The Daytona Beach, Deltona and Ormond Beach area is one of the most popular metropolitan ones in Florida. Daytona Beach has long been known as a racing haven, as it’s the home of the $400 million Daytona International Speedway, the Motorsports Hall of Fame of America, and world-class festivals like the Bike Week/Biketoberfest and the Halifax Art Festival. It also has a lot of drivers, so having good car insurance in Florida is definitely a must. With access to a wealth of information and the ability to compare the best rates, drivers can make informed decisions about the best way to plan to protect themselves on the road.
Head over to quieter Deltona and enjoy more than 80 lakes and 19 parks spanning more than 150 acres. Gemini Springs Park is a hot spot for horseback riding trails and camping. For the least busy destination, head to Ormond Beach. Located north of Daytona Beach, there are endless cultural and entertainment opportunities centered around Granada Boulevard’s historic downtown.
For a little bit of everything, the Daytona Beach, Deltona and Ormond Beach area has something in store for everyone. With access to low rates and a wide range of options for auto insurance coverage, residents can feel confident that they are getting the best coverage for their needs and budget.
- The annual average cost of full coverage auto insurance in Daytona Beach, Deltona and Ormond Beach is $1,908 per year.
- In 2019, there were four fatal car crashes/road traffic accidents in Deltona, 29 in Daytona Beach, and 10 in Ormond Beach.
- For 2021 Volusia County, where all 3 areas are located, had a total of 147 fatalities due to crashes, which is 4% of the state’s fatalities (3,741).
How Much Does Car Insurance Cost in Daytona Beach, Deltona and Ormond Beach, FL?
The annual average cost of auto insurance for these cities is $1,908 for full coverage per year. This is much higher than the national average of $1,674 and lower than the state average of $2,364. Your exact cost will depend on several factors, most notably your age, gender, driving history, and make and model of the vehicle you drive. Driving history ties into your claims record. The higher the number of claims, the higher your rates.
Full comprehensive, collision, and property damage policies above the state minimums provide greater peace of mind in the event of an accident. It’s a good idea to speak with an insurance agency to determine what type of insurance coverage you need and what changes, if any, you can make to lower your rate.
Luckily, there are many discounts you may be eligible for to keep monthly payments manageable. Be sure to ask about discounts for good driving records, multiple vehicles on a policy, safety features, and more. Additionally, collision insurance can be added to your policy for extra protection.
Daytona Beach, Deltona and Ormond Beach Affordable Insurance Rates by Zip Code
One way auto insurers assess rates is by zip code. The higher the incident rate within a certain geographic region, the higher the rates.
Daytona Beach, Deltona and Ormond Beach have nine zip codes between them. Here are the monthly average rates for each zip code:
|Zip Code||Average Monthly Car Insurance Rate for Full Coverage/Minimum|
Daytona Beach, Deltona and Ormond Beach Affordable Insurance Rates by Age
Some age ranges pay higher premiums than others due to an overall higher risk profile. For example, Daytona Beach drivers ages 16-19 pay double or close to double the average monthly rates than drivers in 20s, 30s, and 40s.
Here are the average monthly rates for each age group:
|Age||Average Monthly Car Insurance Rate for Full Coverage/Minimum|
Methodology: To arrive at average costs, we used the following demographic profile: male, age 30, lowest possible legal coverage allowed by Florida. Many factors help determine your rates, including age, claims history, and the make and model of the vehicle you drive.
Driving Conditions in Daytona Beach, Deltona and Ormond Beach
How Many Fatal Accidents Happen In the Area?
In 2019, there were four fatal car crashes/road traffic accidents in Deltona, 29 in Daytona Beach, and 10 in Ormond Beach. A significant percentage of these fatal accidents involved drunk people and pedestrians.
How Are the Road Infrastructure and Bridges in the Area?
With more than 600,000 residents calling it home, infrastructure in Deltona-Daytona Beach-Ormond Beach area is constantly undergoing revision. Grants and other funds are funneled toward public infrastructure, neighborhood enhancements, and popular redevelopment areas.
What About Climate?
Florida is known for its hot climates and great beaches. However, it’s also known for very strong thunderstorms depending on where you live. Specifically for Daytona Beach, it can get 51 inches of rain on average, per year. That’s 13 inches more than the US average of 38. When all is said and done, Daytona Beach can have an average of 119 days with precipitation per year.
On the other hand, Ormond Beach can have up to 50 inches of rain on average per year. That’s normally done in 114 days with precipitation. Deltona can have up to 46 inches of rain per year. What they all have in common is that August tends to be the rainiest month. Be prepared to drive in rainy weathe! Be it with mindful driving or roadside assistance, better safe than sorry.
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Minimum Car Insurance Requirements in Daytona Beach, Deltona and Ormond Beach
Here are the state minimum liability requirements for Florida:
- Personal Injury Protection (PIP): $10,000
- Property Damage Liability (PDL): $10,000
Florida is considered a “no-fault” insurance state. Under a no-fault insurance state, your own insurance company pays for your claim, regardless of who is at fault for an accident. Note, no-fault systems do not typically see compensation given to non-economic items, such as “pain and suffering.”
As of this writing, there are 12 no-fault states. They are Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kentucky, Massachusetts, Minnesota, North Dakota, and Utah.
If you are leasing a vehicle, keep your lender or finance company in mind. Sometimes, they request higher liability limits than state minimums.
What Are the Penalties for Driving Without Insurance in Daytona Beach, Deltona and Ormond Beach?
Drivers from this area face plenty of reinstatement fees and administrative headaches if caught driving without insurance. First-time and subsequent offenders can expect reinstatement fees ranging anywhere from $150 to $500, and may face a suspended license and registration for three years.
If uninsured in an accident, drivers who are determined to be at fault can expect to file for an SR-22 certificate, a proof of insurance subject to higher premiums. Florida Financial Responsibility Law will also require that you include bodily injury liability coverage much higher than the minimum bodily injury limits. Remember, Florida law requires that all drivers have a minimum of $10,000 in property damage liability and $10,000 in personal injury protection.
Factors Allowed in Daytona Beach, Deltona and Ormond Beach Car Insurance Rates
Many factors determine the price of auto insurance premiums these cities’ drivers pay. These factors include your age, gender, zip code of residence, driving record, and claims history. It even factors in qualifiers you would least expect, such as credit score and marital status.
Remember, keeping a safe driving record with no claims is your best bet to keeping premiums low.
Discounts for Car Insurance Available
To save money on insurance, there are many discounts available for Daytona Beach, Deltona and Ormond Beach drivers. They cover different focus areas, such as vehicle safety, responsible payers and multiple policy discounts, which allows drivers to bundle auto insurance with homeowners for savings off each auto policy. Some of these discounts include:
Find out what discounts you qualify for by contacting your insurance provider regularly.
Get a Quote for Cheap Auto Insurance in Daytona Beach, Deltona and Ormond Beach Today!
State law requires that all Daytona Beach, Deltona and Ormond Beach drivers carry auto insurance. Cheap car insurance has never been closer. Let Freeway Insurance assist you in finding the right coverage for your needs. Protect your vehicle, wallet, but most importantly, you and your family from an unpleasant experience on the road.
Freeway is here to help you find the best car insurance in Daytona Beach, Deltona and Ormond Beach, Florida. To get started, request a quote online, visit us at one of our many offices, or call us at 888-767-4241 for a free, no-obligation consultation with an insurance agent.