Best Daytona Beach, Florida Auto Insurance in 2024
The average Daytona Beach, FL auto insurance rates are $334 per month. The minimum auto insurance in Daytona Beach is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Daytona Beach, Florida, compare quotes from multiple companies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Daytona Beach, Florida is 10/20/10
- The most expensive auto insurance company in Daytona Beach for teen drivers is Allstate
- Average auto insurance rates in Daytona Beach, FL for senior drivers are $2,424 per year
Daytona Beach, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Daytona Beach can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Daytona Beach, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Daytona Beach to other Florida cities, including Cape Coral auto insurance rates, Miami auto insurance rates, and Orlando auto insurance rates to see how Daytona Beach, Florida auto insurance rates stack up.
Before you buy Daytona Beach, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Daytona Beach, Florida auto insurance quotes.
Minimum Auto Insurance in Daytona Beach, Florida
Daytona Beach, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Daytona Beach, Florida.
Minimum Required Auto Insurance Coverage in Daytona 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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Cheap Daytona Beach, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Daytona Beach, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Daytona 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 | $3,899 | $3,766 | $3,419 | $3,493 | $13,723 | $15,037 | $3,935 | $4,012 |
| 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 | $3,232 | $3,052 | $2,788 | $2,977 | $9,032 | $9,840 | $3,882 | $3,708 |
| State Farm | $1,818 | $1,818 | $1,650 | $1,650 | $5,271 | $6,713 | $2,020 | $2,157 |
| USAA | $1,411 | $1,386 | $1,319 | $1,307 | $4,823 | $5,602 | $1,760 | $1,899 |
Cheap Daytona Beach, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Daytona Beach, Florida is a challenge. Take a look at the annual teen auto insurance rates in Daytona Beach, Florida.
Annual Auto Insurance Rates for Teen Drivers in Daytona Beach, Florida
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,723 | $15,037 |
| Geico | $4,619 | $5,802 |
| Liberty Mutual | $6,868 | $10,554 |
| Nationwide | $5,823 | $7,167 |
| Progressive | $9,032 | $9,840 |
| State Farm | $5,271 | $6,713 |
| USAA | $4,823 | $5,602 |
Cheap Daytona Beach, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Daytona Beach, Florida? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Daytona Beach, Florida
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,419 | $3,493 |
| Geico | $2,433 | $2,433 |
| Liberty Mutual | $3,006 | $3,006 |
| Nationwide | $2,190 | $2,264 |
| Progressive | $2,788 | $2,977 |
| State Farm | $1,650 | $1,650 |
| USAA | $1,319 | $1,307 |
Cheap Daytona Beach, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Daytona Beach, Florida compared to the annual auto insurance rates with a clean record in Daytona Beach, Florida.
Annual Daytona Beach, Florida Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,522 | $6,605 | $7,375 | $6,140 |
| 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 | $3,811 | $5,613 | $4,735 | $5,097 |
| State Farm | $2,641 | $3,133 | $2,887 | $2,887 |
| USAA | $1,908 | $2,356 | $3,487 | $2,001 |
Cheap Daytona Beach, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Daytona Beach, Florida is not easy. Compare the annual rates for DUI auto insurance in Daytona Beach, Florida to find the best deal.
Annual Auto Insurance Rates After a DUI in Daytona Beach, Florida
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,375 |
| Geico | $4,337 |
| Liberty Mutual | $6,389 |
| Nationwide | $4,367 |
| Progressive | $4,735 |
| State Farm | $2,887 |
| USAA | $3,487 |
Cheap Daytona Beach, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Daytona Beach, Florida annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Daytona Beach, Florida
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,935 | $5,675 | $4,621 |
| Geico | $4,762 | $2,902 | $2,191 |
| Liberty Mutual | $6,055 | $4,456 | $3,621 |
| Nationwide | $4,338 | $3,194 | $2,892 |
| Progressive | $6,282 | $4,450 | $3,710 |
| State Farm | $3,943 | $2,591 | $2,127 |
| USAA | $3,955 | $1,944 | $1,416 |
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Cheap Daytona Beach, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Daytona Beach, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Daytona Beach, Florida to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Daytona Beach, Florida
| ZIP Code | Average Annual Rates |
|---|---|
| 32114 | $3,111 |
| 32117 | $3,111 |
| 32118 | $3,116 |
| 32119 | $3,042 |
| 32124 | $3,064 |
Cheap Daytona Beach, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Daytona Beach, Florida auto insurance. Find the cheapest annual Daytona Beach, Florida auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Daytona Beach, Florida
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,227 | $6,594 |
| Geico | $3,269 | $3,301 |
| Liberty Mutual | $4,560 | $4,861 |
| Nationwide | $3,475 | $3,475 |
| Progressive | $4,814 | $4,814 |
| State Farm | $2,788 | $2,986 |
| USAA | $2,411 | $2,466 |
Cheap Daytona Beach, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Daytona Beach, Florida? Check out the comparison of annual Daytona Beach, Florida auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Daytona Beach, Florida
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,897 | $6,754 | $7,580 |
| Geico | $2,680 | $3,402 | $3,772 |
| Liberty Mutual | $4,290 | $4,787 | $5,054 |
| Nationwide | $2,745 | $3,612 | $4,067 |
| Progressive | $4,021 | $4,927 | $5,494 |
| State Farm | $2,458 | $2,959 | $3,244 |
| USAA | $2,103 | $2,526 | $2,686 |
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Best By Category: Cheapest Auto Insurance in Daytona Beach, Florida
Compare the cheapest auto insurance companies in Daytona Beach, Florida in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Daytona 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 |
The Cheapest Daytona Beach, Florida Auto Insurance Companies
What auto insurance companies in Daytona Beach, Florida are the cheapest? Compare the top Daytona Beach, Florida auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Daytona Beach, Florida
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,410 |
| Geico | $3,285 |
| Liberty Mutual | $4,711 |
| Nationwide | $3,475 |
| Progressive | $4,814 |
| State Farm | $2,887 |
| USAA | $2,438 |
What affects auto insurance rates in Daytona Beach, Florida?
