+120 moreLiving in Florida means you’ll pay more for car insurance than the average driver. Daytona Beach drivers pay an average of $173 per month for car insurance. A number of factors contribute to the city’s high insurance rates, including the state’s no-fault status and uninsured motorist rates.[1]
Your personal factors also influence your costs, so you may see rates higher or lower than the local average. But our research shows that State Farm, Mile Auto, and Progressive offer rates well below the citywide average.
In this guide, we break down Daytona Beach car insurance by driver type, share tips for choosing the right policy, and offer easy strategies to save money.
Daytona Beach drivers can find the cheapest rates with State Farm, at $101 per month.
On average, Daytona Beach drivers pay $147 per month for liability coverage and $199 for full coverage.
Florida requires drivers to have at least $10,000 in personal injury protection and $10,000 in property damage liability.[2]
No matter the average cost of car insurance in Daytona Beach, several companies have rates that beat the local average. Whether you’re a safe driver, a student, or someone with a less-than-perfect driving record, you can adjust your policy, look into discounts, or switch insurers to get a lower rate.
Start by comparing the rates in the table below. It highlights the cheapest auto insurance companies in Daytona Beach, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $101 |
| Mile Auto | $121 |
| Progressive | $131 |
| Direct Auto | $145 |
| Mercury | $150 |
| GEICO | $155 |
| GAINSCO | $156 |
| The General | $164 |
| Bristol West | $171 |
| National General | $173 |
| Infinity | $174 |
| Allstate | $177 |
| Root | $205 |
| AssuranceAmerica | $206 |
| Travelers | $211 |
| Dairyland | $283 |
| Liberty Mutual | $331 |
State Farm tops our list with the lowest average premium overall in Daytona Beach, at just $101 per month.
In the following sections, we break down the cheapest insurers by age, driving history, and more to help you find the right fit for your needs.
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While the companies above are a great place to start, your actual rate will depend on several personal factors, including your age, driving record, credit, and ZIP code. That’s why comparing quotes is always a good idea.
The table below shows the cheapest insurers in Daytona Beach for different types of drivers and coverage needs, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $101 |
| Full coverage | State Farm | $113 |
| Teens | State Farm | $192 |
| Seniors | State Farm | $81 |
| Drivers with a speeding ticket | State Farm | $124 |
| Drivers with an at-fault accident | State Farm | $130 |
| Drivers with a DUI | State Farm | $147 |
| Drivers with excellent credit | State Farm | $87 |
| Drivers with poor credit | State Farm | $145 |
We’ve included detailed breakdowns for each driver type in the sections below to help you find the best rate for your situation.
Drivers in Daytona Beach pay an average of $147 per month for state-minimum car insurance, according to Compare.com data. While this option keeps monthly costs low, most experts advise buying more coverage because the state’s minimums likely won’t cover major out-of-pocket expenses after a serious accident.
Below, we highlight the five cheapest companies for state-minimum coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $101 |
| Mile Auto | $121 |
| Progressive | $131 |
| Direct Auto | $145 |
| Mercury | $150 |
| GEICO | $155 |
| GAINSCO | $156 |
| The General | $164 |
| Bristol West | $171 |
| National General | $173 |
| Infinity | $174 |
| Allstate | $177 |
| Root | $205 |
| AssuranceAmerica | $206 |
| Travelers | $211 |
| Dairyland | $283 |
| Liberty Mutual | $331 |
Full coverage offers more protection than liability-only policies. On top of your liability coverage, it typically includes collision and comprehensive insurance, which covers damage from accidents, theft, and weather. Drivers — especially those with newer vehicles — should at least consider it. Lenders usually require you to have full-coverage policies.
Daytona Beach drivers pay an average of $199 per month for full coverage. But some insurers offer rates close to the city’s liability average.
We compiled the cheapest full-coverage car insurance companies in the following chart.
