Best Daytona Beach, FL Auto Insurance in 2024 (10 Standout Companies)
Travelers, State Farm, and Geico have the best Daytona Beach, FL auto insurance, with outstanding coverage and monthly rates starting at $60. These insurance companies are known for providing reliable service at a competitive price and full and comprehensive coverage to Daytona Beach drivers.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Nov 27, 2024
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Company Facts
Full Coverage in Daytona Beach FL
A.M. Best Rating
Complaint Level
Company Facts
Full Coverage in Daytona Beach FL
A.M. Best Rating
Complaint Level
Company Facts
Full Coverage in Daytona Beach FL
A.M. Best Rating
Complaint Level
Travelers is the best Daytona Beach, FL auto insurance, balancing relatively low rates with a wide range of coverage choices and car insurance discounts. Geico and State Farm also top our list for competitive rates and fast, friendly service.
When selecting the best insurer, consider coverage limits, available discounts, and customer satisfaction. Our guide will help you find the lowest rate and best coverage in Daytona Beach.
Our Top 10 Company Picks: Daytona Beach, FL Auto Insurance
Insurance Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 13% | A++ | Comprehensive Coverage | Travelers | |
#2 | 17% | B | Many Discounts | State Farm | |
#3 | 25% | A++ | Competitive Rates | Geico | |
#4 | 10% | A+ | Innovative Discounts | Progressive | |
#5 | 10% | A++ | Military Focus | USAA | |
#6 | 20% | A | Customizable Policies | Farmers | |
#7 | 25% | A | Flexible Options | Liberty Mutual | |
#8 | 20% | A+ | Strong Reputation | Nationwide | |
#9 | 25% | A | Family-Oriented | American Family | |
#10 | 15% | A | Personalized Service | Safeco |
Get started today and use our free quote tool to easily compare the most affordable Daytona Beach, FL, auto insurance for drivers and find the best deal for you!
- Travelers offers competitive rates for Daytona Beach auto insurance
- Best Daytona Beach auto insurance tailored to local driver needs
- Affordable and reliable coverage options for Daytona Beach drivers
#1 – Travelers: Best for Comprehensive Coverage
Pros
- Extensive Protection for Various Risks: It covers many risks and encompasses full collision and liability insurance coverage to protect Daytona Beach drivers in many situations.
- A++ Rating from A.M. Best: A++ rating ensures Travelers’ reliability in handling claims for Daytona Beach residents. Look at our “Travelers Auto Insurance Review” for expanded insights.
- 13% Bundling Discount: Bundling multiple policies saves a driver money from Travelers. The savings help Daytona Beach drivers effectively keep their insurance expenses in check.
Cons
- Complex Claims Process: The insurance claims process is more complicated than that of other insurers, and it may take more effort from Daytona Beach drivers to follow through on their claims.
- Higher Premiums for Younger Drivers: It might pay more to a young driver in Daytona Beach, FL, than the old one, meaning it may not easily fit into their budget for auto insurance.
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#2 – State Farm: Best for Many Discounts
Pros
- Wide Range of Discounts: They offer great discounts for safe drivers, good students, and even defensive driving courses to lower the cost of auto insurance for a Daytona Beach, FL, driver.
- Flexible Payment Plans: They offer flexible Monthly, Quarterly, and semi-annual payment options to accommodate Daytona Beach drivers’ auto insurance needs.
- B Rating from A.M. Best: While slightly lower than some auto insurance competitors, State Farm’s B rating still demonstrates a solid financial foundation and stability for Daytona Beach residents.
Cons
- Limited Discounts for New Customers: New customers in Daytona Beach, FL, will not enjoy the entire extent of available discounts on their insurance immediately, leaving them to pay more at first.
- Lacks Telematics Programs: It doesn’t offer high-tech programs like some auto insurance competitors in Daytona Beach. Our “State Farm Review” will help you gain a deeper understanding.
#3 – Geico: Best for Competitive Rates
Pros
- Affordable Premiums for Low-Risk Drivers: Geico provides cheap premiums to low-risk auto insurance customers in Daytona Beach, which means inexpensive auto insurance.