There are a lot of reasons why auto insurance rates in Daytona Beach, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Daytona Beach, Florida. Many local factors may affect your Daytona Beach auto insurance rates.
Daytona Beach Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Daytona Beach, Florida auto theft statistics, there have been 224 auto thefts in the city.
Daytona Beach Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Daytona Beach, Florida commute length is 19.3 minutes according to City-Data.
Daytona Beach Traffic
How does Daytona Beach, Florida rank for traffic? According to Inrix Daytona Beach, Florida is the 367th most congested worldwide.
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Compare Daytona Beach, Florida Auto Insurance Quotes
Before you buy Daytona Beach, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Daytona Beach, Florida auto insurance quotes.
Frequently Asked Questions
What is Daytona Beach, FL auto insurance?
Daytona Beach, FL auto insurance refers to the insurance coverage specifically designed for vehicles owned and operated in Daytona Beach, Florida. It provides coverage for potential damages, liability, and other risks associated with owning and driving a vehicle in the Daytona Beach area.
Is auto insurance mandatory in Daytona Beach, FL?
Yes, auto insurance is mandatory in Daytona Beach, FL, as it is in most jurisdictions in Florida. Florida state law requires all drivers to carry minimum liability insurance coverage to protect themselves and others in the event of an accident.
What are the minimum auto insurance requirements in Daytona Beach, FL?
In Daytona Beach, FL, drivers must carry at least the following minimum liability insurance coverage:
- $10,000 personal injury protection (PIP) coverage
- $10,000 property damage liability (PDL) coverage
What other types of coverage are available for Daytona Beach, FL auto insurance?
In addition to the required liability coverage, other common coverage options available for Daytona Beach, FL auto insurance include:
- Bodily injury liability coverage: This coverage helps protect you if you cause an accident that results in injury or death to another person. It can help cover medical expenses, legal fees, and potential lawsuits.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance or is uninsured. It can cover your medical expenses and property damage.
- Collision coverage: This pays for repairs or replacement if your vehicle is damaged in a collision with another vehicle or object.
- Comprehensive coverage: This covers non-collision-related damages to your vehicle, such as theft, vandalism, or weather-related damage.
- Medical payments coverage: This helps cover medical expenses for you and your passengers in case of injuries sustained in an accident.
How are auto insurance rates determined in Daytona Beach, FL?
Auto insurance rates in Daytona Beach, FL are determined by various factors, including:
- Driving record: Your driving history, including accidents and traffic violations, can impact your insurance rates. A clean driving record generally leads to lower premiums.
- Vehicle make and model: The type of vehicle you drive, its age, and its safety features can influence insurance rates.
- Location: Factors such as the crime rate, population density, and frequency of accidents in Daytona Beach can impact rates.
- Coverage options: The coverage limits, deductibles, and additional coverage options you choose affect your premiums.
- Insurance company: Different insurance companies have their own rating algorithms and underwriting criteria, leading to variations in rates.
Do I need flood insurance for my vehicle in Daytona Beach, FL?
Standard auto insurance policies do not cover flood damage to vehicles. If you live in an area prone to flooding, such as Daytona Beach, FL, it’s recommended to consider purchasing separate flood insurance coverage to protect your vehicle. Flood insurance can help cover damages caused by rising waters, flash floods, or heavy rainstorms.
Can I use my personal auto insurance for my business vehicle in Daytona Beach, FL?
Personal auto insurance typically does not cover vehicles used for business purposes. If you use your vehicle for business activities, such as deliveries or transportation services, you may need commercial auto insurance. Commercial auto insurance provides coverage specifically tailored to the unique risks associated with business vehicle use, ensuring adequate protection for both you and your business.
Are there any specific insurance requirements for motorcycles in Daytona Beach, FL?
Motorcycles in Daytona Beach, FL are subject to the same insurance requirements as other vehicles. You must carry the minimum liability insurance coverage, including $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). However, due to the increased risks associated with motorcycles, it’s important to consider additional coverage options, such as comprehensive and collision coverage, to protect yourself and your bike.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.