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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
Ocala — the horse capital of the world — boasts scenic horse farms and crystal-clear natural springs. Car insurance in Ocala falls below the statewide average, at $164 per month.
Despite its smaller population, its rates tend to be higher than the national average due to Florida’s high number of uninsured drivers[1] and severe weather risks like hurricanes and flooding. Still, you can find rates below the citywide average with Progressive, Mile Auto, and Clearcover.
We’ll cover the cheapest insurers in Ocala for various driver types, how to pick the right company, and money-saving strategies to reduce your premiums in the Brick City.
Progressive offers the cheapest car insurance in Ocala, at an average rate of $91 per month.
Ocala drivers pay an average of $128 per month for liability coverage and $201 for full coverage.
Florida requires drivers to purchase $10,000 in personal injury protection and $10,000 in property damage liability coverage.
Regardless of average rates in Ocala, you can still find excellent deals with the right insurance company. Several insurers offer rates significantly below the citywide average.
We’ve analyzed many insurers to find the most affordable rates. The table below highlights the cheapest insurance companies in Ocala.
Company  | Average Monthly Premium |
|---|---|
| Progressive | $91 |
| Mile Auto | $97 |
| Clearcover | $98 |
| State Farm | $99 |
| GEICO | $112 |
| Dairyland | $114 |
| Embark | $124 |
| Infinity | $127 |
| Direct Auto | $139 |
| Mercury | $139 |
| GAINSCO | $142 |
| The General | $150 |
| Bristol West | $160 |
| Root | $166 |
| National General | $171 |
| Allstate | $172 |
| AssuranceAmerica | $175 |
| Travelers | $205 |
| Mendota | $260 |
| First Acceptance | $271 |
| Liberty Mutual | $273 |
Progressive stands out as the cheapest option for drivers in Ocala. Its average monthly liability rate is $91 per month. Keep in mind that while Progressive is the cheapest overall, it may not be your cheapest option depending on your driver profile.
The following sections break down the cheapest companies by driver profile and coverage type to help you find the best rates for your specific situation.
The companies above are a good place to start, but factors like your age, driving record, address, and credit can affect your rates. That’s why it’s crucial to compare rates from companies that tend to offer good deals for drivers with a similar profile to yours.
The breakdown below highlights the most affordable insurers for different backgrounds and coverage types, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Progressive | $91 |
| Full coverage | State Farm | $139 |
| Teens | Progressive | $157 |
| Seniors | Progressive | $82 |
| Drivers with a speeding ticket | Progressive | $106 |
| Drivers with an at-fault accident | Progressive | $115 |
| Drivers with a DUI | Progressive | $129 |
| Drivers with excellent credit | Progressive | $84 |
| Drivers with poor credit | Progressive | $114 |
Each subsection below provides more detailed information about the cheapest options for specific driver types.
Policies in Ocala start as low as $91 per month.
Ocala drivers pay an average of $128 per month for state-minimum coverage, according to Compare.com data. But many insurance experts recommend purchasing more coverage than Florida requires since the state minimums may not fully protect you financially if you cause a serious accident.[2]
If you’re looking for basic coverage to meet Florida’s minimum requirements, we’ve compiled a list of the cheapest companies below.
Company | Average Monthly Premium |
|---|---|
| Progressive | $91 |
| Mile Auto | $97 |
| Clearcover | $98 |
| State Farm | $99 |
| GEICO | $112 |
| Dairyland | $114 |
| Embark | $124 |
| Infinity | $127 |
| Direct Auto | $139 |
| Mercury | $139 |
| GAINSCO | $142 |
| The General | $150 |
| Bristol West | $160 |
| Root | $166 |
| National General | $171 |
| Allstate | $172 |
| AssuranceAmerica | $175 |
| Travelers | $205 |
| Mendota | $260 |
| First Acceptance | $271 |
| Liberty Mutual | $273 |
Most drivers should consider full coverage because it protects their vehicle from damage, theft, and weather-related incidents. Full coverage typically includes comprehensive and collision insurance on top of the state’s minimum liability requirements.
Lenders and leasing companies require you to buy full coverage if you finance or lease your car. This protects their financial interest in the vehicle.[3]
Full coverage in Ocala averages $201 per month. Even with higher rates, several insurers offer it for close to the average liability price in Ocala.
