Cheapest car insurance in Ocala, FL
At just $62 per month on average, State Farm is the most affordable choice for minimum coverage car insurance in Ocala.
We’ve saved shoppers an average of $600 per year on their car insurance.
When shopping for low-cost car insurance in Ocala, FL, you’ll notice that prices vary widely.
State Farm provides the most budget-friendly liability-only insurance. GEICO stands out for full coverage savings, while Mercury is the go-to insurer for young drivers seeking lower rates.
Cheapest Car Insurance Companies In Ocala, FL 2025
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Cheapest Liability-only Car Insurance In Ocala: State Farm
At just $62 per month, State Farm offers the cheapest minimum coverage car insurance in Ocala.
Take a look at the table below to see how insurance rates vary by provider.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $62 | $744 |
| Allstate | $106 | $1,272 |
| GEICO | $65 | $780 |
| Travelers | $126 | $1,512 |
| Progressive | $158 | $1,896 |
Cheapest Full Coverage Insurance Rates In Ocala: GEICO
Drivers in Ocala can get the cheapest full coverage from GEICO, with an average monthly premium of $80.
Use the table below to see how average auto insurance quotes differ among budget-friendly insurers in Ocala.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $80 | $960 |
| Allstate | $136 | $1,632 |
| Mercury | $184 | $2,208 |
| National General | $240 | $2,880 |
| Progressive | $238 | $2,856 |
Cheapest Car Insurance Rates For Seniors: State Farm
The cheapest car insurance for seniors in Ocala comes from State Farm, with an average rate of $96 per month.
The table below outlines average car insurance quotes from the cheapest providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $96 | $1,152 |
| Allstate | $107 | $1,284 |
| Direct Auto | $200 | $2,400 |
| Mercury | $145 | $1,740 |
| Foremost | $219 | $2,628 |
Cheapest Rates In Ocala For Teenagers: GEICO
Ocala’s teenage drivers can secure the lowest insurance rates from GEICO, with an average monthly cost of $140.
The chart below presents a comparison of the cheapest car insurance providers for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $140 | $1,680 |
| Allstate | $245 | $2,940 |
| Travelers | $292 | $3,504 |
| Direct Auto | $481 | $5,772 |
| Foremost | $492 | $5,904 |
Cheapest Auto Insurance For Young Adults in Ocala: Mercury
For young adult drivers in Ocala, Mercury has the lowest car insurance quotes, costing about $130 per month.
You can review the table below to see which insurers offer the lowest rates for young adults in Ocala.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $130 | $1,560 |
| Liberty Mutual | $153 | $1,836 |
| 21st Century | $177 | $2,124 |
| State Farm | $136 | $1,632 |
Cheapest Car Insurance In Ocala For Good Drivers: State Farm
Ocala’s best rates for good drivers come from State Farm, with an average monthly premium of $62.
Use the table below to find the best-priced car insurance options for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $62 | $744 |
| Allstate | $106 | $1,272 |
| GEICO | $65 | $780 |
| Travelers | $126 | $1,512 |
| Progressive | $158 | $1,896 |
Find affordable Ocala rates
Cheapest Car Insurance In Ocala After A Speeding Ticket: State Farm
If you have a speeding ticket, State Farm offers one of the cheapest insurance options in Ocala, with an average cost of $134 per month.
Drivers with a speeding ticket can review the table below to find the most affordable insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | 134 | $925 |
| Erie | $87 | $1,042 |
| Auto-Owners | $94 | $1,130 |
| GEICO | $158 | $1,898 |
| USAA | $79 | $950 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm stands out as the cheapest option for drivers with an at-fault accident, with rates averaging $146 per month.
Here are the top car insurance providers with the most affordable rates for drivers who have been at fault in an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $146 | $1,010 |
| USAA | $91 | $1,090 |
| Auto-Owners | $103 | $1,230 |
| GEICO | $124 | $1,490 |
| Erie | $109 | $1,302 |
Cheapest Rates In Ocala For Drivers After A DUI: Travelers
After a DUI, Ocala drivers can find the most affordable car insurance with Travelers, where rates average $236 per month.
The table below provides a comparison of the cheapest insurance rates for Ocala drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $236 | $930 |
| Erie | $131 | $1,566 |
| USAA | $94 | $1,130 |
| Auto-Owners | $142 | $1,705 |
| GEICO | $158 | $1,900 |
Best Car Insurance Companies In Ocala
For affordable insurance in Ocala, State Farm leads with $62 per month, but Allstate ($106) and GEICO ($65) are close options.
The top insurance companies in Ocala, FL, are shown below, sorted by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $62 |
| Allstate | $106 |
| GEICO | $65 |
| Travelers | $126 |
| Progressive | $158 |
| Mile Auto | $100 |
| Direct Auto | $138 |
| Root | $150 |
| Infinity | $170 |
Average Auto Insurance Rates In Ocala – By Age
Age significantly affects car insurance premiums. Because younger drivers are more likely to have accidents, they pay higher rates. Teens, for instance, can expect to pay about $6,333 per year for coverage.
Drivers who reach 25 years old usually benefit from lower premiums, provided they have a safe driving history.
Car insurance tends to be cheapest for drivers in their 50s and early 60s because insurers rely on age to assess risk and driving history.
| Age | Average Yearly Rate |
| Teenagers | $6,333 |
| 20s | $4,135 |
| 30s | $2,818 |
| 40s | $2,578 |
| 50s | $2,145 |
| 60s | $2,162 |
| 70s | $2,465 |
Average Rates In Ocala – By Vehicle
Your vehicle choice affects your insurance premium, as insurers evaluate factors like make, model, year, and body type. Generally, newer and high-end cars cost more to insure due to expensive repairs and technology.
You can refer to the table below to compare average car insurance rates in Ocala by vehicle type.
| Vehicle | Average Monthly Rate |
| Toyota Sienna | $167 |
| Toyota Corolla | $428 |
| Chevrolet Traverse | $120 |
| Hyundai Elantra | $182 |
| Kia Sportage | $212 |
Average Cost Of Auto Insurance In Ocala – By Zip Code
Car insurance rates fluctuate by zip code since insurers consider crime levels when setting premiums.
You can refer to the table below to compare car insurance rates by zip code in Ocala.
| City | Average Monthly Rate |
| 34482 | $239 |
| 34480 | $210 |
| 34470 | $220 |
| 34479 | $262 |
| 34478 | $131 |
How Much Is Car Insurance In Other Cities in Florida?
The place you live affects your car insurance costs. Insurance companies analyze risks like theft, vandalism, and accident rates, which are often higher in cities and lead to increased premiums.
Drivers in Miami generally pay around $407 monthly for car insurance, whereas in Sarasota, the average cost is $226 per month.
| City | Average Monthly Rate |
| Fort Myers | $273 |
| Boca Raton | $346 |
| West Palm Beach | $405 |
| Naples | $250 |
| Sarasota | $226 |
| Tampa | $399 |
| Miami | $406 |
| Tallahassee | $272 |
| St. Petersburg | $260 |
| Pensacola | $264 |
Find affordable Ocala rates
Our methodology
I’ve carefully reviewed Ocala, FL car insurance providers, evaluating factors like customer satisfaction, policy options, affordability, and online feedback.
Quotes Analyzed
Years Of Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Ocala?
State Farm has the most budget-friendly minimum coverage in Ocala, while GEICO offers the most affordable full coverage, including both collision and comprehensive insurance.
What is the average cost of car insurance in Ocala?
Expect to pay about $240 per month for car insurance in Ocala, though your specific rate will depend on your zip code, car model, and driving record.
