Cheapest car insurance in Apopka, Florida (May 2024)

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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

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
United States
State minimum
Full coverage
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.
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

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

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.
Lower my car insurance too!

Best cheap car insurance quotes in Apopka

Florida’s car insurance laws
oblige drivers to carry a minimum amount of
personal injury protection (PIP)
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

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
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
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 codeMonthly coverage cost

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

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

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

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
Embark General
And for those seeking a minimum coverage policy, you can find cheaper premiums with these insurers:
Insurance company
Monthly minimum coverage cost
Embark General

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
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.
Top insurance provider
Monthly coverage cost
No seat belt
Cell phone use
Careless driving
Improper passing
Driving on suspended license

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

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

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

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

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
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

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
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

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?

 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.


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 
, Metlife, and 

What is the best car insurance in Apopka?

Drivers in Apopka, Florida can find cost-effective full coverage insurance with insurers including 
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 ApopkaFlorida is $10,000 of personal injury protection coverage and $10,000 of property damage liability coverage.


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
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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
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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
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Head Of Insurance Operations
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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.