For a 40-year-old driver with a clean record, Daytona Beach car insurance rates average about $287 a month ($3,449 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 13% below the Florida average of $331 a month. Full-coverage averages in Daytona Beach run from about $152 to $383 a month across the four major insurers we compared (Allstate, GEICO, Progressive and Travelers).
Daytona Beach costs about $44 a month less than the statewide average on our Florida car insurance rates page for our benchmark driver and about $5 a month less than the Volusia County average.
We price five ZIP codes with a Daytona Beach mailing address. Four are within about $4 a month of each other, from $280 in 32114 and 32119 to $284 in 32124; the fifth, 32118, where Travelers isn’t priced, costs more.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Daytona Beach ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Daytona Beach averages $3,449 a year, or about $287 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,329 a year ($111 a month), and 50/100/50 liability with comprehensive and collision averages $2,946 ($246 a month).
Travelers’ Daytona Beach average, about $152 a month, is 31% below GEICO’s ($220), a lead wide enough that we show the range instead of naming a single cheapest insurer. Among the published 2026 statewide Florida rate studies we reviewed, there is no agreement on the cheapest insurer for full coverage. Of the eight that rank insurers, three name State Farm, three name GEICO and two name Travelers. For liability-only coverage at 15/30/10 limits, Travelers has the lowest average among these four insurers, at about $68 a month, followed by GEICO at $75.
Full-coverage averages by insurer in Daytona Beach
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $817 | $68 | $1,829 | $152 |
| GEICO | $899 | $75 | $2,637 | $220 |
| Progressive | $1,940 | $162 | $4,409 | $367 |
| Allstate | $1,559 | $130 | $4,597 | $383 |
| State Farm (Nov. 2025 rates)* | $987 | $82 | $2,239 | $187 |
| United Automobile Insurance* | $1,906 | $159 | $2,693 | $224 |
| Nationwide* | $1,535 | $128 | $3,131 | $261 |
| Mercury Insurance* | $1,057 | $88 | $3,474 | $290 |
| Farmers* | $1,418 | $118 | $4,460 | $372 |
| National General* | $1,618 | $135 | $4,695 | $391 |
| Daytona Beach average | $1,329 | $111 | $3,449 | $287 |
This table uses Daytona Beach ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the five Daytona Beach ZIP codes we price, full coverage for our driver ranges from about $280 a month in 32114 and 32119 to $322 in 32118, a gap of $507 a year. Travelers isn’t priced in 32118, on the east side, so its average covers the other three insurers, about $322 a month.
Lowest-priced Daytona Beach ZIP codes
Highest-priced Daytona Beach ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Daytona Beach’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 32114 | $1,300 | $108 | $3,355 | $280 | -2% |
| 32117 | $1,308 | $109 | $3,367 | $281 | -2% |
| 32118 | $1,451 | $121 | $3,862 | $322 | +12% |
| 32119 | $1,304 | $109 | $3,358 | $280 | -2% |
| 32124 | $1,314 | $110 | $3,407 | $284 | -1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $503 a year on average in our Daytona Beach data, with the same $500 deductibles. That’s about $42 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Daytona Beach ZIP codes, their full-coverage average fell from $4,300 a year nine months earlier to $3,881 in rates as of Aug. 31, 2026, a 9.7% drop. Progressive’s Daytona Beach average dropped 17.5%, GEICO’s 5.6% and Allstate’s 3.4%. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Daytona Beach average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 9.1%, led by Progressive, which cut its liability-only average 13.9%.
Volusia County averages about $292 a month for full coverage, the 28th-most expensive of the 66 Florida counties we price. Port Orange, to the south, averages about $285 a month and Edgewater, to the southeast, $274, the lowest of the Volusia County cities and towns we price. Inland, DeLand averages $300 and Deltona, to the southwest, $305.
Where it’s priced, Travelers’ Daytona Beach average is far below the other insurers’: about $152 a month, compared with $220 for GEICO, $367 for Progressive and $383 for Allstate.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Sanford, about 32 miles southwest, averages $284 a month and Orlando, about 50 miles southwest, $320. Up the coast, Jacksonville, about 85 miles northwest, averages $321.
Drivers in Daytona Beach follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
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Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Daytona Beach averages about $287 a month ($3,449 a year) and liability-only coverage at 15/30/10 limits about $111 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 13% below the Florida average of $331 a month.
It depends on the coverage. For full coverage, averages in Daytona Beach run from about $152 to $383 a month across the four major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 15/30/10 limits, Travelers has the lowest average in our Daytona Beach rate data, at about $68 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
Daytona Beach, for our benchmark driver. Daytona Beach full coverage averages about $287 a month and Deltona about $305, a difference of about $18 a month for the same driver and car.
In our data, 32114 and 32119 share the lowest full-coverage average in Daytona Beach, about $280 a month. 32118 has the highest, about $322, but Travelers isn’t priced there, so that average covers three insurers; among the ZIP codes all four insurers price, 32124 is the most expensive, at $284. The ZIP code table on this page lists all five.
In our Daytona Beach data, full coverage (100/300/100 with $500 deductibles) averages about $287 a month and liability-only coverage at 15/30/10 limits about $111, a difference of about $176 a month ($2,120 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Florida law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new over the past nine months), their Daytona Beach full-coverage average fell 9.7%, from about $4,300 to $3,881 a year. That’s higher than the Daytona Beach average of $3,449 because it leaves out Travelers. Progressive cut its Daytona Beach average 17.5%, GEICO 5.6% and Allstate 3.4%. Liability-only coverage at 15/30/10 limits fell 9.1%.
For our benchmark driver, full coverage in Daytona Beach averages about $287 a month. Nearby, Sanford averages about $284, Orlando about $320 and Melbourne about $289. Sanford is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
