Auto Insurance in Ocala
Essential information about auto insurance for Marion County drivers
This information is for educational purposes only and does not constitute insurance advice. For specific coverage recommendations, consult with a licensed insurance agent in Florida.
Florida law requires all drivers to carry minimum auto insurance coverage. Understanding these requirements is essential for legal compliance while driving in Marion County and throughout Florida.
Required Minimum Coverage
- $10,000 Personal Injury Protection (PIP)
- $10,000 Property Damage Liability (PDL)
Note: Florida is a "no-fault" state, meaning PIP coverage pays for your medical expenses regardless of who caused the accident.
Required coverage that pays for:
- 80% of medical expenses
- 60% of lost wages
- Death benefits
- Essential services
Covers damage you cause to:
- Other vehicles
- Buildings and structures
- Personal property
- Traffic signals/signs
Covers injuries you cause to others:
- Medical expenses
- Lost wages
- Pain and suffering
- Legal fees
Collision Coverage
Pays for damage to your vehicle from collisions with other vehicles or objects, regardless of fault. Often required if you have a car loan.
Comprehensive Coverage
Covers damage from theft, vandalism, weather, falling objects, and animal collisions. Important in Florida due to weather risks.
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with no insurance or insufficient coverage. Especially valuable given Florida's minimum requirements.
Medical Payments Coverage
Additional medical coverage beyond PIP, covers you and your passengers regardless of fault.
Rental Car Coverage
Pays for rental car expenses while your vehicle is being repaired after a covered claim.
Roadside Assistance
Covers towing, jump-starts, flat tire changes, and lockout services. Useful on Marion County's rural roads.
Local Factors Affecting Insurance
- Weather-related claims (storms, flooding)
- Wildlife encounters on rural roads
- Tourist traffic during peak seasons
- Construction zones on major highways
- Crime rates in different areas
Common Marion County Roads
- Interstate 75 (major highway)
- US Highway 301
- State Road 200
- Silver Springs Boulevard
- Maricamp Road
Driver Factors
- Age and driving experience
- Driving record and violations
- Credit score (where allowed)
- Annual mileage
- Claims history
Vehicle Factors
- Make, model, and year
- Safety ratings and features
- Theft rates for your vehicle
- Repair costs
- Engine size
Location Factors
- Where you live and park
- Local crime rates
- Traffic density
- Weather patterns
- State insurance laws
These Marion County insurance professionals can help you understand your auto insurance options:
WellBEEing Benefits Consulting
814 East Silver Springs Blvd, Suite H, Ocala
📞 (352) 237-2184
Bird Insurance Services, LLC
516 SE 17th Street, Ocala
📞 (352) 622-3899
CAMPUS USA Credit Union
Multiple Ocala Locations, Ocala
📞 (800) 367-6440
Collier, Jernigan, Eastman & Zublick, P.A.
550 NE 25th Avenue, Ocala
📞 (352) 732-5601
Combined Insurance Services, Inc.
814 East Silver Springs Blvd., Suite H, Ocala
📞 (352) 237-2181
Crippen & Co.
1900 Southeast 18th Avenue, Ocala
📞 (352) 732-4260
Duggan, Joiner, & Company
334 N.W. 3rd Avenue, Ocala
📞 (352) 732-0171
DeMeola Temple CPA Group
107 NE 1st Avenue, Ocala
📞 (352) 622-4220
Essex Mortgage
1417 N. Magnolia Ave., Ocala
📞 (888) 892-4070
Fero & Sons Insurance
8441 SW State Rd 200, Ocala
📞 (352) 351-3111
Florida Credit Union (FCU)
Ocala Branch Location, Ocala
📞 (800) 284-1144
Freedom Health, Inc.