Company | Average Monthly Premium |
|---|---|
| State Farm | $113 |
| Mile Auto | $157 |
| GEICO | $176 |
| Mercury | $187 |
| Allstate | $196 |
| National General | $203 |
| Progressive | $209 |
| Direct Auto | $210 |
| Travelers | $233 |
| Bristol West | $240 |
| The General | $246 |
| Infinity | $253 |
| Root | $277 |
| GAINSCO | $279 |
| Liberty Mutual | $335 |
| AssuranceAmerica | $345 |
| Dairyland | $475 |
Teen drivers pay some of the highest car insurance rates because of their higher accident risk. In fact, drivers ages 16 to 19 are nearly three times as likely to be in a fatal crash as those 20 and older, according to the Insurance Institute for Highway Safety.[3]
In Daytona Beach, teen drivers pay an average of $299 per month, but some insurers offer more affordable coverage.
Here are the five cheapest companies for Daytona Beach teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $192 |
| Progressive | $227 |
| Mile Auto | $244 |
| GEICO | $271 |
| Mercury | $271 |
| Direct Auto | $273 |
| GAINSCO | $278 |
| The General | $280 |
| Bristol West | $298 |
| Infinity | $317 |
| Allstate | $343 |
| National General | $343 |
| Root | $345 |
| AssuranceAmerica | $419 |
| Travelers | $430 |
| Dairyland | $473 |
| Liberty Mutual | $569 |
Senior drivers in their 60s often enjoy the lowest car insurance rates because they drive fewer miles and get into fewer accidents.[4] Daytona Beach seniors pay an average monthly premium of $155, according to Compare.com.
Still, many insurers offer rates below that average. The chart below shows the cheapest car insurance companies for Daytona Beach seniors, according to our research.
Company | Average Monthly Premium |
|---|---|
| State Farm | $81 |
| Mile Auto | $97 |
| Progressive | $118 |
| Direct Auto | $119 |
| Mercury | $122 |
| GEICO | $126 |
| Infinity | $130 |
| GAINSCO | $135 |
| National General | $139 |
| The General | $141 |
| Bristol West | $145 |
| Allstate | $147 |
| AssuranceAmerica | $164 |
| Travelers | $172 |
| Root | $175 |
| Dairyland | $244 |
| Liberty Mutual | $282 |
Getting a speeding ticket can raise your car insurance premiums when your policy renews because insurers view moving violations as a sign of increased risk. Our data shows that a single speeding ticket can raise rates by as much as 37% nationwide.
In Daytona Beach, drivers with a recent ticket pay an average of $201 per month. But several insurers offer more competitive rates. Check out the five cheapest in the chart below, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $124 |
| Mile Auto | $143 |
| Progressive | $152 |
| Direct Auto | $175 |
| GAINSCO | $179 |
| GEICO | $195 |
| Mercury | $202 |
| Bristol West | $207 |
| National General | $207 |
| The General | $212 |
| Infinity | $213 |
| Allstate | $222 |
| AssuranceAmerica | $252 |
| Root | $264 |
| Travelers | $264 |
| Dairyland | $341 |
| Liberty Mutual | $406 |
Causing an accident often leads to sharp car insurance rate increases. Our research shows that a single at-fault accident can raise premiums by up to 41% nationwide, depending on the insurer and severity.
Daytona Beach drivers with a recent accident pay an average of $218 per month for car insurance. But many drivers still find lower rates when they shop around for coverage.
Here are the five cheapest car insurance companies for Daytona Beach drivers with an at-fault accident, according to our research.
Company | Average Monthly Premium |
|---|---|
| State Farm | $130 |
| Mile Auto | $159 |
| Progressive | $165 |
| Direct Auto | $193 |
| GAINSCO | $195 |
| GEICO | $197 |
| Infinity | $219 |
| Bristol West | $220 |
| The General | $221 |
| Mercury | $222 |
| National General | $224 |
| Allstate | $232 |
| AssuranceAmerica | $268 |
| Root | $268 |
| Travelers | $277 |
| Dairyland | $366 |
| Liberty Mutual | $430 |
A DUI conviction leads to the steepest rate increase of any driving violation. Our research shows that car insurance premiums rise by nearly 61% nationwide after a DUI.