The chart below shows the five cheapest insurers in Ocala for full coverage, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $139 |
| Progressive | $152 |
| Mile Auto | $156 |
| Mercury | $183 |
| GEICO | $196 |
| National General | $197 |
| Direct Auto | $205 |
| Clearcover | $206 |
| Bristol West | $224 |
| Infinity | $235 |
| Allstate | $242 |
| The General | $243 |
| Embark | $264 |
| Root | $266 |
| AssuranceAmerica | $273 |
| Travelers | $288 |
| GAINSCO | $290 |
| Liberty Mutual | $302 |
| Dairyland | $322 |
| First Acceptance | $350 |
| Mendota | $350 |
Teen drivers face some of the highest insurance rates of any age group. Insurance companies charge more because teens have less driving experience and statistically cause more accidents than older drivers.[4]
Nationwide, the average teen pays nearly double what someone 20 or older pays for the same coverage, according to our data.
Teens in Ocala pay an average of $284 per month for car insurance, but they can find a good deal with the right company.
The chart below highlights the five most affordable insurers in Ocala for teen drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $157 |
| State Farm | $188 |
| Dairyland | $191 |
| GEICO | $195 |
| Mile Auto | $196 |
| Embark | $214 |
| Infinity | $231 |
| Mercury | $252 |
| GAINSCO | $253 |
| The General | $256 |
| Direct Auto | $261 |
| Bristol West | $279 |
| Root | $279 |
| Allstate | $333 |
| National General | $339 |
| AssuranceAmerica | $356 |
| Travelers | $417 |
| Mendota | $450 |
| First Acceptance | $469 |
| Liberty Mutual | $469 |
Senior drivers typically enjoy the lowest insurance rates of any age group. Insurance companies view experienced drivers as lower risk since they tend to drive more cautiously and file fewer claims.[5]
Ocala seniors pay an average of $147 per month, according to Compare.com data. Even with already low average rates, you can likely find an even better deal with certain companies.
The chart below features the five cheapest insurers in Ocala for senior drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $78 |
| State Farm | $79 |
| Progressive | $82 |
| GEICO | $91 |
| Infinity | $95 |
| Dairyland | $98 |
| Embark | $111 |
| Mercury | $113 |
| Direct Auto | $114 |
| GAINSCO | $123 |
| The General | $129 |
| Bristol West | $136 |
| National General | $137 |
| AssuranceAmerica | $140 |
| Root | $142 |
| Allstate | $143 |
| Travelers | $167 |
| Liberty Mutual | $233 |
| Mendota | $233 |
| First Acceptance | $243 |
Getting a traffic ticket can cause your rates to increase when your policy renews. Insurance companies view tickets as an indicator that you’re more likely to file a claim in the future.[6] Our research shows that even a single speeding ticket causes average rates to increase by 37% nationwide.
Drivers with a recent ticket in Ocala pay an average of $190 per month, according to Compare.com data. Several insurers still offer competitive rates, even with a ticket on your record.
This chart highlights the five cheapest insurers in Ocala for drivers with a recent ticket based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $106 |
| Mile Auto | $114 |
| State Farm | $121 |
| Dairyland | $137 |
| GEICO | $141 |
| Embark | $144 |
| Infinity | $156 |
| GAINSCO | $163 |
| Direct Auto | $167 |
| Mercury | $188 |
| The General | $194 |
| Bristol West | $194 |
| National General | $205 |
| Root | $214 |
| AssuranceAmerica | $215 |
| Allstate | $216 |
| Travelers | $257 |
| Mendota | $302 |
| First Acceptance | $315 |
| Liberty Mutual | $335 |
Causing an accident can cause your rates to jump substantially since it signals to insurers that you’re more likely to file a claim in the future. Insurance companies charge you more to reflect this increased risk.
Our research shows that a single at-fault accident causes average rates to increase by 41% nationwide. Drivers with a recent accident in Ocala pay an average of $207 per month, according to Compare.com data. But you can often find a better deal with one of the insurers featured in the chart below.
