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Updated on Nov 21, 2024

Kianna Walpole

Expert Insurance Writer & Editor

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance in Apopka
Best car insurance companies in Apopka
Best cheap car insurance quotes in Apopka
Average cost of car insurance in Apopka by zip code
Car insurance quotes in Apopka by rating factors
How do different factors impact your car insurance costs in Apopka?
How to lower car insurance costs in Apopka
FAQ
Methodology
Meet our experts

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How to find the cheapest car insurance in Apopka

On average, car insurance in Apopka costs about $145 per month for minimum coverage liability insurance, and about $320 per month for full coverage insurance. Apopka drivers pay 18% less than the average rate in Florida for the state minimum, but 2.5% more for full coverage.

Coverage type	Apopka, FL	Florida	United States
State minimum	$145	$174	$77
Full coverage	$320	$312	$165

With hundreds of providers and thousands of

car insurance

products on the market, finding the right coverage—let alone the right price!—can be challenging.

Jerry

helps you compare quotes and makes finding

cheap car insurance in Florida

and Apopka quick and hassle-free!

To help you get started, we reviewed some of the best providers in Apopka. Here are the results for the cheapest providers in the city:

Cheapest car insurance companies in Apopka, FL

Overall standout: Nationwide

$24/month for liability-only, $139/month for full coverage

Best for minimum coverage: Metlife

$92/month on average

Best for full coverage: State Auto

$125/month on average

Compare car insurance quotes now

Best car insurance companies in Apopka

Looking for the cheapest car insurance rates in Apopka? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.

We asked over 15,000 real policyholders about their experience with their current provider. Using a 5.0 rating scale, Apopka drivers scored their insurers in terms of customer satisfaction, cost-effectiveness, and claims handling so other drivers can find the best companies in their area.

The table below shows the insurers who received a 4.0 or higher overall score, and have lower than average full and minimum coverage costs.

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost	Cost rating	Overall Jerry rating
Nationwide	$24	$139	4.5	4.2
State Auto	$70	$125	4.3	4.4
Gainsco	$97	$162	4.0	4.4
Progressive	$117	$299	3.9	4.2
Direct Auto	$201	$240	3.8	4.0

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

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Sean S.

| Verified Jerry Customer

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Best cheap car insurance quotes in Apopka

Florida’s car insurance laws

oblige drivers to carry a minimum amount of

personal injury protection (PIP)

and

property damage liability (PDL)

to legally drive.

PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed. When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense.

Cheap minimum liability insurance quotes in Apopka

You need both PIP and PDL to drive in Apopka because Florida is a

no-fault state

. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage.

If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in Apopka.

Here are some of the top providers in Apopka for affordable liability coverage:

Insurance company	Monthly minimum coverage cost
State Auto	$70
Metlife	$92
Gainsco	$97
Progressive	$117
Mercury Auto	$120
Infinity	$137
Allstate	$148

Do you need more than minimum coverage in Apopka?

The state's minimum liability coverage is insufficient for most Apopka drivers.

If you cause a serious injury to somebody else in Apopka, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require bodily injury liability car insurance, you could be at serious risk of a lawsuit if the other driver's PIP runs out. The same goes for PDL.

Florida’s car accident laws

allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key.

It's a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.

Cheap full coverage car insurance quotes in Apopka

Full coverage car insurance

is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both

collision

and

comprehensive coverage

. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.

Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.

Although full coverage costs are more expensive than liability-only policies, drivers in Apopka generally find cost-effective rates with these providers:

Insurance company	Monthly full coverage cost
State Auto	$125
Nationwide	$139
Gainsco	$161
Mercury Auto	$180
Travelers	$204
Safeco	$257
Progressive	$299

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online. Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Apopka by zip code

Your zip code tells your car insurance provider where to send your bills, but it also hints at how likely you are to make a claim.

How? Some zip codes are “riskier” than others, either because of a high rate of congestion, crime, or car accidents (or all three). Take a look at these Apopka ZIP codes to see if you could be paying more for car insurance based on your location:

ZIP code	Monthly coverage cost
32703	$272
32712	$293

Compare car insurance costs in other states

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South Carolina car insurance

Alabama car insurance

Mississippi car insurance

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Louisiana car insurance

Virginia car insurance

Car insurance quotes in Apopka by rating factors

Is car insurance calculated

at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for Apopka car insurance:

Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.

Vehicle location: Some ZIP codes come with higher rates.

Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.

Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.

Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.

