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How much is car insurance in Ocala?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $29 a month cheaper to insure your vehicle in Ocala than it is in the rest of Florida.
That being said residents of Ocala might expect to pay higher rates for coverage than the rest of the country. It's about $14 more expensive for coverage in Ocala than the average rates for the U.S. as a whole.
While these numbers are the average rates for auto insurance in Ocala, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Ocala so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Ocala Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up in Ocala.
Ocala Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their vehicle, Ocala actually bucks this trend. While female drivers pay $96 a month for auto insurance coverage, males only pay about $91.
Ocala Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Ocala with a single accident on their record will usually see rates around $117 a month. In addition, drivers with one ticket can expect to pay around $102 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Ocala Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$99|
As you can see in the first table above, the cheapest vehicles to insure in Ocala are by and large trucks and vans, which run about $82 per month.
SUV drivers will see rates of about $95, while the rates for car owners average out to about $96 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Ocala, vehicles fifteen years and older are the most expensive to insure.
Ocala Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$97|
More often than not, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Ocala.
Ocala Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $24 a month more than if you own your own home in Ocala. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Ocala, FL
Recent trends in car insurance for Ocala drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Ocala, car insurance rates had been decreasing from 2017-2019, before leveling out in 2020. Policy premiums have been decreasing again recently, and were down to $91 in 2022.
How does Ocala compare to neighboring areas?
Why are car insurance rates in Ocala different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Community laws
- Road safety
- Total drivers
- Off-street parking access
- Crime levels
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Ocala?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Ocala.
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Ocala Auto Insurance FAQs
What factors affect car insurance quotes in Ocala?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Ocala different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Ocala?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ocala?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Ocala or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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