- A++ Rating from A.M. Best: Geico’s corporate strength ensures that car insurance claims for Daytona Beach drivers are processed promptly and safely.
- 25% Bundling Discount: Thanks to high discounts, Daytona Beach drivers can save greatly by bundling auto insurance with other policies. Obtain further insights from “Geico Insurance Review.”
Cons
- Limited Coverage Options: It does not offer a wide range of insurance options as other insurance companies in Daytona Beach, which could reduce the number of options for some owners.
- Customer Service Challenges: Some motorists in Daytona Beach, FL, state that customer support is not given quickly, which may hassle those who expect it to be faster.
#4 – Progressive: Best for Innovative Discounts
Pros
- Snapshot Program: Progressive’s Snapshot program offers discounts to insurees in Daytona Beach, Florida, based on safe driving habits, thus lowering premiums.
- Continuous Coverage Discount: This discount goes directly to the driver in Daytona Beach without any breaks in their auto insurance coverage, thus saving them money on the premium.
- Customizable Plans: Progressive ensures that car insurance policy options in Daytona Beach fit each client’s needs and budget.
Cons
- Customer Service Inconsistencies: Very few customers outside Daytona Beach are satisfied with Progressive auto insurance services; therefore, its quality is maximized.
- Higher Rates for Young Drivers: Daytona Beach drivers face higher insurance premiums due to their risk profile, raising costs. Our “Progressive Insurance Review” provides additional information.
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#5 – USAA: Best for Military Focus
Pros
- Military Discounts: USAA provides special insurance discounts for military members in Daytona Beach, FL, making them more affordable to military service families.
- Comprehensive Coverage: It provides comprehensive insurance policies and auto insurance to military members in Daytona Beach. Learn more about this from “USAA Insurance Review.”
- Excellent Customer Service: USAA provides excellent insurance service to military families in Daytona Beach, Florida, and the families are highly satisfied.
Cons
- Eligibility Restrictions: USAA insurance caters exclusively to military families and, therefore, does not offer options for everyday drivers in Daytona Beach.
- Higher Premiums for Non-Military Drivers: Non-military Daytona Beach drivers pay more than military families, which is not cost-effective.
#6 – Farmers: Best for Customizable Policies
Pros
- Wide Coverage Options: Farmers allow Daytona Beach drivers to select the best auto insurance coverage from its wide coverage options.
- Business & Professional Discounts: Farmer company ties offer car insurance discounts for professionals of Daytona Beach.
- Personalized Customer Service: It offers insurance for Daytona Beach residents based on individual guidelines provided by its professionals. For a broader insight, find out about “Farmers Review.”
Cons
- Limited Online Tools: Much fewer modern online tools are designed to be created for Daytona Beach, FL, clients who will need to manage their insurance online.
- High Rates for Younger Drivers: Younger drivers living in Daytona Beach, Florida, typically have to pay a relatively high premium rate on auto insurance because they tend to be inexperienced.
#7 – Liberty Mutual: Best for Flexible Options
Pros
- Extensive Coverage Choices: Liberty Mutual offers drivers in Daytona Beach, FL, flexible auto insurance options to meet different coverage requirements.
- Military and Veteran Discounts: Military personnel in Daytona Beach enjoy special discounts for insurance offered by Liberty Mutual.
- New Car Discount: Liberty Mutual provides car insurance discounts for new car owners in Daytona Beach, Florida, making coverage more affordable.
Cons
- Complex Pricing Structure: Daytona Beach drivers may find its auto insurance pricing confusing, impacting transparency. Elevate your knowledge with our “Liberty Mutual Auto Insurance Review.”
- Limited Local Agents: Daytona Beach residents will likely find it difficult to obtain easy insurance assistance as they may find it hard to locate nearby Liberty Mutual agents.
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#8 – Nationwide: Best for Strong Reputation
Pros
- Financial Stability: Nationwide’s strong reputation for financial stability ensures Daytona Beach drivers reliable car insurance coverage.
