Ocala, FL Car Insurance

The average cost for car insurance in Ocala is about $93 a month. To learn more about car insurance rates in the Ocala area, read our guide below.
How do rates in Ocala measure up compared to neighboring areas, including Florida as a whole? What should residents of Ocala expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Ocala?

Area Average Monthly Car Insurance Premium
Ocala$93
FL$123
United States$81

According to the chart above, the average cost of auto insurance in Florida is about $30 a month more expensive than it is in Ocala.

Drivers relocating the Ocala should take note of the differences in average rates. The cost of auto coverage in Ocala is about $12 more expensive than the national average.

These rates may be the average amount Ocala residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Ocala residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$140
25-34$92
35-44$91
45-54$81
55-64$72
65+$74

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $66 more than someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement in Ocala.

Average Car Insurance Rates by Gender

Gender Average
Male$91
Female$95

Although women typically pay less than men do for car insurance, this is not the case in Ocala, where female drivers pay around $95 per month while male drivers pay about $91.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$117
Multiple Accidents$164
1 Ticket$103
Multiple Tickets$185

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Ocala with a single accident will pay around $117 a month. Likewise, drivers with one ticket will be looking at a rate of around $103 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$92
2-3 Years$85
4-5 Years$89
6-7 Years$86
8-10 Years$95
11-14 Years$87
15 Years or Older$98

In terms of affordable coverage, the cheapest vehicles to insure in Ocala are typically trucks and vans, at $82 per month.

SUV drivers will see rates of about $95 for car insurance coverage, while car owners usually pay around $96 a month.

Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. In Ocala, vehicles fifteen years and older are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$97
Married$96
Divorced$69
Widowed$65

More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

While married drivers normally pay less for auto insurance than single drivers, Ocala bucks this trend as both groups pay around the same rate for coverage.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$76
Rent$100
Live with parents$115

Your housing status is another factor that affects your monthly rate. Drivers who own property in Ocala can expect to pay around $24 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Ocala, FL

Recent trends in car insurance for Ocala drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

In Ocala, the rates for car insurance dropped from 2017-2019, before leveling out in 2020. Rates began decreasing again in 2021, and finished down in 2022, at $75.

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 a monthly rate, car insurance companies will consider a number of factors. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Availability of off-street parking
  • Road Safety (frequency of car accidents)
  • Total amount of drivers in the community
  • Crime
  • Regional regulations

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Ocala?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Ocala.

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Ocala Insurance FAQs

What factors affect car insurance quotes in Ocala?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Ocala different from other neighboring cities?

Things like crime rates, local laws, and parking situations, 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?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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 finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Ocala or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes