Car insurance in Deland for an adult with a clean driving record and good insurance score costs $2,264 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Deland by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Deland.

Key Highlights
  • Car insurance in Deland is cheaper than car insurance in Florida for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Deland is $2,264 per year or $189 per month.
  • In Deland, State Farm offers the cheapest full coverage car insurance at $129 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Deland, FL?

The average auto insurance rates in Deland, FL at various coverage levels are listed below:

  • State minimum: $794 per year
  • Liability-only coverage (50/100/50): $1,378 per year
  • Full coverage (100/300/100): $2,264 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
State Farm$586$937$1,551
Geico$390$839$1,599
Travelers$593$933$1,731
Nationwide$742$1,289$1,883
Mercury Insurance$666$1,416$2,482
Allstate$781$1,365$2,507
Progressive$1,232$1,803$2,633
National General Insurance$970$1,584$2,803
Farmers$1,184$2,239$3,184

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Deland, FL?

Out of all the carriers available in Deland, State Farm offers the cheapest full coverage car insurance at $129 per month.

The second-cheapest car insurance company in Deland is Geico, offering car insurance at $133 monthly.

Cheapest CompanyFull Coverage Monthly Rates
State Farm$129
Geico$133
Travelers$144
Nationwide$157
Mercury Insurance$207
Allstate$209
Progressive$219
National General Insurance$234
Farmers$265

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Deland, FL?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Florida is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Deland, FL

See the average annual premium for drivers with two speeding tickets on their records in Deland, FL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$139
Allstate$224
Nationwide$225
Travelers$240
Geico$283
Progressive$339
Mercury$350
Farmers$368

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Deland, FL

See the average annual premium for a driver convicted of DUI in Deland, FL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$139
Travelers$239
Geico$242
Progressive$259
Allstate$264
Farmers$287
Mercury$308
Nationwide$318

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Deland, FL

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Deland, FL, by age

Age is a key factor when considering car insurance rates in most cities, including Deland – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$1,142
16Geico$424
16Farmers$1,360
16Mercury Insurance$1,582
16National General Insurance$593
16Nationwide$485
16Progressive$815
16State Farm$443
16Travelers$733
17Allstate$1,072
17Geico$405
17Farmers$1,007
17Mercury Insurance$1,320
17National General Insurance$573
17Nationwide$632
17Progressive$702
17State Farm$393
17Travelers$540
18Allstate$785
18Geico$381
18Farmers$968
18Mercury Insurance$1,246
18National General Insurance$571
18Nationwide$632
18Progressive$617
18State Farm$348
18Travelers$429
19Allstate$452
19Geico$358
19Farmers$537
19Mercury Insurance$660
19National General Insurance$475
19Nationwide$364
19Progressive$499
19State Farm$307
19Travelers$341
20Allstate$429
20Geico$328
20Farmers$512
20Mercury Insurance$560
20National General Insurance$436
20Nationwide$310
20Progressive$442
20State Farm$273
20Travelers$290
21Allstate$313
21Geico$247
21Farmers$370
21Mercury Insurance$467
21National General Insurance$355
21Nationwide$243
21Progressive$372
21State Farm$240
21Travelers$243
22Allstate$276
22Geico$224
22Farmers$353
22Mercury Insurance$416
22National General Insurance$336
22Nationwide$220
22Progressive$336
22State Farm$215
22Travelers$219
23Allstate$265
23Geico$206
23Farmers$339
23Mercury Insurance$328
23National General Insurance$325
23Nationwide$203
23Progressive$305
23State Farm$196
23Travelers$200
24Allstate$245
24Geico$189
24Farmers$328
24Mercury Insurance$291
24National General Insurance$314
24Nationwide$189
24Progressive$283
24State Farm$182
24Travelers$187
25Allstate$227
25Geico$172
25Farmers$316
25Mercury Insurance$277
25National General Insurance$302
25Nationwide$180
25Progressive$245
25State Farm$150
25Travelers$162
30Allstate$209
30Geico$145
30Farmers$278
30Mercury Insurance$244
30National General Insurance$267
30Nationwide$159
30Progressive$226
30State Farm$132
30Travelers$157
35Allstate$209
35Geico$132
35Farmers$264
35Mercury Insurance$228
35National General Insurance$253
35Nationwide$159
35Progressive$225
35State Farm$130
35Travelers$155
40Allstate$209
40Geico$133
40Farmers$265
40Mercury Insurance$207
40National General Insurance$234
40Nationwide$157
40Progressive$219
40State Farm$129
40Travelers$144
45Allstate$209
45Geico$135
45Farmers$266
45Mercury Insurance$209
45National General Insurance$229
45Nationwide$155
45Progressive$219
45State Farm$128
45Travelers$143
50Allstate$205
50Geico$133
50Farmers$256
50Mercury Insurance$187
50National General Insurance$228
50Nationwide$150
50Progressive$210
50State Farm$125
50Travelers$140
55Allstate$199
55Geico$127
55Farmers$241
55Mercury Insurance$183
55National General Insurance$227
55Nationwide$140
55Progressive$212
55State Farm$123
55Travelers$129
60Allstate$196
60Geico$123
60Farmers$235
60Mercury Insurance$181
60National General Insurance$227
60Nationwide$138
60Progressive$210
60State Farm$120
60Travelers$131
65Allstate$203
65Geico$120
65Farmers$295
65Mercury Insurance$194
65National General Insurance$234
65Nationwide$149
65Progressive$212
65State Farm$120
65Travelers$135
70Allstate$204
70Geico$122
70Farmers$316
70Mercury Insurance$216
70National General Insurance$249
70Nationwide$167
70Progressive$230
70State Farm$123
70Travelers$146
75Allstate$228
75Geico$136
75Farmers$355
75Mercury Insurance$267
75National General Insurance$269
75Nationwide$187
75Progressive$281
75State Farm$134
75Travelers$163

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Deland, FL, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
State Farm$232
Nationwide$235
Geico$244
Travelers$315
Mercury Insurance$328
Progressive$337
Allstate$370
Farmers$396

Final thoughts: Car insurance cost in Deland, FL

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Deland, FL. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Deland, Florida.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.