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Get Cheap Car Insurance in Ponce de Leon, FL

We monitor insurance prices, helping the average driver in Ponce de Leon save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Ponce de Leon

The chart below shows the cheapest car insurance company in Ponce de Leon for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.

 
Ponce de Leon Insurer Monthly Cost
Geico $113
State Farm $120
Gainsco $156
Bristol West $156

Savings for Every Kind of Ponce de Leon Driver

The table shows how much the average auto insurance customer in Ponce de Leon might save by following our recommendations.

Based on our extensive insurance data, we know the average Ponce de Leon driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $692 per year by choosing the right vehicle insurance company. Some Ponce de Leon residents are paying out over $2,366 extra every year for auto insurance in Ponce de Leon. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Ponce de Leon, FL Savings / Yr.
Drivers with good records
$692
Drivers with accidents
$1,016
Drivers with speeding tickets
$782
Drivers with a DUI conviction
$774
Young drivers
$2,458
Married drivers
$672
Drivers with bad credit
$979

Ponce de Leon Car Insurance vs. Florida

People living in Ponce de Leon pay an average of 10.45% less than the typical driver in the state. The average driver in Ponce de Leon can expect to pay about $2,160 per year, or $2,366 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Ponce de Leon for most people.

Car Insurance Prices by Ponce de Leon Neighborhood

Ponce de Leon, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Ponce de Leon?

The map shows insurance prices in and around Ponce de Leon, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $140 per year within the city boundaries, with insurance premiums ranging from a high of $2,452 to a low of $2,312. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Ponce de Leon.

Pick the Best Car Insurance Company for You in Ponce de Leon

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Ponce de Leon insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Ponce de Leon

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $692 over the average Ponce de Leon car insurance company.

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We use the average good driver, paying $140 per month, as our baseline for pricing in Ponce de Leon. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Ponce de Leon drivers with accidents on their records

In Ponce de Leon getting into an accident will raise premiums an average 28% for a yearly cost of $3,285. That's $919 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,016 over the competition.

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The best car insurance company for Ponce de Leon drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $782 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Ponce de Leon, tickets raise premiums on new quotes about $659. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,025 per year.

The best auto insurance for Ponce de Leon drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,229 per year in auto insurance premiums, which was $863 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $774 less each year.

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The least expensive car insurance company for new and young drivers in Ponce de Leon

In Ponce de Leon, Geico costs young drivers $2,458 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Ponce de Leon. With an average cost of $7,100 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Ponce de Leon

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $167. State Farm, Geico, and Progressive provided the largest discounts to couples living in Ponce de Leon.

Geico gave the largest car insurance discounts to married couples, averaging $672 saved each year compared to an average Ponce de Leon couple's premiums.

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The cheapest car insurance in Ponce de Leon for drivers with bad credit

People with poor credit saved an average of $979 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,131 every year. Premiums for people with poor credit were about $3,497 in Ponce de Leon. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Ponce de Leon car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Ponce de Leon, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Ponce de Leon.

Allstate was the best company for customer service in Ponce de Leon according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Ponce de Leon, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Ponce de Leon. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Ponce de Leon

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 20% of Ponce de Leon residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ponce de Leon driver can expect to pay about $156 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Ponce de Leon, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Ponce de Leon

What Influences the Cost of Car Insurance in Ponce de Leon?

On average, car insurance in Ponce de Leon is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Ponce de Leon is 39 minutes, which is a little more than average for a driver in the state.
  • Florida state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Ponce de Leon are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Ponce de Leon is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Ponce de Leon is $180 per month for minimum coverage and $197 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

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* Who is the average Ponce de Leon driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Ponce de Leon with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.