Cheapest Car Insurance Quotes in Port Orange

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Port Orange Car Insurance

^$ 50

/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 Port Orange

The car insurance rate in Port Orange is $1365 for a six-month policy, which is $260 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $813, making it a popular choice for budget-conscious drivers. Rates in Port Orange 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 Port Orange

$1365

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Port Orange

1st place: Travelers

At $813 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 $908 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $993 for six months, making it the third cheapest auto insurance company in Port Orange.

Port Orange Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Orange, FL is Travelers, offering policies at just $813 for a six-month term. This is followed by State Farm, which has an average six-month premium of $908.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2006 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Orange drivers find the best deals.

Cheap Car Insurance Companies in Port Orange, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$813	$137
State Farm	$908	$153
Nationwide	$993	$167
Progressive	$1053	$177
United Automobile Ins Group	$1147	$192
UAIC	$1257	$214
Allstate	$2050	$342
Mercury	$2166	$368
MetLife	$1263	$215
Farmers	$2006	$334

Key Takeaways

Way's key takeaways about car insurance in Port Orange

The auto insurance costs in Port Orange fall around $813 for six months.
The cheapest auto insurance company in Port Orange is Travelers.
Teen drivers pay the highest rate in Port Orange at $1160 per month.

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Cheapest Minimum Liability Car Insurance in Port Orange

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 Port Orange are given below.

Travelers provides the cheapest minimum car insurance coverage in Port Orange. Their Average 6 Month Premium is $299. Farmers is the most expensive at $554 for the same period.

Cheapest Liability Coverage in Port Orange, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$299	$50
State Farm	$324	$55
Mercury	$360	$60
Nationwide	$399	$68
MetLife	$419	$70
AIG	$469	$80
Progressive	$589	$99
United Automobile Ins Group	$604	$102
UAIC	$654	$109
Allstate	$748	$126
Patrons Insurance	$105	$18
Farmers	$554	$92

Cheapest Full Coverage Car Insurance in Port Orange

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 Port Orange is Travelers at $137 per month and $813 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Orange, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$813	$137
State Farm	$908	$153
Nationwide	$993	$167
Progressive	$1053	$177
United Automobile Ins Group	$1147	$192
UAIC	$1257	$214
Allstate	$2050	$342
Mercury	$2166	$368
MetLife	$1263	$215
Farmers	$2006	$334

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Average Car Insurance in Port Orange 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 Port Orange, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Port Orange, 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, Port Orange's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Port Orange

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

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

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Port Orange at $76 per month. At $6821 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$454	$76
AIG	$614	$104
Travelers	$1337	$225
State Farm	$1607	$270
UAIC	$2140	$360
United Automobile Ins Group	$2829	$481
Allstate	$3493	$588
Progressive	$4496	$757
Mercury	$5319	$895
Farmers	$6821	$1160

Teen Car Insurance Rates in FL by Age

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 Port Orange, Nationwide is the cheapest car insurance provider. At $543 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 Port Orange is Farmers, offering rates of around $2775 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$543	$92
Mercury	$594	$99
Direct General Insurance	$619	$105
UAIC	$1203	$201
Travelers	$1317	$222
Progressive	$2315	$386
Allstate	$4061	$690
State Farm	$4156	$693
Farmers	$2775	$472

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Car Insurance Rates with An Accident in Port Orange

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 Port Orange, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Port Orange include Nationwide and AIG, offering $574 and $733, respectively. Farmers is an expensive provider with an average six-month premium of $2799.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$574	$96
AIG	$733	$124
State Farm	$853	$144
Travelers	$869	$146
United Automobile Ins Group	$1492	$249
Mercury	$1541	$260
UAIC	$1562	$260
Progressive	$2045	$344
Allstate	$3642	$613
Farmers	$2799	$466

