The best car insurance in Ocala, FL

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By

Kacie Goff

Kacie Goff

Insurance Writer

Kacie Goff is an insurance writer for Policygenius. Over the last five years, she’s covered both personal and commercial coverage, with specializations in auto, home, renters, and life insurance. She runs her full-service content agency, Jot Content, from Ventura, CA.

Published October 20, 2021

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Ocala has a lot to offer, and that includes affordable auto insurance. While Florida drivers pay an average of $2,914 for their coverage, Ocala drivers’ policies ring in about $500 below that.

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If you want to make sure you’re scoring the best price on your car insurance, we can help. Use Policygenius to compare quotes from the leading insurance providers in your area to make sure you’re getting the right coverage at the right price.

Key Takeaways

  • On average, State Farm offers the cheapest auto insurance in Ocala — and they’re highly rated, too

  • Ocala drivers pay an average of $2,431 for a full coverage car insurance policy

  • No matter which insurance provider you choose, state law requires all Florida drivers to carry $10,000 of both property damage liability and personal injury protection (PIP) coverage

Cheapest car insurance companies in Ocala, FL

Insurance providers look at a bunch of unique-to-you factors when setting premiums, like the car you drive, the length of your commute, and your driving history.

Company

Average cost

JD Power Rating

State Farm

$1,294

881

GEICO

$1,381

871

Travelers

$1,970

861

Nationwide

$2,030

876

Mercury Insurance

$2,495

849

Cheapest car insurance rates by ZIP code in Ocala, FL

You may pay more for car insurance based on your ZIP code. That’s because insurance providers factor in things like local crime rates. If they determine that you’re more likely to file an auto insurance claim because of something specific about your neighborhood, they’ll charge you more for coverage.

ZIP code

Average cost

34470

$2,463

34471

$2,423

34472

$2,463

34473

$2,477

34474

$2,439

34475

$2,470

34476

$2,415

34479

$2,404

Choosing the right car insurance company in Ocala, FL

No matter your age, it can quite literally pay to shop around for insurance coverage. Comparing rates from multiple different companies allows you to see who can offer you the protection you need at the lowest price. 

And comparing quotes doesn’t have to be a big hassle, either. You can use Policygenius to do the legwork for you. All you need to do is put in your ZIP code to get started. We can even show you rates if you want to bundle your car insurance with your home insurance (hint: doing so can help you save even more).

Car insurance rates for drivers with driving violations in Ocala, FL

A serious violation like a DUI or at-fault accident can cause your car insurance costs to skyrocket (think: double). After something serious gets added to your motor vehicle report (MVR), insurers take note. A major infraction means they see you as a riskier driver. They’ll generally seriously increase your rates or, in some cases, they might cancel your coverage altogether. 

Violation

State Farm

GEICO

Travelers

Nationwide

Mercury Insurance

At-fault Accident

$1,511

$1,987

$2,665

$2,846

$4,114

DUI

$1,411

$2,562

$2,975

$4,262

$3,529

Driving with a suspended license

$1,411

$1,439

$2,975

$4,262

$2,427

Driving with an open container

$1,411

$1,439

$2,529

$4,262

$3,529

Driving with expired registration

$1,411

$1,439

$2,529

$2,366

$3,460

Driving without Lights

$1,411

$1,439

$2,529

$2,040

$3,460

Failure to show documents

$1,411

$1,439

$2,529

$2,366

$3,460

Failure to stop at a red light

$1,411

$1,439

$2,529

$2,366

$3,460

Cheapest car insurance for drivers with bad credit in Ocala, FL

Bad credit tells your insurance provider that you might not pay your premiums on time. To make up for that, they add a fair bit to your policy price. Again, car insurance providers are in the risk management game. To make up for the risk of insuring someone with bad credit, they charge more.

Company

Rates for drivers with bad credit

State Farm

$2,420

GEICO

$2,696

UAIC

$2,727

Direct Auto

$2,899

Nationwide

$3,096

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Buying car insurance in Ocala, FL

Florida is a no-fault state. That means that all drivers are required to carry car insurance and, after an accident, file the claim with their own insurance provider, no matter who was at fault. The goal here is to prevent headaches and litigation after an accident. Instead of having to assign blame, you get a straightforward path to get what you need from your own insurance provider.

So instead of having to worry about bodily injury liability limits per person and per accident, you just need a lump sum (specifically, at least $10,000) of personal injury protection (PIP) coverage. PIP kicks in to cover medical expenses for you and your passengers after an accident. 

All that said, you’re still on the hook — or at least, your insurance provider is — if you damage someone else’s car or property with your vehicle. That’s why the state requires you to carry $10,000 of property damage liability coverage. That’s designed to kick in if you back over your neighbor’s mailbox or cause an accident that necessitates a trip to the body shop for the other driver. 

Most insurance companies won’t quote you for policies under the state-required limits, but you should still double-check that you have $10,000 of PIP and $10,000 of property damage liability coverage for any quotes you consider.

How to get cheap car insurance in Ocala, FL

While Ocala car insurance is more affordable than a lot of other Florida locations, Floridians still pay more for auto insurance than drivers in any other state. To help you bring that cost down, look for discounts like:

  • Safe driver discount - A lot of car insurance companies will bring down your premium if you can show them that you’re consistently safe on the road. If you’ve gone a couple of years without an accident or ticket, ask about this discount.

  • Bundling - Buying your car insurance and home or renters insurance from the same company can usually help you see savings. 

  • Low mileage discount - If you’re working from home or commuting less, you might qualify for cheaper coverage because of your limited annual mileage. 

The best way to get the best price on your policy is to get quotes from at least a few insurance companies, then ask each which discounts they can offer you.

Frequently asked questions

Who has the lowest car insurance rates in Kansas City?

USAA has the lowest insurance rates in the city, according to our analysis, at an average cost of $746 per year for full coverage.

Does Ocala car insurance cost more after an accident?

That depends on whether or not you caused it. If you were the at-fault driver, yes, you can expect to pay more (unless your insurer offers accident forgiveness and you qualify). If you weren’t at fault, your premiums shouldn’t go up, but in some cases you may still see an increase.

Higher coverage costs stem from a bunch of different factors, like the state’s severe weather, densely populated metropolitan areas, and high rate of uninsured drivers.

Is auto insurance more expensive in Ocala than in other Florida cities?

Quite the opposite, actually. On average, Ocalans pay less than drivers in most of Florida’s biggest cities — and they pay about $500 less than the average policy cost across the state.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.