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Cheapest Car Insurance Rates in Ocala, florida

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Driving Conditions in Ocala, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

116Rainy Days a Year
64 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Ocala, florida Car Insurance Rates by Provider

There are many car insurance providers in Ocala, Florida to choose from, so it is best to compare rates and coverage options to find the best policy for you. The top providers in the area include Geico, Progressive, State Farm, Allstate, and USAA. Each company offers a variety of discounts and coverage options, so it's important to compare the rates and coverage to find the best fit for your needs. White Chip Insurance has established relationships with all these carriers so we can ensure you will receive cheap car insurance in Ocala.

ProviderAverage Annual Rate
State Farm$1,413

Ocala, florida Car Insurance Rates by Age

Car insurance rates in the city of Ocala are going to differ depending on the age of the driver. Usually, insurance companies will require younger drivers to pay higher premiums due to age qualifying as a risk factor when insurance companies are determining premiums. White Chip Insurance commits to providing cheap car insurance in Ocala to all drivers, no matter their age.

AgeAverage Annual Rate

Ocala, florida Car Insurance Rates by Gender and Marital Status

While most states have laws that prohibit insurance companies from using gender as a basis for determining insurance rates and most of Ocala will not tolerate gender biased insurance rates, it is still a possibility. Throughout Florida, you will typically find that female drivers pay more for car insurance, married couples pay less than single drivers, and widowed or divorced drivers will pay slightly higher rates than both. White Chip Insurance will ensure to find you affordable car insurance no matter which categories you fall into.

Gender and Marital StatusAverage Annual Rate

Ocala, florida Car Insurance Rates by Driving Record

For insurance companies, there is much to consider when determining car insurance rates. A drivers driving record might be one of the weightiest considerations of them all. You will typically find discounts and lower premiums associated with clean driving records and you will typically find the opposite with faulty driving records. On average, Ocala, Florida offers a rate of $1,946 for a clean driving record and as high as $3,077 for a faulty record.

Driving RecordAverage Annual Rate
Reckless Driving$3,077
At-fault Accident (damages less than $1,000)$3,122
At-fault Accident (damages greater than $2,000)$3,225
Speeding Ticket (16-20mph over speed limit)$3,368

Ocala, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Ocala, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$5,040
580 - 669$3,047
670 - 739$2,286
740 - 799$2,115
800 - 850$1,886

Cheapest Area Codes in Ocala, florida

Some zip codes in Ocala, Florida are more expensive due to their proximity to desirable areas with better job prospects, educational opportunities, and access to amenities such as shopping, dining, and entertainment. Other factors that can contribute to higher prices in certain areas include quality of schools and safety of the neighborhood. The most expensive zip code in Ocala, Florida is 34479, with an average home value of $200,000. The least expensive zip code in Ocala, Florida is 32617, with an average home value of $165,000.

Most Expensive Ocala, florida ZIP Codes

34479, 34475, 34482, 34481, 34470

Least Expensive Ocala, florida ZIP Codes

32686, 34480, 32617, 34432, 34476

Local Amenities in Ocala, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Ocala, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institue, the average cost of car insurance in Florida is $1,939 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Ocala is $2,990.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, such as hurricanes and floods, as well as a high rate of car theft. Additionally, Florida is a no fault state, meaning that drivers are personally responsible for their own medical expenses regardless of who is at fault in an auto accident. All of this leads to an increase in the cost of various insurance rates in the state of Florida.

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How much is car insurance near Ocala, FL?
MiamiFort LauderdaleOrlando
St. PetersburgHialeahHollywood
Cape CoralPembroke PinesPort St. Lucie
Miami GardensGainesvilleCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates