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Car Insurance in Deltona-Daytona Beach-Ormond Beach, FL

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The Deltona-Daytona Beach-Ormond Beach is one of the most popular metropolitan areas 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.

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 Deltona-Daytona Beach-Ormond Beach area has something in store for everyone.

Quick Facts

  • The annual average cost of full coverage car insurance in Deltona-Daytona Beach-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.

How Much Does Car Insurance Cost in Deltona-Daytona Beach-Ormond Beach, FL?

The annual average cost of car insurance in Deltona-Daytona Beach-Ormond Beach 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 Florida Car Insurance 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. Luckily, there are many discounts you may be eligible for to keep monthly payments manageable.

Deltona-Daytona Beach-Ormond Beach Low Cost Car 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.

Deltona-Daytona Beach-Ormond Beach has nine zip codes. Here are the average monthly rates for each zip code:

Zip Code Average Monthly Car Insurance Rate for Full Coverage/Minimum
32114 $159/$61
32117 $159/$61
32118 $159/$61
32119 $153/$59
32124 $154/$59
32174 $154/$59
32176 $159/$61
32125 $159/$61
32138 $159/$58

Deltona-Daytona Beach-Ormond Beach Affordable Car 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
18 $508/$178
20 $314/$116
30 $159/$61
40 $156/$60
50 $144/$57
60 $140/$56
70 $151/$60

Methodology: To arrive at average costs, we used the following demographic profile: male, age 30, lowest possible legal coverage allowed by state. Many factors help determine your rates, including age, claims history, and the make and model of the vehicle you drive.

Driving Conditions in Deltona-Daytona Beach-Ormond Beach

How Many Fatal Accidents Happen in Deltona-Daytona Beach-Ormond Beach?

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 Deltona-Daytona Beach-Ormond Beach?

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.

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Minimum Car Insurance Requirements in Deltona-Daytona Beach-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 car 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 Deltona-Daytona Beach-Ormond Beach?

Deltona-Daytona Beach-Ormond Beach drivers 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, Deltona-Daytona Beach-Ormond Beach 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 Deltona-Daytona Beach-Ormond Beach Car Insurance Rates

Many factors determine the price of auto insurance premiums Deltona-Daytona Beach-Ormond Beach 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 in Deltona-Daytona Beach-Ormond Beach

To save money on car insurance, there are many discounts available for Deltona-Daytona Beach-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 policy. Some of these discounts include:

  • Pink icon of a document with a checklist

    Bundling

  • Green icon of a military man

    Military

  • Icon money in hand

    Full premium payment up front

  • Graphic of a man driving a car

    Defensive driving course

  • Icon refund growth

    Improve credit score

  • Blue icon of a blue car

    Lower mileage (WFH)

Find out what discounts you qualify for by contacting your insurance provider regularly.

Get a Quote for Cheap Auto Insurance in Deltona-Daytona Beach-Ormond Beach Today!

Beach and Ferris wheel at Daytona Beach
State law requires that all Deltona-Daytona Beach-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.

Freeway is here to help you find the best car insurance in Deltona-Daytona Beach-Ormond Beach, Florida. To get started, request a quote online, visit us at a Deltona-Daytona Beach-Ormond Beach office, or call us at (800) 777-5620 for a free, no-obligation consultation.