quotes from multiple car insurance companies in the Ormond Beach area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ormond Beach, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,894 $3,762 $3,415 $3,489 $13,701 $15,014 $3,929 $4,006
GEICO $2,601 $2,615 $2,433 $2,433 $4,619 $5,802 $2,865 $2,914
Liberty Mutual $3,276 $3,276 $3,006 $3,006 $6,868 $10,554 $3,276 $4,425
Nationwide $2,447 $2,417 $2,190 $2,264 $5,823 $7,167 $2,690 $2,799
Progressive $3,227 $3,048 $2,784 $2,972 $9,009 $9,811 $3,876 $3,699
State Farm $1,824 $1,824 $1,657 $1,657 $5,275 $6,719 $2,026 $2,164
USAA $1,411 $1,386 $1,319 $1,307 $4,823 $5,602 $1,760 $1,899

Ormond Beach, FL Car Insurance Rates for Teens

How much is Ormond Beach, Florida car insurance for teens? Compare rates from top Ormond Beach car insurance companies below to help find the cheapest teen car insurance in Ormond Beach, FL.

Annual Car Insurance Rates for Teen Drivers in Ormond Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,701 $15,014
GEICO $4,619 $5,802
Liberty Mutual $6,868 $10,554
Nationwide $5,823 $7,167
Progressive $9,009 $9,811
State Farm $5,275 $6,719
USAA $4,823 $5,602

Ormond Beach, FL Car Insurance Rates for Seniors

Before seniors buy Ormond Beach, Florida car insurance, they should make sure to shop around. Some Ormond Beach, FL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Ormond Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,415 $3,489
GEICO $2,433 $2,433
Liberty Mutual $3,006 $3,006
Nationwide $2,190 $2,264
Progressive $2,784 $2,972
State Farm $1,657 $1,657
USAA $1,319 $1,307

Ormond Beach, FL Car Insurance Rates by Credit History

How does your credit history affect Ormond Beach, FL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Ormond Beach, Florida

Insurance Company Poor Fair Good
Allstate $8,923 $5,667 $4,614
GEICO $4,762 $2,902 $2,191
Liberty Mutual $6,055 $4,456 $3,621
Nationwide $4,338 $3,194 $2,892
Progressive $6,269 $4,439 $3,701
State Farm $3,948 $2,597 $2,134
USAA $3,955 $1,944 $1,416

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Ormond Beach, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Ormond Beach, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ormond Beach.

Annual Ormond Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,514 $6,596 $7,364 $6,131
GEICO $2,304 $2,930 $4,337 $3,570
Liberty Mutual $3,404 $4,412 $6,389 $4,638
Nationwide $2,975 $3,258 $4,367 $3,298
Progressive $3,803 $5,600 $4,725 $5,085
State Farm $2,647 $3,139 $2,893 $2,893
USAA $1,908 $2,356 $3,487 $2,001

Ormond Beach, FL Car Insurance Rates With a DUI

Even a single DUI can increase your Ormond Beach, FL car insurance rates. Compare rates below to see which Ormond Beach car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Ormond Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,364
GEICO $4,337
Liberty Mutual $6,389
Nationwide $4,367
Progressive $4,725
State Farm $2,893
USAA $3,487

Ormond Beach, FL Car Insurance Rates by ZIP Code

Just like Ormond Beach car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ormond Beach, FL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Ormond Beach, Florida

ZIP Code Average Annual Rates
32174 $3,064
32176 $3,111

Ormond Beach, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Ormond Beach, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Ormond Beach companies based on commute time.

Annual Car Insurance Rates by Commute Length in Ormond Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,218 $6,585
GEICO $3,269 $3,301
Liberty Mutual $4,560 $4,861
Nationwide $3,475 $3,475
Progressive $4,803 $4,803
State Farm $2,794 $2,992
USAA $2,411 $2,466

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Ormond Beach, FL Cheapest Car Insurance Rates

How do the top Ormond Beach, Florida car insurance companies’ average rates stack up against the Ormond Beach average monthly car insurance rates of $333? Take a look and see.

Best Annual Car Insurance Rates by Company in Ormond Beach, Florida

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

Ormond Beach, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Ormond Beach, Florida car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Ormond Beach, Florida

Insurance Company Average Annual Rates
Allstate $6,401
GEICO $3,285
Liberty Mutual $4,711
Nationwide $3,475
Progressive $4,803
State Farm $2,893
USAA $2,438

Other Factors Affecting Ormond Beach, FL Car Insurance Rates

Before you buy Ormond Beach, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Ormond Beach, FL Car Theft Rates

The car theft rate in Ormond Beach, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Ormond Beach, Florida is 95 stolen cars.

Ormond Beach, FL Commute Time

How does your Ormond Beach, FL commute time compare with the average driver? In Ormond Beach, the average commute is 22.5 minutes.

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Ormond Beach, FL Car Insurance Quotes

Compare Ormond Beach, FL car insurance quotes from multiple companies by entering your ZIP code now.