Cheapest Car Insurance Quotes in Orange City

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Orange City Car Insurance

^$ 20

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Orange City

The car insurance rate in Orange City is $1505 for a six-month policy, which is $96 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $961, making it a popular choice for budget-conscious drivers. Rates in Orange City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Orange City

$1505

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Orange City

1st place: Travelers

At $961 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1022 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1189 for six months, making it the third cheapest auto insurance company in Orange City.

Orange City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orange City, FL is Travelers, offering policies at just $961 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1022.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $899 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orange City drivers find the best deals.

Cheap Car Insurance Companies in Orange City, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$961	$162
State Farm	$1022	$172
Nationwide	$1189	$200
United Automobile Ins Group	$1284	$214
Progressive	$1340	$226
UAIC	$1340	$224
MetLife	$1413	$241
Farmers	$2245	$374
Mercury	$2423	$412
Allstate	$2440	$411
Metropolitan Group	$899	$149

Key Takeaways

Way's key takeaways about car insurance in Orange City

The auto insurance costs in Orange City fall around $961 for six months.
The cheapest auto insurance company in Orange City is Patrons Insurance.
Teen drivers pay the highest rate in Orange City at $1298 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Orange City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Orange City are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Orange City. Their Average 6 Month Premium is $118. Metropolitan Group is the most expensive at $357 for the same period.

Cheapest Liability Coverage in Orange City, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$118	$20
Travelers	$357	$60
State Farm	$380	$64
Mercury	$402	$68
Nationwide	$447	$76
Farmers	$619	$103
AIG	$631	$107
Progressive	$659	$111
United Automobile Ins Group	$676	$115
UAIC	$731	$122
Allstate	$843	$142
Metropolitan Group	$357	$59

Cheapest Full Coverage Car Insurance in Orange City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Orange City is Travelers at $162 per month and $961 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orange City, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$961	$162
State Farm	$1022	$172
Nationwide	$1189	$200
United Automobile Ins Group	$1284	$214
Progressive	$1340	$226
UAIC	$1340	$224
MetLife	$1413	$241
Farmers	$2245	$374
Mercury	$2423	$412
Allstate	$2440	$411
Metropolitan Group	$899	$149

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Average Car Insurance in Orange City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Orange City, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Orange City, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Orange City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Orange City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1219
40s	Travelers	$920
50s	Travelers	$858
60s	Travelers	$846

Cheapest Car Insurance Rates for Teen Drivers in Orange City,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Orange City at $85 per month. At $7633 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$509	$85
AIG	$687	$117
Travelers	$1558	$262
State Farm	$2049	$345
UAIC	$3048	$509
United Automobile Ins Group	$3166	$539
Allstate	$4802	$808
Mercury	$5952	$1002
Progressive	$6360	$1071
Farmers	$7633	$1298

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Orange City.

As young drivers face the highest rates in Orange City, Travelers offers the cheapest auto insurance rates at $1219 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Orange City, Nationwide is the cheapest car insurance provider. At $608 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Orange City is Allstate, offering rates of around $4880 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$608	$103
Mercury	$665	$111
Direct General Insurance	$693	$118
Travelers	$1318	$222
UAIC	$1340	$227
Progressive	$2591	$431
Farmers	$3105	$528
State Farm	$4651	$776
Allstate	$4880	$830

Escape the Trap of Rising Insurance Costs.

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Car Insurance Rates with An Accident in Orange City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Orange City, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Orange City

The cheapest car insurance companies after an at-fault accident in Orange City include Nationwide and AIG, offering $642 and $821, respectively. National General is an expensive provider with an average six-month premium of $994.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$642	$107
AIG	$821	$139
Travelers	$927	$156
State Farm	$955	$161
United Automobile Ins Group	$1669	$278
Mercury	$1725	$290
UAIC	$1747	$291
Progressive	$2289	$385
Farmers	$3132	$522
Allstate	$4238	$713
National General	$994	$169

Orange City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orange City FL. For example, the car insurance in Orange City after a DUI increases to $881 for a six month policy. While the rate increases by $267 for a six-month policy in the case of a speeding ticket.