How do different factors impact your car insurance costs in Apopka?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Apopka:

Cheap car insurance quotes in Apopka after driving violations

Your

Florida driving record

can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or

reckless driving in Florida

makes it harder to find an affordable rate in Apopka, it’s not impossible.

Cheapest car insurance in Apopka after speeding ticket

Florida speeding tickets come in several different flavors, each with a different amount of driver violation points:

1-5 MPH over limit: No points

6-9 MPH over limit: 3 points

10-14 MPH over limit: 3 points

15-19 MPH over limit: 4 points

20-29 MPH over limit: 4 points

30 MPH or more over limit: 4 points and mandatory court appearance

The more severe the offense, the more you’ll pay for car insurance. In spite of this, you can still find lower than average car insurance rates with these insurers:

Insurance company	Monthly coverage cost
Mercury Auto	$183
AAA	$193
Clearcover	$200
Bristol West	$213
Gainsco	$243
Progressive	$267
Dairyland	$316

Cheapest car insurance in Apopka after DUI

Committing a

DUI in Florida

can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.

If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Take a look at some of the cheapest providers for drivers with a DUI in Apopka:

Insurance company	Monthly coverage cost
Mercury Auto	$107
Gainsco	$256
Progressive	$277
Bristol West	$280
Dairyland	$297

Cheapest car insurance in Apopka after an at-fault accident

Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.

If you have been involved in an at-fault accident in the recent past, your car insurance rates in Apopka could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.

Check out a few of the top insurers for lower rates after an at-fault accident in Apopka:

Insurance company	Monthly full coverage cost
Gainsco	$135
Embark General	$155
Mercury Auto	$166
Progressive	$300
Bristol West	$352
National General	$374

And for those seeking a minimum coverage policy, you can find cheaper premiums with these insurers:

Insurance company	Monthly minimum coverage cost
Kemper	$68
Embark General	$76
Mercury Auto	$81
Assurance America	$91
Gainsco	$95
Progressive	$99
Bristol West	$134

Cheapest car insurance in Apopka after other driving violations

Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Apopka, including careless driving, driving without a license, and reckless driving.

When it comes to more serious violations, such as careless driving, insurers including Direct Auto ($125/month),

National General

($175/month), and

Mercury Auto

($196/month) offer the cheapest rates. However, for more minor infractions, such as a seatbelt violation, drivers may find the best premiums with

Assurance America

($115/month).

We’ve compiled a list of various other driving violations along with some of the best providers in Apopka to help drivers with these violations save on their car insurance.

Violation	Top insurance provider	Monthly coverage cost
No seat belt	Assurance America	$115
Cell phone use	Dairyland	$120
Careless driving	Direct Auto	$125
Improper passing	Infinity	$126
Driving on suspended license	Nationwide	$143

Cheap car insurance quotes in Apopka by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates.

Here are the average premium amounts drivers of different age groups pay for coverage in Apopka:

Age group	Monthly minimum coverage cost	Monthly full coverage cost
<18	$479	$655
18-21	$336	$470
22-25	$186	$286
26-34	$150	$240
35-44	$156	$240
45-54	$140	$240
55-64	$126	$187
65+	$113	$218

Cheapest car insurance in Apopka for young drivers

In Apopka, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group.

The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.

Take a look at the table below to see some of the best options for car insurance for teen drivers in Apopka, Florida:

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost
Assurance America	$281	$474
Progressive	$282	$506
Bristol West	$335	$875
Dairyland	$358	$875
Mercury Auto	$408	$769

Cheapest car insurance in Apopka for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-54 see some of the cheapest rates for all age demographics.

While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts, bundling policies, and comparing rates with some of the top providers in their area.

If you're a driver between the ages of 25 and 54, here are some of the premium costs you could pay with these insurers:

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost
Gainsco	$98	$160
Mercury Auto	$118	$160
Progressive	$118	$231
Travelers	$167	$234
National General	$180	$263

Cheapest car insurance in Apopka for senior drivers

Similar to teenage drivers,

car insurance rates for senior drivers

are generally higher than the national average. In Apopka, senior motorists pay less for minimum coverage, but higher rates for full coverage. This may be due to the fact that:

Senior drivers have a higher likelihood of being involved in car accidents

Accidents involving senior drivers typically result in more severe injuries and increased medical expenses

However, just like teens, senior drivers can also continue to save on car insurance with the following insurers:

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost
Mercury Auto	$59	$114
Infinity	$81	$131
Progressive	$87	$164
Assurance America	$85	$279
Safeco	$98	$204

Cheap car insurance quotes in Apopka based on insurance history

If you've had a car insurance lapse or you're currently uninsured, it can lead to higher car insurance rates.

