8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Cheapest recent rates near Apopka, Florida
Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $81/mo for full coverage in Apopka and other Florida cities.
*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on May 2, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Apopka, Florida within the last 10 days. Last updated on May 2, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average total monthly cost of car insurance in Apopka is $256, compared to the national average of $159 per month. Car insurance rates tend to be higher in Florida, and factors like population density, commute time, and accident frequency all likely affect rates in Apopka.
Driver-specific factors such as driving history, age, gender, vehicle make and model, and more also influence car insurance costs, so it’s important to compare quotes from multiple insurers to find the best deal available to you.
Quick Facts
Apopka drivers pay a monthly average of $302 for full-coverage car insurance and $209 for liability-only coverage.
State Farm, GEICO, and Hugo offer the cheapest car insurance in Apopka.
The city’s relatively high population density of more than 1,500 people per square mile also affects car insurance rates.
3 of the cheapest car insurance companies in Apopka
If you’re looking for the best car insurance companies in Apopka, cost is probably one of your top factors in consideration. Though the price of a policy depends on your insurance needs, driving record, and other factors, you can typically find a good deal on car insurance.
Hugo, State Farm, and GEICO offer the best car insurance at affordable rates in Apopka. Here’s what you need to know about each insurer.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Hugo
3.3
$105
$77
Cheap rates
State Farm
4.5
$81
$71
Drivers with an accident
GEICO
4.2
$83
$72
Teen drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$77/mo
Launched in 2021, Hugo is a car insurance company that offers on-demand coverage. Drivers can get coverage for periods between three days and six months. The company doesn’t advertise discounts, but customers can turn coverage on and off as needed, depending on their chosen plan. The company has an average rating of 4.8 on Trustpilot. Hugo primarily sells liability-only coverage, but a full-coverage plan is also available.
Pros
Some of the lowest average liability rates in Apopka
You can pause coverage as needed and only pay for the days you drive
Cons
On-demand coverage only available for liability coverage plans
My car's registration has been suspended because Hugo failed to report to the state that I have insurance.
Ronald - March 8, 2024
Verified
Hugo gradually increases prices like other insurance companies
I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.
Leo - March 4, 2024
Verified
Great Option for Liability Coverage
Excellent.
Best insurer for drivers with an accident: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$69/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$80/mo
State Farm offers competitive rates for Apopka drivers with an at-fault accident on their record. The company has an AM Best financial strength rating of A++ (Superior) and a below-average number of complaints, according to the National Association of Insurance Commissioners (NAIC) complaint index.
Pros
Competitive rates for drivers with high-risk violations
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$71/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$82/mo
GEICO has affordable pricing for teenage drivers, an age group that pays the most expensive rates. Due to the company’s extensive list of discounts, it’s possible to secure coverage for less. GEICO has an AM Best financial strength rating of A++ (Superior) and a below-average number of complaints on the NAIC complaint index.
Pros
Accident forgiveness coverage available
Solid pricing for drivers who typically face high prices due to age or previous violations
We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!
Elizabeth - April 25, 2024
Verified
Excellent
It has always been great.
Andrew - April 24, 2024
Verified
AI-Run, Money-Hungry Company
The customer service is poor and very unprofessional. It's impossible to speak to an agent.
…
How to get the cheapest car insurance in Apopka
You can’t control some factors that affect car insurance rates, like your age and location. But you can take steps to lower your car insurance costs.
Raise your deductible. If you opt for a higher insurance deductible, you can often decrease the cost of coverage. But make sure you can afford the deductible in the event of an accident.
Enroll in a defensive driving course. Some insurers allow customers to lower their coverage costs by enrolling in a defensive driving course. After you complete the course, you may qualify for a discount.
Qualify for discounts. Check with your insurance company about potentially available discounts. There are usually a handful of options, including a loyalty discount, a good student discount, or a bundle discount for home, auto, and life insurance.
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Cheapest liability-only car insurance in Apopka: State Farm
If you cause an accident, liability insurance covers damage to the other vehicle and medical expenses for the other driver.[1] The minimum-coverage requirements vary from state to state, but Florida does mandate coverage for residents.
The average cost of liability-only coverage in Apopka is $209 per month, but you may find more attractive deals from the companies in the table below.