- SmartRide Program: Daytona Beach drivers can reduce auto insurance costs through Nationwide’s SmartRide program, which rewards safe driving. Read our “Nationwide Review” to find out more.
- Comprehensive Coverage Options: Nationwide offers a variety of insurance products, including auto and home insurance, to drivers in Daytona Beach, FL.
Cons
- High Rates for New Drivers: New drivers in Daytona Beach, Florida, will tend to pay a higher insurance rate with Nationwide, which will cost more.
- Limited Discounts for Older Vehicles: Daytona Beach drivers with older cars may not receive as many auto insurance discounts as newer car owners.
#9 – American Family: Best for Family-Oriented Coverage
Pros
- Comprehensive Family Protection: American Family offers car insurance packages that protect the whole family, ideal for Daytona Beach households.
- Family-Friendly Discounts: Daytona Beach families can save on auto insurance through multi-vehicle and safety discounts with American Family.
- Tailored Teen Driver Policies: American Family specializes in offering affordable insurance to Daytona Beach families. Explore further details in our “American Family Auto Insurance Review.”
Cons
- Higher Premiums: American Family’s insurance can be pricier for Daytona Beach drivers than some competitors, especially with extensive coverage.
- Limited Online Support: Daytona Beach residents may find American Family’s insurance customer service lacking online options compared to other providers.
#10 – Safeco: Best for Personalized Service
Pros
- Customized Policies: Safeco allows Daytona Beach drivers to adjust their auto insurance coverage to suit their needs, ensuring the best fit.
- Multi-Policy Discount: Bundle home and insurance with Safeco to save money, a great option for Daytona Beach, FL residents. For additional insights, refer to “Safeco Auto Insurance Review.”
- Strong Agent Network: Safeco provides car insurance customers in Daytona Beach with personal support from local agents who offer personalized advice.
Cons
- Higher Premiums for High-Risk Drivers: Daytona Beach drivers with a poor driving history may face higher auto insurance premiums with Safeco.
- Limited Mobile App Features: The Safeco app offers fewer features for Daytona Beach, FL customers, limiting convenience for managing car insurance.
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Daytona Beach, FL Auto Insurance Providers and Coverage Level
When shopping for auto insurance quotes in Daytona Beach, FL, the monthly price can vary greatly between carriers and coverage levels. Comparing quotes from high-rated providers is important for Daytona Beach drivers to choose the right coverage that fits their budget and protection needs.
Daytona Beach, FL Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$82 | $172 | |
$85 | $173 | |
$65 | $150 | |
$90 | $185 | |
$78 | $168 | |
$80 | $170 | |
$88 | $175 | |
$70 | $160 | |
$75 | $180 | |
$60 | $145 |
The most affordable quotes for minimum coverage are from USAA at $60, Geico at $65, and State Farm at $70. USAA remains a budget-friendly choice for full coverage at $145, Geico at $150, and State Farm at $160, while higher options like Liberty Mutual can reach $185.
These comparisons guide selecting the best option for a driver’s financial goals and insurance requirements.
Daytona Beach, FL Auto Insurance Coverage Options
Daytona Beach, Florida, offers coastal risk-based coverage options that include liability, collision, comprehensive, and uninsured motorist insurance plans. Due to moderate traffic, hurricane exposure, and higher theft rates than most states, Daytona Beach residents may benefit from comprehensive plans that include reckless driving and other factors influencing auto insurance rates.
Daytona Beach, FL Report Card: Auto Insurance Premiums
Category | Grade | Explanation |
---|---|---|
Coverage Options | A | Variety of comprehensive plans |
Customer Service | A- | Strong support and responsiveness |
Affordability | B | Premiums are moderately priced |
Claims Process | B+ | Efficient but room for improvement |
Based on the table, with a 20% uninsured driver rate and average accident claims of $3,000, adding uninsured motorist coverage is highly recommended. Daytona Beach’s coverage needs to include moderate congestion (B) and above-average theft risks (B—), so these coverage options are essential for local drivers.