Serving Marion County, Ocala
📞 (800) 401-2740
Grabe Financial
Florida Service Area, Ocala
📞 (352) 000-0000
Gulf Atlantic Bank
1626 SE 36th Avenue, Ocala
📞 (305) 394-5100
Holder Insurance Agency
1635 SW 1st Avenue, Ocala
📞 (352) 237-1141
King Risk Partners
725 NE 25th Avenue, Ocala
📞 (844) 546-4467
Landmark Mortgage Planners
415 SE 17th Place, Ocala
📞 (352) 304-5700
New York Life - Abdul-Kader Okab
1905 W Silver Springs Blvd, Ocala
📞 (352) 362-7612
Norris Tax Group
35 SE 1st Ave, Second Floor Suite J, Ocala
📞 (561) 598-0150
Preferred Insurance LLC
13758 E Hwy 25, Ocklawaha
📞 (844) 329-1444
Radiant Credit Union
3510 NE 14th Street, Ocala
📞 (352) 381-5200
Stress Less Mortgage
5444 SE Abshier Blvd, Belleview
📞 (352) 572-9060
Taxes Untangled Inc
2491 NW 44th Ave, Ocala
📞 (352) 547-8445
Terri S. Kane, CPA, LLC
2405 SE 17th Street Suite 402, Ocala
📞 (352) 629-3683
Waterfront Advisors
217 SE 1st Ave., Suite 200-116, Ocala
📞 (352) 820-6004
Zinnia Wealth Management
3220 SW 33rd Rd, Ocala
📞 (833) 368-3680
Brian Knight Insurance Agency
Heathbrook Commons-Publix Shopping Center, Ocala
📞 (352) 502-4568
Partner's Legacy
Ocala, Ocala
📞 (352) 277-7294
MIDFLORIDA Credit Union - East Ocala Branch
1520 E Silver Springs Blvd, Ocala
📞 (863) 688-3733
Northwestern Mutual - Austin Steele Carrola
7 E Silver Springs Blvd, Ste 430, Ocala
📞 (352) 207-7604
Reveille Wealth Management
2201 SE 30th Ave, Suite 201, Ocala
📞 (352) 671-5310
Scott Cameron Ins Agcy Inc - State Farm Agent
6333 SW S.R. 200, Ocala
📞 (352) 861-2266
Angie Lewis State Farm Insurance Agency
416 E Fort King Street, Ocala
📞 (352) 291-2444
Acentria Insurance
4634 Gulfstarr Drive, Destin
📞 (866) 374-5084
Affiliated Title of Central Florida Ltd
1500 NE 25th Avenue, Ocala
📞 (352) 555-0700
First American Title - Florida
Multiple Florida Locations, Ocala
📞 1-800-854-3643
First Federal Bank
Multiple North Florida Locations, Live Oak
📞 1-866-393-2265
1st Florida Mortgage
Tampa Headquarters, Tampa
📞 (855) 314-2220
Highland Mortgage Company
Multiple Locations, United States
📞 (352) 555-HMTG
Lake Michigan Credit Union
Multiple Branch Locations, Grand Rapids
📞 1-800-242-9790
Mainstreet Community Bank of Florida
Multiple Florida Locations, DeLand
📞 (352) 555-MAIN
Marsh McLennan Agency
Multiple US Locations, National Service
📞 1-800-MMA-RISK
Northpointe Bank
Grand Rapids Headquarters, Grand Rapids
📞 1-800-640-7265
Trinity Insurance of Ocala
3250 SW 34th Street, Ocala
📞 (352) 629-1011
Brian Knight Insurance Agency
Heathbrook Commons-Publix Shopping Center, Ocala
📞 (352) 502-4568
Auto insurance is often part of a comprehensive insurance strategy. Learn about related coverage types that can provide additional protection:
Umbrella Insurance Information
Learn about umbrella coverage that provides additional liability protection beyond your auto insurance limits.
Home Insurance Information
Explore home insurance considerations for Marion County homeowners and multi-policy discount opportunities.
Important: These pages provide general educational information only. For specific coverage recommendations, consult with licensed insurance agents in Florida.
Common Discounts to Ask About
- Multi-policy discounts
- Good driver discounts
- Good student discounts
- Safety feature discounts
- Low mileage discounts
- Defensive driving course completion
- Anti-theft device discounts
- Loyalty discounts
- Pay-in-full discounts
- Electronic payment discounts
Smart Shopping Tips
- Compare quotes from multiple insurers
- Review coverage limits based on your assets
- Consider higher deductibles to lower premiums
- Bundle auto and home insurance
- Review your policy annually
- Maintain continuous coverage
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Disclaimer: This information is provided for educational purposes only and should not be considered insurance advice. Insurance requirements and rates vary by individual situation and change over time. Always consult with a licensed insurance agent in Florida for current requirements, coverage options, and rates specific to your needs.