The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
69
GEICO
71
Hugo
77
Allstate
120
Safeco
132
Mile Auto
134
Travelers
143
Mercury
149
Liberty Mutual
157
Direct Auto
160
Midvale Home & Auto
178
Progressive
181
Infinity
203
Foremost
213
Dairyland
216
AssuranceAmerica
236
Bristol West
279
National General
311
The General
319
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Apopka: State Farm
Full-coverage car insurance includes comprehensive, collision, and liability protection. A full-coverage policy can help pay to repair or replace your vehicle in case of an accident or covered event, regardless of who’s at fault.
Full coverage averages $302 per month in Apopka, but drivers may find cheaper rates from the following companies.
The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
80
GEICO
82
Hugo
87
Allstate
139
Travelers
167
Mercury
175
Safeco
180
Mile Auto
186
GAINSCO
219
Infinity
237
Liberty Mutual
240
Midvale Home & Auto
256
Direct Auto
257
Progressive
257
National General
313
Foremost
314
AssuranceAmerica
322
Dairyland
384
Bristol West
399
The General
453
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
You should think about buying additional coverage because the minimums don’t typically cover the costs of an accident.
“The average car cost of a new car is [between] $48K and $55K, depending on what source you quote,” explains Earl Jones, insurance agent and owner of his own insurance agency in California. If you only have the minimum liability insurance, you may quickly run out of coverage and need to pay the remaining expenses out of pocket.
You can add the following protection options as single policies or select a full-coverage policy that includes all three.[3]
Collision coverage
Regardless of fault, collision insurance covers the costs of your vehicle repairs.
Uninsured/underinsured motorist coverage
If the other driver causes an accident and doesn’t have adequate coverage, uninsured/underinsured motorist coverage can pay for your costs associated with the accident.
Comprehensive coverage
Comprehensive insurance provides protection if your car sustains damages due to a non-collision accident, like vandalism, theft, or hail.
Cheapest car insurance for drivers with an incident: State Farm
Your car insurance costs can increase due to driving incidents like a driving under the influence (DUI) charge, speeding ticket, or an at-fault accident.[4] These incidents indicate to insurers that you might file a claim in the future, which makes you more expensive to insure.
The overall average monthly rate for Apopka residents with an incident on their record is $248.
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Monthly rates start at $79 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Insurance rates usually increase after a speeding ticket.[5] Because of that, you should compare quotes from different insurers to find the best deal.
The average monthly cost of full coverage with a ticket in Apopka is $358, while liability-only policies average $248 with a ticket. The following table shows the average monthly costs of top insurers for Apopka drivers with speeding tickets on their records.
The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
69
79
GEICO
71
83
Hugo
77
99
Allstate
120
140
Safeco
132
167
Mile Auto
134
172
Travelers
143
170
Mercury
149
204
Liberty Mutual
157
198
Direct Auto
160
192
Progressive
181
219
Infinity
203
246
Dairyland
216
261
AssuranceAmerica
236
294
Bristol West
279
333
National General
311
364
The General
319
388
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you cause an accident or other auto incident, you probably have an at-fault accident on your driving record. As a result, your monthly auto insurance rates usually increase. An accident can affect your rates for three years or longer.
Apopka drivers with at-fault accidents on their motor vehicle records pay an average of $388 per month for full coverage and $268 for liability-only coverage. The following table illustrates quotes for Apopka drivers with at-fault accidents.
The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
69
86
GEICO
71
90
Hugo
77
97
Allstate
120
151
Safeco
132
181
Mile Auto
134
186
Travelers
143
183
Mercury
149
216
Liberty Mutual
157
213
Direct Auto
160
208
Progressive
181
236
Infinity
203
241
Dairyland
216
278
AssuranceAmerica
236
308
Bristol West
279
352
National General
311
400
The General
319
416
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI causes your insurance rates to increase, perhaps more than any other driving infraction. Your current insurance company might drop your coverage due to the seriousness of the driving incident, or you may face increased rates.
If you need new coverage after a DUI in Apopka, you'll face average monthly rates of $448 for full coverage and $310 for liability only. The following insurance companies are the cheapest in Apopka for drivers with a DUI on their motor vehicle records.