How to Get Auto Insurance in Daytona Beach, Florida
To acquire auto insurance in Daytona Beach, you must compare prices, assess coverage options, and review online provider feedback. Searching for it gives you insight into the market and helps you choose the best provider that offers the coverage you need at competitive rates.
Getting auto insurance in Daytona Beach is simple. Compare rates, select the right coverage, and ensure your protection on the road.
Once you narrow down a few, get all the necessary information, such as the driver’s license, vehicle specifics, and driving history. Since most websites or agents require this information to deliver accurate quotes, you would make the right choice about how much coverage you need to afford on your budget.
Carefully read all policies before deciding, noting terms and possible discounts. Most providers in Daytona Beach have online applications. They help you conveniently complete online purchasing and get fast, hassle-free coverage.
Available Discounts from Daytona Beach Auto Insurance Providers
Daytona Beach auto insurance companies offer several discounts to help drivers save money on insurance. Many companies offer options like safe driver discounts, multi-policy bundles, and good student rewards. The cheapest auto insurance companies lower insurance costs for residents’ policies.
Auto Insurance Discounts From the Top Providers in Daytona Beach, FL
Insurance Company | Available Discounts |
---|---|
Multi-policy, Safe Driver, Good Student, Bundling, Smart Home | |
Multi-policy, Good Student, Business & Professional Groups, Homeowner, Safe Driver | |
Multi-policy, Good Driver, Military, Federal Employee, New Vehicle | |
Multi-policy, New Car, Safe Driver, Homeowner, Military | |
Multi-policy, Safe Driver, Good Student, Family Plan, SmartRide | |
Multi-policy, Continuous Insurance, Safe Driver, Snapshot, Homeowner | |
Multi-policy, Safe Driver, Homeowner, Good Student, Military | |
Multi-policy, Safe Driver, Good Student, Vehicle Safety Features, Defensive Driving Course | |
Multi-policy, Safe Driver, Homeowner, Early Quote, Hybrid/Electric Vehicle | |
Multi-policy, Safe Driver, Good Student, Military, Vehicle Safety Features |
Travelers, State Farm, and Geico offer competitive discounts for Daytona Beach customers. Travelers provide discounts in Saver 15, homeowner, and early quotes while saving money on safe drivers, homeowners, early quotes, and hybrid vehicles. State Farm seeks incentives in safe driving, good students, and defensive driving courses. Geico discounts good drivers, military members, and new vehicle owners.
Daytona Beach insurance companies offer a package deal of several discounts so that clients may save on premiums. Progressive’s Snapshot and Nationwide’s SmartRide create further savings by rewarding prudent driving habits with continuous insurance coverage. With these discounts, Daytona Beach motorists can use the cheapest coverage option to fit their needs.
Safety Features of Daytona Beach, Florida Auto Insurance
Auto insurance companies in Daytona Beach, FL, often equip vehicles with safety features like airbags and stability control, which reduce the likelihood of accidents.
Providers, including those offering “Fleet Insurance” for businesses with multiple vehicles, typically offer lower premiums for vehicles with these features, allowing consumers to save while enhancing safety.
Auto Accidents & Claim Statistics in Daytona Beach
Auto accident claim statistics for Daytona Beach explain the diversified factors that could change the insurance premium that a driver may be willing to pay. With such cases of high traffic density and weather-related incidents commonplace here, it is not too safe for drivers to commute on such a road system.
Knowing “How Accidents Change Your Car Insurance Rate” ensures the smooth operation of evaluating coverage for local drivers, given the risk profile they are exposed to.
Daytona Beach, FL Auto Accident & Insurance Claim Statistics
Factor | Value |
---|---|
Total Accidents Per Year | 2,788 |
Total Claims Per Year | 3,000 |
Average Claim Size | $10,000 |
Percentage of Uninsured Drivers | 20% |
Vehicle Theft Rate | 244 thefts/year |
Traffic Density | High |
Weather-Related Incidents | High |
The table shows about 2,788 crashes and 3,000 claims in the city annually, with an average claim of about $10,000. With at least 20% of the drivers being uninsured, the pressure on insured individuals increases the demand for uninsured motorist coverage.
