Auto Insurance in Ormond Beach (32176)
Florida · Below Average · 30th percentile statewide
Carrier Rates in 32176
6-month premiums from SERFF rate filings. Standard driver profile.
How 32176 Compares
Ormond Beach (32176) is below average for auto insurance in Florida, ranking in the 30th percentile.
The cheapest carrier is USAA at $472/6mo — 47% less than the most expensive (State Farm at $896).
The median premium of $555 is 16% below the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Ormond Beach (32176)?
The median 6-month premium in Ormond Beach (32176) is $555 across 5 carriers. Premiums range from $472 to $896, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 32176?
USAA offers the lowest rate in 32176 at $472/6mo. That's 47% less than the most expensive option (State Farm at $896/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 32176?
Auto insurance rates in Ormond Beach (32176) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Ormond Beach ranks in the 30th percentile statewide, meaning it's below average 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 32176?
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.