Best Car Insurance in Cocoa 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Cocoa.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
October 14, 2021
Chevrolet
Cobalt LT
3292229Progressive$100/mo.$73/mo.
October 15, 2021
Dodge
Ram 1500 ST
3292732Mercury$160/mo.$110/mo.
May 21, 2021
Honda
Accord EXL
3292625National General$250/mo.$121/mo.
March 20, 2021
Nissan
Altima 2.5
3292656Progressive$158/mo.$121/mo.
February 26, 2021
Chevrolet
Cruze LTZ
3292730Mercury$319/mo.$179/mo.
Here’s more information about what impacts the insurance rates in your Cocoa.

How much does car insurance cost in Cocoa?

Car insurance in Cocoa Florida costs single-car drivers an average of $4,273 annually, or about $356 per month. Compared to the state annual average of $3,359, auto insurance in Cocoa is $914 higher.
Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s a look at average savings for Jerry users in Cocoa compared to national averages.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Cocoa$4,251$2,419$3,263$2,145--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
CocoaNational Average
All Coverage Before Jerry
$4,251$3,223
All Coverage After Jerry
$2,419$2,143
Minimum Coverage Before Jerry
$3,263$3,086
Minimum Coverage After Jerry
$2,145$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Cocoa

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Here are average quotes for Jerry customers in Cocoa with different insurance carriers:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$8,270$5,425Compare Prices
Travelers$8,400$3,537Compare Prices
Allstate$8,400$2,622Compare Prices
Progressive$4,069$1,033Compare Prices
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What kind of car insurance you need in Cocoa

In Cocoa, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:

What determines your car insurance cost in Cocoa

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Cocoa, you could be paying as much as $41 more per month than an adult driver. These are average rates for Jerry customers in Cocoa broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$4,608$1,252
21-24$2,124$712
25-34$4,645$2,148
35-44$2,036$409
45-54$2,942$502
55-64$1,896$208
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Cocoa with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$5,389$2,836
Driving on Sus. License$3,828$1,083
Speeding under 15$2,922$656
Defective Equipment$1,200$300
Other$2,689$446
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Where in Cocoa you live

It may seem like insurance rates in Cocoa should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Cocoa, residents of 32926 will have the most expensive car insurance rates, while people who live in 32922 and 32927 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Cocoa:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 14, 202132922
Chevrolet
Cobalt LT
FL29Progressive$100/mo.$59/mo.
October 15, 202132927
Dodge
Ram 1500 ST
FL32Mercury$160/mo.$110/mo.
September 10, 202132926
Lexus
GS 300
FL29Mercury$170/mo.$118/mo.
September 29, 202132922
Nissan
Altima 2.5
FL29Progressive$199/mo.$125/mo.
October 13, 202132927
Mazda
CX-5 Touring
FL52Mercury$181/mo.$132/mo.
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Why is car insurance in Cocoa so expensive?

A variety of considerations determine baseline car insurance rates in Cocoa. Insurance companies often consider the following:

Inclement weather

If you are in a city that is prone to severe winter storms, tornadoes, hurricanes, hail, or other extreme weather events, your auto insurance rates are likely to be higher. Insurance companies consider the risk of making multiple payouts at once due to a natural disaster and will raise their premiums to offset those costs.

Congested roadways

A city’s population density, number of commuters, and average commute times all contribute to how many cars are on the road. If you’re in a city with a lot of traffic, there is a greater likelihood there will be collisions. Because of this, insurance companies will charge higher premiums for drivers in those areas.

Crime rate

Property crime rates will have a major impact on your car insurance premiums. If you are in a city with a high incidence of auto theft or vandalism, you could see your auto insurance rates skyrocket. Insurance providers will offset the risk of making large comprehensive claims payouts by charging higher premiums.

How can you save money on car insurance in Cocoa?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. Consider looking for discounts to save even more money. Discounts are a great way to lower your coverage costs. Most providers offer some discounts, so it’s a good idea to ask your agent what may be available. Here are some common discounts: Customer loyalty (e.g. bundling, early renewal) Demographic (e.g. good student, senior) Driver affiliations (e.g. military, affinity) Driving history (e.g. accident-free, safe driver) Driver training (e.g. defensive driver course) Equipment-related (e.g. anti-theft, new car) Payment (e.g. auto-pay, paperless) Defensive driver (e.g. taking a defensive driving course)
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