The theft rate of the city’s vehicles is very high, and it frequently experiences weather-related events that increase claims. Therefore, comprehensive coverage is highly recommended.
Daytona Beach, FL, Auto Insurance Claim Process
Auto insurance claim processing at Daytona Beach will start by making an accident report to your insurance company. Do not forget to share details about the accident, such as what time, where it occurred, and what damage was incurred. These help get the process of filing a claim rolling. If you’re wondering how much insurance coverage you need, understanding your policy limits will help guide your claims process.
This amount is submitted to the insurer as a claim in Daytona Beach. The insurer will usually appoint an adjuster to visit your site and assess the extent of the damage and how much restoration or replacement is likely to be required, leading to a payment amount based on policy coverage in Daytona, FL.
If the adjuster recommends your claim, you will be informed that it is approved or rejected. If approved, repairs or medical costs compensation will be made available depending on the insurance policy terms.
Major Factors Affecting Daytona Beach Auto Insurance
Another good way to save money is to understand how your insurance company calculates your premium. There are almost too many factors to list and discuss on this page.
Auto Thefts in Daytona Beach
Other expensive claims may include acts of auto theft or vandalism. If you have a new, flashy, expensive car, your odds of auto theft may be greater than most. However, moderately priced, popular cars are high-profile targets, too, mainly because their replacement parts are in high demand.
Daytona Beach, FL Liability vs. Comprehensive Auto Insurance Monthly Rates
Insurance Company | Liability | Comprehensive |
---|---|---|
$80 | $160 | |
$95 | $190 | |
$65 | $115 | |
$120 | $270 | |
$70 | $130 | |
$100 | $250 | |
$115 | $160 | |
$60 | $110 | |
$95 | $145 | |
$55 | $100 |
There were 391 reported vehicle thefts in Daytona recently, which is again a little high given the population density. It also marks a slight uptick from previous years, which showed a gradual decline in auto thefts.
Your Credit Score
Do you know how important your credit score is regarding your auto insurance premiums? Did you even know insurance companies considered that when calculating your premium?
Well, unfortunately, they do in Florida. They pay special attention to your credit history with other insurance companies to determine how financially reliable you are.
Daytona Beach, FL Auto Insurance Monthly Rates by Credit Score
Insurance Company | Good Credit | Fair Credit | Bad Credit |
---|---|---|---|
$125 | $150 | $200 | |
$130 | $160 | $210 | |
$120 | $145 | $190 | |
$135 | $165 | $220 | |
$130 | $160 | $210 | |
$125 | $155 | $205 | |
$120 | $150 | $200 | |
$125 | $150 | $200 | |
$130 | $160 | $210 | |
$120 | $145 | $190 |
Some companies also associate a good credit score with safer driving habits, which goes back to companies that give lower rates to people who are less likely to get into an accident.
Your Driving Record
Tickets and accidents happen. But insurance companies aren’t always so understanding about it. Suppose your driving history contains tickets or accidents within the last 3 years (or sometimes as far back as 5 years). In that case, your insurance company may tack a financial penalty onto your monthly premium.
Daytona Beach, FL Auto Insurance Monthly Rates by Driving Record
Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
---|---|---|---|---|
$142 | $183 | $175 | $208 | |
$150 | $170 | $195 | $270 | |
$192 | $298 | $244 | $361 | |
$284 | $387 | $368 | $532 | |
$248 | $275 | $272 | $364 | |
$318 | $425 | $468 | $395 | |
$214 | $209 | $212 | $233 | |
$220 | $241 | $261 | $241 | |
$132 | $146 | $147 | $167 | |
$159 | $167 | $196 | $291 |
Talk to your agent and ask about programs you can take advantage of, such as defensive driving courses, to get them to give you a lower rate.
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DUI Laws & Penalties of Daytona Beach, FL Auto Insurance
DUI penalties in Daytona Beach, FL, include fines of $500 to $1,000, license suspension, and possible jail time. Repeated offenses result in harsher fines and longer suspensions. Refusing a breath test or having a high BAC leads to stricter penalties.
