Auto Insurance in Daytona Beach (32118)
Florida · Very Affordable · 16th percentile statewide
Carrier Rates in 32118
6-month premiums from SERFF rate filings. Standard driver profile.
How 32118 Compares
Daytona Beach (32118) is very affordable for auto insurance in Florida, ranking in the 16th percentile.
The cheapest carrier is GEICO at $425/6mo — 48% less than the most expensive (State Farm at $819).
The median premium of $502 is 24% below the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Daytona Beach (32118)?
The median 6-month premium in Daytona Beach (32118) is $502 across 5 carriers. Premiums range from $425 to $819, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 32118?
GEICO offers the lowest rate in 32118 at $425/6mo. That's 48% less than the most expensive option (State Farm at $819/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 32118?
Auto insurance rates in Daytona Beach (32118) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Daytona Beach ranks in the 16th percentile statewide, meaning it's very affordable compared to other Florida ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Florida
Want full rate data for 32118?
Access ZIP-level rate data across all 5 carriers, 397 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.