Best Auto Insurance Rates in Daytona Beach, Florida

On average your neighbors pay $98 a month.

Compare Auto Insurance in Daytona Beach

Friday, November 9 2018 By QuoteWizard

Daytona Beach’s reputation precedes it. Everyone loves spring break, and the Daytona 500. The Daytona 500 is only one of a number of races that Daytona Beach hosts every year. In fact, Daytona Beach is a haven for motorsports of all varieties. For drivers on and off the speedway, proper insurance is crucial. Professionals and amateurs alike need good coverage at a reasonable price. With QuoteWizard, you don’t have to be a NASCAR driver to get top-notch prices.

Average Daytona Beach Car Insurance Rates

How much is car insurance in Daytona Beach, FL? The cost of car insurance in Daytona Beach is higher than both the state and national average. The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.

Prices may vary depending on your driving record, policy limits, coverage, and the number of insurance claims filed in your zip code.

Florida Average Annual Car Insurance Rates
Coverage Rates
Liability $857.64
Collision $282.96
Comprehensive $116.53
Total Cost Per Year $1,185.25
Price Per Month $98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

Florida average car insurance rates

QuoteWizard helps consumers compare rates from both national insurance companies and local independent agents. QuoteWizard can help you find cheap car insurance rates near Daytona Beach, Florida and save up to 40% on your premium.

Last year, 3,642 people used QuoteWizard to compare auto insurance quotes in Daytona Beach, FL from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Daytona Beach, FL

This is our list of the most common car insurance companies reported by QuoteWizard users living in Daytona Beach, Florida last year. Of the 3,642 people who requested quotes, only 159 were uninsured.

  1. State Farm
  2. GEICO
  3. Allstate
  4. Progressive
  5. Esurance
  6. AAA
  7. USAA
  8. Liberty Mutual
  9. Farmers
  10. Travelers

Top 10 Vehicles

These are the most common car makes and models owned by Daytona Beach, FL drivers requesting car insurance quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Impala/Impala LS
  3. Ford Ranger
  4. Ford Mustang
  5. Honda Accord LX/EX
  6. Dodge Caravan
  7. Chevrolet Malibu/Malibu LS
  8. Toyota Avalon XL/XLS
  9. Chevrolet Blazer
  10. Kia Soul

Minimum Car Insurance Requirements in Daytona Beach, FL

Daytona Beach, Florida has a minimum liability coverage requirement known as the 10/20/10 rule. This means each policy must include at least the following two components:

  • Individual Bodily Injury Liability (BIL): $10,000.
    The maximum your insurance company will pay for one person injured in a car accident. It applies only to people named on your policy.
  • Total Bodily Injury Liability: $20,000.
    The maximum your insurer will pay will pay for everyone injured in a car accident. It applies to you and people not named on your policy.
  • Property Damage Liability (PIL): $10,000.
    The total your insurance carrier will pay for property damage caused by a car crash. This includes all physical damage such as vehicle damage and damage to road fixtures. If you hit a telephone pole or road sign, you’re covered.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

Weather

Daytona Beach enjoys a tropical humid climate and endures dry winters. On average residents can expect 230 sunny days and around 106 days with any measurable precipitation. Daytona Beach receives an average of 50.3 inches of rain annually and like the rest of Florida, it doesn't snow.

Road Conditions

TRIP reports that 52percent of the Daytona Beach's major roads have poor or mediocre pavement conditions. These road conditions costs drivers $468 a year in extra vehicle operating costs. These costs are a direct result of driving on rough roads that damage cars and waste gas because of delays due to congestion. They’re also a factor in car accidents.

Traffic Congestion

Traffic data provider Inrix has created a traffic scorecard that measures key factors of US cities’ traffic congestion. Daytona Beach commuters spend of 23 extra hours each year delayed in traffic, costing drivers $524 in congestion costs.

Moving Violations

Moving violations such as speeding tickets, red light infractions, failure to stop, and drunk driving can have a dramatic impact on your insurance rates.

Traffic Tickets

The Daytona Beach Police Department website allows you to pay traffic citations and tells drivers how to plead not guilty and contest tickets. You can also sign up for driver improvement school.

Daytona Beach DUIs

Getting a DUI can cause all kinds of problems, especially increasing your rates. After your rates go up, legal and financial woes can stick around for months. Brevard County Sheriff’s office provides DUI data and updates via its website.  At the end of the day, a DUI can typically cost between $10,000 and $15,000.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Daytona Beach DUI insurance.

Car Accident Statistics

Daytona Beach Police reported 2,133 motor vehicle crashes in 2016, resulting in 1,457 injuries. This was a small improvement over the 2,268 crashesd reported in 2015.

Traffic Fatalities

Traffic accidents and fatalities are more common in Daytona Beach than in nearby cities. During 2015, Daytona Beach Police reported 19 fatal car crashes that resulted in 20 fatalities. This was slightly worse than the 17 fatalities recorded in 2015.

Vehicle Theft Rates

Daytona Beach Police reported 399 motor vehicle thefts in 2016. This is a rate of 6.16 thefts per 1,000 residents. This was nearly triple the average rate for the US, which is 2.20 per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to Daytona Beach, FL drivers.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  5. Are you married or getting married soon? Some insurers offer a discount to married couples
  6. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount

Sources:

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