In Daytona Beach, drivers with a DUI pay an average of $245 per month, according to Compare.com data. Still, you’re not stuck with the highest rates. Some companies offer more affordable options.
The chart below lists the five cheapest insurers in Daytona Beach for drivers with a DUI, according to our research.
Company | Average Monthly Premium |
|---|---|
| State Farm | $147 |
| Mile Auto | $176 |
| Progressive | $186 |
| Direct Auto | $211 |
| GEICO | $223 |
| Mercury | $227 |
| GAINSCO | $227 |
| The General | $238 |
| Bristol West | $248 |
| National General | $251 |
| Infinity | $253 |
| Allstate | $257 |
| Root | $299 |
| AssuranceAmerica | $299 |
| Travelers | $307 |
| Dairyland | $411 |
| Liberty Mutual | $481 |
Many insurers consider your credit history when setting rates and view poor credit as a sign of higher risk. As a result, drivers with poor credit tend to pay about 20% more for car insurance than those with excellent credit, according to our data.
Drivers with poor credit in Daytona Beach pay an average of $216 per month for insurance. But not every company uses credit to set rates, and some insurers offer affordable rates regardless of your credit.
The chart below shows the cheapest car insurance companies for Daytona Beach drivers with poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $145 |
| Mile Auto | $149 |
| Progressive | $164 |
| Direct Auto | $179 |
| Mercury | $183 |
| GEICO | $191 |
| GAINSCO | $192 |
| The General | $202 |
| Bristol West | $211 |
| National General | $213 |
| Infinity | $214 |
| Allstate | $218 |
| Root | $252 |
| AssuranceAmerica | $254 |
| Travelers | $260 |
| Dairyland | $348 |
| Liberty Mutual | $397 |
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Like most states, Florida requires all drivers to have car insurance before getting behind the wheel. But the state’s minimum limits are low compared to other states. Florida is also a no-fault state, which means you have to file bodily injury claims with your insurance regardless of who caused the accident.
Here are Florida’s minimum car insurance requirements:
$10,000 in personal injury protection to cover your medical expenses after an accident, regardless of fault
$10,000 in property damage liability to cover damage you cause to someone else’s property
Florida doesn’t require bodily injury liability or uninsured/underinsured motorist coverage, but many drivers choose to add them for extra protection.
Experts, including the Insurance Information Institute (Triple-I), recommend buying more than the state minimum. Florida’s low coverage requirements won’t fully cover repairs if you hit newer or multiple vehicles.
Adding bodily injury liability and increasing your coverage limits usually are worth the valuable protection. Additionally, Florida’s rate of uninsured drivers has increased to nearly 16% over the last decade, according to Triple-I. So you should also consider uninsured/underinsured motorist coverage.
And remember, your lender will likely require comprehensive and collision insurance.
Find the coverage you need for the best price in Daytona Beach.
Whether you’re new to the area or a longtime resident looking for a better rate, these answers will help you understand your Daytona Beach car insurance options.
Car insurance in Daytona costs an average of $173 per month, according to our research. Drivers pay an average of $147 per month for liability-only coverage and $199 for full coverage.
State Farm offers the cheapest auto insurance in Daytona Beach, with an average monthly rate of $101, according to Compare.com data.
Yes. On average, Daytona Beach drivers pay $173 per month for car insurance compared to the national average of $136, according to our data. But personal rates vary based on factors like your ZIP code, driving record, age, and credit.
Florida drivers pay an average monthly car insurance premium of $183, according to Compare.com data. That said, your rates may be lower or higher than the statewide average depending on where you live in the state.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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