To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they're late on their payments.

We've helped many customers in Apopka who are currently uninsured or have had a lapse in coverage find affordable insurance options.

We've helped many customers in Apopka who are currently uninsured or have had a lapse in coverage find affordable insurance options. The tables below show some of the cheapest providers for full and minimum coverage in Apopka, Florida after an insurance lapse:

Insurance company	Monthly full coverage cost
Nationwide	$154
Gainsco	$167
Safeco	$208
Infinity	$240
Travelers	$243

However, if you'd prefer a minimum coverage policy, there are also insurers that supply cheaper than average coverage after a lapse:

Insurance company	Monthly minimum coverage cost
Nationwide	$44
Gainsco	$93
Kemper	$109
Mercury Auto	$111
Progressive	$133
Travelers	$154
Allstate	$190

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Gainsco has given the cheapest price on vehicle insurance as well as kept their word on the quote.

Anna

Very happy with National Generals service. Was skeptical at first but they are great!

Jessica

I searched for good car insurance and Progressive was the best deal I could find by far!

Alyssa

Mercury auto insurance is the most affordable option and the service has been excellent.

Sean

Cheap car insurance quotes in Apopka for drivers with poor credit

While your credit rating doesn't necessarily reflect your driving ability, Apopka drivers with credit scores below 700 tend to face higher car insurance costs than those with higher ratings.

Credit score	Monthly coverage cost
< 600	$182
601-699	$300
700+	$136

However, if you have a credit score under 700, you can still find lower than average car insurance premiums with these trusted providers:

Insurance company	Monthly coverage cost
Assurance America	$115
National General	$116
Mercury Auto	$123
Safeco	$155
Dairyland	$211

Cheap car insurance quotes in Apopka for popular cars

If you want to save on car insurance, avoid sports cars, luxury SUVs, and high-performance models. These vehicles might be beautifully-made, but they cost a ton to repair, and thus insure.

Insurance companies look at a vehicle’s cost of repairs and replacements, likelihood of theft, and safety ratings when determining its insurance premiums.

For example, some drivers may find the cheapest rates for a 2022 Toyota Camry SE with Plymouth Rock ($101/month) or

Mercury Auto

($123/month). On the other hand, 2022 Honda Accord SE owners generally find lower premiums with

Progressive

($110/month) and Clearcover ($141/month).

To find your cheapest rate for your vehicle, start by looking at the top providers for some of the most popular model types in Apopka:

Vehicle type	Top insurance provider	Monthly full coverage cost
Toyota Camry SE	Plymouth Rock	$101
Honda Accord SE	Progressive	$110
Ford F-150	Clearcover	$111
Nissan Altima	Mercury Auto	$137
Chevrolet Silverado	Progressive	$195

MORE:

How different kinds of cars affect your car insurance rates

How to lower car insurance costs in Apopka

1. Shop around and compare quotes

You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend

shopping for car insurance quotes

from at least three different companies every six months.

Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?

MORE:

How do I get multiple car insurance quotes at once?

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2. Hunt for car insurance discounts

You can make an okay rate into a great one with the right

car insurance discount

. See if your provider offers a program for:

Good drivers. If you’ve held a

clean driving record

for at least three years, you’re due for some sweet discounts.

Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!

Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

Bundling insurance products.

Bundle your car and home insurance

and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Apopka?

People living in Apopka pay on average $145 per month – or $1,740 per year – on state-minimum liability coverage. Full coverage in Apopka costs on average $320 per month or $3,840 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Apopka?

There is no single provider that will carry the ‘best’ or ‘cheapest’ rates in Apopka. However, most drivers in the city find the most affordable rates with

Nationwide

, Metlife, and

Safeco

What is the best car insurance in Apopka?

Drivers in Apopka, Florida can find cost-effective full coverage insurance with insurers including

Nationwide

State Auto

, and Gainsco. For minimum coverage, the lowest policies often can be found with

State Auto

, Metlife, and Gainsco.

What is the minimum car insurance in Apopka?

The state-minimum car insurance in Apopka, Florida is $10,000 of personal injury protection coverage and $10,000 of property damage liability coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

Kianna Walpole

Expert Insurance Writer & Editor

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

Sarah Gray

Licensed Insurance Agent — Expert Insurance Writer and Editor

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.

Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.