Orange City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1715	$286
One Med/PIP claim	$1715	$291
Not-at-fault accident	$1854	$309
Two Med/PIP claims	$1904	$323
One comp claim	$1932	$322
Child safety restraint	$1937	$329
Failure to wear a seat belt	$1937	$323
Driving without lights	$1943	$330
Failure to show documents	$1943	$324
Speeding 6 - 10 MPH over limit	$1982	$337
Improper passing	$1988	$331
Passing school bus	$1988	$338
Wrong way/wrong lane	$1988	$331
Failure to stop at a red light	$1994	$339
Failure to yield	$1994	$332
Illegal turn	$1994	$339
Cell phone violation	$1999	$333
Driving with expired registration	$1999	$340
Following too closely	$1999	$333
Texting while driving	$2004	$341
Two comp claims	$2049	$341
Driving too slowly	$2060	$351
Speeding in school zone	$2060	$343
Speeding 11 - 15 MPH over limit	$2066	$352
In 65 MPH zone	$2139	$356
Speeding 16 - 20 MPH over limit	$2139	$364
Speeding 21 - 25 MPH over limit	$2150	$358
Open container	$2172	$369
Operating a vehicle without permission	$2172	$362
At-fault accident - less than $1000	$2357	$400
At-fault accident - $1000-$2000	$2395	$400
At-fault accident - greater than $2000	$2395	$407
Racing	$2591	$431
DUI	$2596	$442
Refusal to submit to a chemical test	$2596	$432
Driving with a suspended license	$2641	$449
Reckless driving	$2697	$449
Leaving scene of an accident/hit and run	$2725	$463

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Orange City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Orange City.

The cheapest car insurance premiums in Orange City are offered by AIG at $603 for a six-month policy. However, it can be as expensive as $748 with companies like National General.

Orange City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$603	$101
Travelers	$961	$162
State Farm	$1167	$196
Progressive	$1178	$198
Allstate	$2144	$361
UAIC	$2362	$401
Farmers	$2552	$425
National General	$748	$125

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Orange City are offered by Nationwide at $525. However, it can be as expensive as $2725 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Orange City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$525	$89
State Farm	$676	$114
Travelers	$809	$136
UAIC	$1340	$224
Allstate	$1536	$259
Progressive	$2217	$369
Farmers	$2725	$463

Car Insurance Price Trends in Orange City, Florida

Car insurance rates in Orange City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Orange City remained steady at $259 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Orange City remained steady at $79 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Orange City?

The car insurance in Orange City is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Orange City?

The cheapest car insurance in Orange City is $162 per month for full coverage.

How much is car insurance in Orange City for teenagers?

Car insurance for teenagers costs $509 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Orange City?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $253 per month to insure your car in Orange City.

Is car insurance expensive in Orange City?

Car insurance can be expensive in Orange City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Orange City can be affordable.

Cheapest Car Insurance Quotes in Orange City

Why you can trust Way?

How Much Is Car Insurance in Orange City

Avg. Car Insurance in Orange City

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Orange City

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Orange City Car Insurance Rates by Company

Cheap Car Insurance Companies in Orange City, FL

Way's key takeaways about car insurance in Orange City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orange City

Cheapest Liability Coverage in Orange City, FL

Cheapest Full Coverage Car Insurance in Orange City

Cheapest Full Coverage Car Insurance Quotes in Orange City, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orange City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Orange City, FL increasing?

Car Insurance Premiums by Age in Orange City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orange City,FL

If you are in your twenties Travelers is the best choice for car insurance in Orange City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Orange City

Cheapest Car Insurance Companies after an At-Fault Accident in Orange City

Orange City Car Insurance Rates by Violation

Orange City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orange City after a DUI

Orange City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orange City after Speeding ticket

Car Insurance Price Trends in Orange City, Florida

Average Car Insurance Cost in Orange City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orange City, FL

Car Insurance Rates by State in the USA (2025 Update)

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