Best Auto Insurance Rates in Port Orange, Florida

On average your neighbors pay $98 a month.

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Port Orange is lovely city on the Atlantic side of Florida’s panhandle, known for beautiful botanical gardens, world-class golf, and exciting scuba and snorkeling. The childhood home of Vince Carter and Ryan Lochte is truly a wonderful place to live. Port Orange residents shouldn’t have to deal with the headache of overpaying for car insurance.

Average Port Orange Car Insurance Rates

How much is car insurance in Port Orange, FL? The average cost of insurance coverage in Port Orange 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 policy limits, driving record, 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 quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Port Orange, Florida and save up to 40% on your premium.

Last year, 1,435 people used QuoteWizard to compare quotes from multiple companies and get the cheapest auto insurance rates in Port Orange, FL.

Best Car Insurance Companies in Port Orange, FL

This is our list of the most common car insurance companies reported by QuoteWizard users living in Port Orange, FL last year. Of the 1,435 people who requested quotes, only 31 did not have insurance.

Top 10 Vehicles in Port Orange

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

  1. Ford F150
  2. Ford Mustang
  3. Chrysler PT Cruiser
  4. Ford Focus SE
  5. Ford Ranger
  6. Toyota Corolla
  7. Toyota Camry
  8. Dodge Caravan
  9. Hyundai Sonata GLS
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Port Orange, FL

Port Orange, Florida has a minimum coverage requirement known as the 10/20/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $10,000.
    This is the most 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.
    This is the most your insurance company will pay in total for everyone injured in a car accident. It applies to you and people not named on your policy.
  • Property Damage Liability (PIL): $10,000.
    This is the most your insurance company 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.

Port Orange drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Port Orange, FL experiences a sub-tropical climate with long, hot summers and mild winters. Residents can expect 225 sunny days and around 108 days with any measurable precipitation. Palm Coast receives an average of 52 inches of rain a year. It almost never snows in this area.

Road Conditions

TRIP reports that 63% of the major roads in the area have poor or mediocre pavement conditions. These road conditions costs drivers $387 a year in extra vehicle operating costs, on average. 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 reported that the Palm Coast-Daytona Beach- Port Orange area resident commuters experience delays of 20 hours annually. These delays cost area commuters an average of $471 per commuter in congestion costs.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.

Traffic Tickets

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

Port Orange 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 and 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 Port Orange DUI insurance.

Car Accident Statistics

Port Orange Police recorded 658 motor vehicle crashes in 2016 resulting in 426 injuries. This is an small improvement over the 693 car accidents reported in 2015.

Traffic Fatalities

Port Orangeexperienced eight fatal crashes in 2016. This was a huge increase over the three fatalities in 2015.

Vehicle Theft Rates

Port Orange reported 45 vehicle thefts in 2016. This is a rate of .75 thefts per 1,000 residents. This is lower than the rate for the US as a whole—2.20 per 1,000 people. With an estimated population of 61,105, this is an extremely low rate.

Save With Car Insurance Discounts

Discounts are one of the best ways to lower your insurance rates. Below are some of the many auto insurance discounts available to Port Orange drivers. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Safe driver. If you have a perfect driving record, with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  7. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  8. Are you married or getting married soon? Some insurers offer a discount to married couples
  9. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  10. Shop around and compare Port Orange car insurance rate quotes

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