Company | Average Monthly Premium |
|---|---|
| Progressive | $115 |
| Mile Auto | $128 |
| State Farm | $128 |
| GEICO | $142 |
| Dairyland | $148 |
| Embark | $156 |
| Infinity | $160 |
| GAINSCO | $177 |
| Direct Auto | $185 |
| The General | $202 |
| Mercury | $206 |
| Bristol West | $206 |
| Root | $217 |
| National General | $222 |
| Allstate | $225 |
| AssuranceAmerica | $227 |
| Travelers | $270 |
| Mendota | $328 |
| First Acceptance | $342 |
| Liberty Mutual | $355 |
If the state convicts you of driving under the influence (DUI), you’ll see the sharpest increase in your car insurance rates of any incident. Insurance companies view DUIs as a major red flag for future claims. Our research shows average rates increase by 61% nationwide after a DUI conviction.
Drivers with a DUI conviction in Ocala pay an average of $233 per month, according to Compare.com data. While rates are already high, a DUI can make it difficult to find coverage at all. Some insurance companies won’t renew your policy.
Fortunately, some insurers specialize in high-risk drivers, including people with DUIs.[7] The chart below shows the five cheapest insurers in Ocala for drivers with DUI convictions, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $129 |
| Mile Auto | $141 |
| State Farm | $144 |
| GEICO | $161 |
| Dairyland | $166 |
| Embark | $176 |
| Infinity | $184 |
| Direct Auto | $202 |
| GAINSCO | $206 |
| Mercury | $210 |
| The General | $218 |
| Bristol West | $232 |
| Root | $242 |
| National General | $248 |
| Allstate | $250 |
| AssuranceAmerica | $254 |
| Travelers | $298 |
| Mendota | $369 |
| First Acceptance | $384 |
| Liberty Mutual | $397 |
Some insurance companies consider your credit history when calculating your rates since insurers believe there’s a correlation between credit management and driving behavior. Companies use your credit-based insurance score to predict your likelihood of missing payments or filing claims in the future.[8]
Our research shows drivers with poor credit pay 40% more than people with excellent credit scores. Ocala drivers with poor credit pay a monthly average of $205 for car insurance, according to Compare.com data.
Thankfully, not all companies use credit to determine pricing, and some offer extremely affordable rates regardless of your credit history. The chart below shows the five cheapest insurers in Ocala for drivers with poor credit, according to our data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $114 |
| Mile Auto | $119 |
| GEICO | $138 |
| Dairyland | $140 |
| State Farm | $142 |
| Embark | $155 |
| Infinity | $156 |
| Mercury | $170 |
| Direct Auto | $171 |
| GAINSCO | $175 |
| The General | $185 |
| Bristol West | $197 |
| Root | $204 |
| National General | $211 |
| Allstate | $212 |
| AssuranceAmerica | $215 |
| Travelers | $252 |
| Mendota | $325 |
| Liberty Mutual | $327 |
| First Acceptance | $339 |
Compare personalized quotes from Ocala’s top insurers.
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Florida — one of 12 no-fault states — requires all drivers to have a minimum amount of car insurance to get behind the wheel. Here’s what the Sunshine State requires:[9]
Personal injury protection (PIP): $10,000 minimum
Property damage liability: $10,000 minimum
Florida’s minimum coverage pays for your medical expenses and lost wages, regardless of fault, and the damage you cause to other people’s property.
Florida’s minimum coverage requirements are lower than in many states. Most experts recommend buying coverage above Florida’s minimum limits — unless you drive an older vehicle you’ve paid off or one you can afford to repair out of pocket.
The state minimums may not provide enough protection if you cause a serious accident with significant injuries or property damage. Basically, if you cause an accident with medical bills or damage above Florida’s $10,000 limits, you’ll be responsible for paying everything else out of your own pocket.
And don’t forget, you’re not off the hook for full coverage if you finance or lease your car — lenders require comprehensive and collision coverage to protect their investment in your vehicle.
Buying auto coverage in Ocala doesn’t have to be difficult. Here are the answers to some of the most common questions about car insurance to help you get the best coverage for your budget.
Ocala drivers pay an average of $164 per month for car insurance, according to our data. The average liability coverage rate is $128 per month, and full-coverage policies average $201.
Yes. Our data shows that car insurance in Ocala is higher than the national average. Ocala drivers pay around $164 per month, while the national average is $136. It’s important to keep in mind that your actual premium can be higher or lower depending on personal factors, such as your address, driving history, age, and coverage choices.
Progressive offers the cheapest car insurance in Ocala, with an average rate of $91 per month, according to our data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
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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