Affordable Car Insurance Rates in Ormond Beach, FL (2021)
Car insurance rates in Ormond Beach, FL are $333/month on average. By law, Florida drivers need to carry at least 10/20/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Ormond Beach car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.