Port Orange Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Orange FL. For example, the car insurance in Port Orange after a DUI increases to $788 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Port Orange auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1532	$255
One Med/PIP claim	$1532	$260
Not-at-fault accident	$1656	$276
Two Med/PIP claims	$1702	$289
One comp claim	$1726	$288
Child safety restraint	$1731	$294
Failure to wear a seat belt	$1731	$289
Driving without lights	$1736	$295
Failure to show documents	$1736	$290
Speeding 6 - 10 MPH over limit	$1772	$302
Improper passing	$1777	$296
Passing school bus	$1777	$302
Wrong way/wrong lane	$1777	$296
Failure to stop at a red light	$1782	$303
Failure to yield	$1782	$297
Illegal turn	$1782	$303
Cell phone violation	$1787	$297
Driving with expired registration	$1787	$304
Following too closely	$1787	$297
Texting while driving	$1791	$305
Two comp claims	$1831	$305
Driving too slowly	$1841	$313
Speeding in school zone	$1841	$307
Speeding 11 - 15 MPH over limit	$1846	$314
In 65 MPH zone	$1911	$318
Speeding 16 - 20 MPH over limit	$1911	$325
Speeding 21 - 25 MPH over limit	$1921	$320
Open container	$1941	$330
Operating a vehicle without permission	$1941	$323
At-fault accident - less than $1000	$2106	$358
At-fault accident - $1000-$2000	$2140	$357
At-fault accident - greater than $2000	$2140	$364
Racing	$2315	$386
DUI	$2320	$395
Refusal to submit to a chemical test	$2320	$386
Driving with a suspended license	$2360	$402
Reckless driving	$2410	$402
Leaving scene of an accident/hit and run	$2435	$414

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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 Port Orange 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 Port Orange.

The cheapest car insurance premiums in Port Orange are offered by AIG at $539 for a six-month policy. However, it can be as expensive as $2281 with companies like Farmers.

Port Orange car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$539	$92
Travelers	$883	$149
Progressive	$1013	$171
State Farm	$1217	$205
Allstate	$1646	$277
UAIC	$2116	$353
Farmers	$2281	$380

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 Port Orange are offered by Nationwide at $469. However, it can be as expensive as $2435 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Port Orange after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$469	$78
State Farm	$594	$100
Travelers	$674	$113
Allstate	$1767	$297
UAIC	$1931	$322
Progressive	$2365	$402
Farmers	$2435	$414

Car Insurance Price Trends in Port Orange, Florida

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

The average cost of full coverage in the Port Orange dipped by $215 in January compared to $232 of December. In other words, there has been an decrease by $17 when you compare January and December.

The average cost of liability insurance in the Port Orange dipped to $70 in January, compared to $71 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Port Orange?

The car insurance in Port Orange is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Port Orange?

The cheapest car insurance in Port Orange is $137 per month for full coverage.

How much is car insurance in Port Orange for teenagers?

Car insurance for teenagers costs $454 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 Port Orange?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $229 per month to insure your car in Port Orange.

Is car insurance expensive in Port Orange?

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

Cheapest Car Insurance Quotes in Port Orange

Why you can trust Way?

How Much Is Car Insurance in Port Orange

Avg. Car Insurance in Port Orange

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Port Orange

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Port Orange Car Insurance Rates by Company

Cheap Car Insurance Companies in Port Orange, FL

Way's key takeaways about car insurance in Port Orange

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Port Orange

Cheapest Liability Coverage in Port Orange, FL

Cheapest Full Coverage Car Insurance in Port Orange

Cheapest Full Coverage Car Insurance Quotes in Port Orange, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Port Orange by Rating Factor

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

Car Insurance Premiums by Age in Port Orange

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties N/A is the best choice for car insurance in Port Orange.

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 Port Orange

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

Port Orange Car Insurance Rates by Violation

Port Orange auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Port Orange after a DUI

Port Orange car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Port Orange after Speeding ticket

Car Insurance Price Trends in Port Orange, Florida

Average Car Insurance Cost in Port Orange by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Port Orange, FL

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

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