Travelers offer reliable auto insurance in Daytona Beach. With monthly rates starting at just $60, it provides great value for comprehensive coverage.
Scott W. Johnson Licensed Insurance Agent
A DUI conviction can increase car insurance premiums by up to 50%. Drivers may also need to file an SR-22, raising costs further. Compare insurance quotes and complete defensive driving courses to reduce the impact of reckless driving and auto insurance rates.
Daytona Beach, Florida Auto Insurance Key Takeaways
When the residents of Daytona Beach, FL, seek auto insurance, they must also consider the types of car insurance and find the right one for their needs. Comparing Travelers, State Farm, and Geico may lead the residents of this city to affordable rates and possible discounts that may reduce their premiums.
In short, getting the right auto insurance covers your options, compares the discounts, and weighs cost against quality. Given competitive rates from various insurers for Daytona Beach drivers, residents can choose a plan that works for them effectively regarding budget and fulfillment.
Use our free quote tool to differentiate car insurance rates in Daytona Beach, Florida, and discover the best coverage options for your needs at the most competitive prices.
Frequently Asked Questions
How can I find affordable insurance in Daytona Beach?
Comparing quotes from various car insurance providers can help you find cheap rates. You can also check for discounts and explore different coverage options to fit your needs. Consider reviewing car insurance companies in Daytona Beach to ensure you’re getting the best deal.
What are the options for auto insurance in Daytona Beach?
Many options are available for auto insurance in Daytona Beach, including liability, collision, and comprehensive coverage. Review policies from multiple providers to get the best deal on Daytona Beach’s best auto insurance.
How can I find car insurance in Daytona Beach?
You can find car insurance in Daytona Beach using online comparison tools or consulting with local agents for quotes, helping you discover a cheap auto insurance rate. Finding reliable Daytona Beach car insurance companies will help you secure a policy that suits your needs.
What does a Daytona Beach auto insurance policy include?
A typical Daytona Beach auto insurance policy includes liability, comprehensive, and collision coverage. Alternatives like physical injury protection and uninsured motorist coverage may include your car insurance in Daytona Beach, Florida.
What are the current Daytona Beach car insurance rates?
Car insurance rates in Daytona Beach vary depending on coverage and driving history. The starting price for basic coverage is around $100 per month. You can check with car insurance agents in Daytona Beach to get personalized quotes based on your needs.
Compare Daytona Beach’s top auto insurance providers by entering your ZIP code into our free tool below.
What factors affect Daytona Beach commercial insurance costs?
Business size, industry, and claims history influence Daytona Beach business insurance quotes. Location and the type of coverage you need also play a role in determining your commercial auto insurance costs.
Which Daytona homeowners insurance companies are the best?
Companies like Allstate and State Farm provide comprehensive protection when searching for Daytona homeowners insurance. You can obtain a Daytona Beach homeowners insurance quote to compare the best options for home insurance in the area.
What coverage options does Progressive Insurance offer in Daytona Beach?
Progressive offers various coverage options, including auto and home insurance policies and bundling discounts. Explore how Progressive’s options can customize auto insurance in Daytona Beach, FL, to meet your specific coverage needs.
What does Daytona vehicle insurance cover?
Daytona vehicle insurance typically covers liability, collision, and comprehensive damage. Additional protection like roadside assistance or rental car coverage may also be included. Check with Daytona car insurance quotes to ensure you get the right types of auto insurance coverage for your needs.
Where can I get cheap auto insurance in Daytona Beach?
To find affordable auto insurance, compare quotes from different companies and look for discounts on factors like driving history or bundling policies. Searching for cheap car insurance in Daytona Beach will help you find the best low-cost options.
What are the auto insurance quotes in Daytona Beach?
Auto insurance quotes in Daytona Beach depend on your vehicle, driving record, and coverage options. Rates can vary, so comparing Daytona auto insurance quotes from multiple providers is a great way to ensure you get the most competitive prices.