The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
69
105
GEICO
71
108
Hugo
77
109
Allstate
120
182
Safeco
132
200
Mile Auto
134
205
Travelers
143
217
Mercury
149
231
Liberty Mutual
157
238
Direct Auto
160
243
Progressive
181
275
Infinity
203
308
Foremost
213
323
Dairyland
216
328
AssuranceAmerica
236
358
Bristol West
279
423
National General
311
472
The General
319
484
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance rates fluctuate with age. Teenagers cost the most to insure, but rates decrease for drivers around the age of 35 and continue to decrease through retirement age. You might see rates increase again slightly around age 70 due to increased physical vulnerability and a higher crash death rate.[6]
Seniors in Apopka have access to competitive car insurance rates, with average monthly costs of $252 for full coverage and $175 for liability-only policies. Apopka seniors may find better-than-average rates from the following companies.
The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
62
54
GEICO
66
57
Allstate
113
97
Travelers
133
114
Mile Auto
143
103
Mercury
144
122
Safeco
154
113
Progressive
187
132
Liberty Mutual
198
130
Direct Auto
200
125
AssuranceAmerica
238
174
National General
255
253
Dairyland
312
176
Bristol West
322
225
The General
370
261
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: GEICO
Teenagers face the most expensive insurance rates due to inexperience driving and risky driving habits.[7] Staying on your parents’ insurance plan, opting for a safe car, and qualifying for a good student discount can help reduce your costs as a teen driver. And if you’re younger than 18, you won't be able to buy your own policy without the written consent of a parent or guardian.
Teen drivers in Apopka face average monthly rates of $463 for full coverage and $320 for liability only. The following table shows the insurers with the cheapest rates for teen drivers in Apopka.
The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
GEICO
120
104
State Farm
128
110
Hugo
145
128
Allstate
229
197
Travelers
282
241
Mercury
300
255
Safeco
300
220
Mile Auto
338
244
Infinity
370
317
Liberty Mutual
377
246
Progressive
430
303
Direct Auto
440
274
Foremost
523
355
National General
557
553
Dairyland
579
325
AssuranceAmerica
584
428
Bristol West
618
432
The General
673
474
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Apopka car insurance quotes by credit tier
Florida insurers can consider your credit history as a factor when determining auto insurance pricing. Some states prohibit insurers from considering credit, but Apopka residents can expect their credit history to affect quotes.
Insurers use credit history to generate credit-based insurance scores that predict the likelihood of you filing a claim. Drivers with excellent or good credit scores usually secure lower rates on car insurance. People with poor credit scores typically pay higher rates.
The average rates in Apopka increase as credit scores decrease. Here’s what Apopka drivers pay by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Apopka?
Drivers in Apopka pay an average of $302 per month for full-coverage car insurance, compared to the state average of $298 per month. Liability averages $209 per month in Apopka and $215 at the state level.
But compared to the national averages of $214 per month for full coverage and $104 for liability only, Apopka residents pay more than other U.S. drivers. When determining prices, car insurance companies consider an area’s weather, traffic, crime rates, and other factors. Due to its location, Florida residents pay high rates for car insurance.
More cities in Florida
Apopka offers competitive car insurance rates compared to other cities in the state. The following table shows average monthly rates in other Florida cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Apopka car insurance FAQs
Finding auto coverage that works best for your budget and insurance needs can feel overwhelming. The information below should help you navigate the process of finding car insurance in Apopka, Florida.
How much is car insurance in Apopka?
On average, Apopka drivers pay a total of $256 per month for car insurance. Liability coverage averages $209 per month, while full coverage is $302, on average. Your premium ultimately depends on your driving record, credit history, age, insurer, location, and more.
Which company has the cheapest car insurance in Apopka?
State Farm has the cheapest car insurance for most drivers in Apopka, with liability rates that start at $69 per month.
Apopka drivers can also find cheap rates from GEICO and Hugo, the second- and third-cheapest companies in the city. Their liability rates start at $71 and $77 per month, respectively.
What are the best car insurance companies in Apopka?
State Farm has an IQ Score of 4.5 out of 5, which indicates financial strength, customer satisfaction, and quality coverage options, making it the best car insurance company in the city. GEICO and Allstate also offer quality coverage, and Hugo has the best on-demand coverage options.
Is Florida a no-fault state?
Yes. Florida is a no-fault state, which means that each driver involved in an accident must file a claim with their respective auto insurer, regardless of fault.
Do you need a car when living in Apopka?
Most people living in Apopka need a car to comfortably get around the city. That said, the Central Florida Regional Transportation Authority provides some public transportation options, including bus routes.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.