DeLand, Florida Auto Insurance (Best Rates + Top Companies)

The average auto insurance rate in Deland, FL is $256 per month, but Florida auto insurance laws will determine the minimum amount of coverage you need. The best Deland auto insurance companies are State Farm and USAA as they offer the cheapest Deland auto insurance rates. Before you buy, enter your ZIP code below for a free Deland auto insurance quote so you can guarantee you're paying the right price for car insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 6, 2022

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DeLand, Florida, Auto Insurance Overview
DeLand Key InfoDetailsSource
City Population32,
City Density2,048 people per square
Average Cost of Auto Insurance in Deland$3,066.81Quadrant Information Services
Cheapest Auto Insurance CompanyUSAAQuadrant Information Services
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Need information about Deland, FL, car insurance? Want to save money and not be fooled by auto insurance myths? Get started today with our guide to the ins and outs of Florida auto insurance and DeLand, Florida auto insurance.

There can be a lot of details to consider — but instead of spending time looking all over the internet for this information, wouldn’t you rather be enjoying the Florida sunshine and scenery?

We’ve done this research for you. Our experts have gathered and summarized the most important data, and we have brought it all together here in one place. We give you the details you need to make the decisions that are right for you and your family.

If you’re looking for the best auto insurance rates in DeLand or would like to compare DeLand, FL auto insurance options online, enter your ZIP code at the top of this page.

Let’s get started on reviewing what you’ll want to know about auto insurance in DeLand.

Auto Insurance Rates in DeLand

Below you will find data related to auto insurance costs in DeLand. You can explore auto insurance costs by age and gender to determine any impacts. And you can view auto insurance by ZIP code so you can tell where you can get the best auto insurance rates in DeLand.

Do gender & age affect my auto insurance in DeLand?

In a nutshell — yes. Looking just at age, average auto insurance rates for DeLand residents decrease as drivers get older:

Average Annual Auto Insurance Rates by Age in DeLand, FL (2018)
AgeAverage Annual Rates
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If we look just at gender, the average annual auto insurance rate for females ($3,885.12) is lower than that for males ($4,099.91). On average, females in DeLand pay about $200 per year less for their auto insurance.

When we look at age, gender, and marital status together, we see that these trends continue. If you’re young and male, your average insurance premium will be higher than if you’re older and male; also if you’re male, your average premium will almost always be higher than if you’re a female:

Average Annual Auto Insurance Rates by Marital Status, Age, and Gender for DeLand, FL
Marital Status, Age, and GenderAverage Annual Rates
Married 60-year-old female$2,464.39
Married 60-year-old male$2,513.98
Married 35-year-old male$2,687.88
Married 35-year-old female$2,739.77
Single 25-year-old female$3,004.27
Single 25-year-old male$3,208.24
Single 17-year-old female$7,332.03
Single 17-year-old male$8,848.71
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Why is auto insurance more expensive for males and younger people? Generally, it’s because they’re more likely to have an accident; older people have more driving experience, and therefore are better drivers.

Getting older might not be any fun, but in this case, it can save you money.

What ZIP codes have the cheapest auto insurance rates in DeLand?

Where you live in DeLand can impact how much you pay for auto insurance. ZIP codes group households and businesses into geographic areas, with each area having its own characteristics such as more expensive homes, higher crime, on-street parking, or a higher population density.

Taken together, these characteristics can be used to compare one ZIP code with another. Higher-risk areas will likely have higher insurance costs.

Let’s look at auto insurance costs in DeLand by ZIP code to see which are the ZIP codes with the lowest costs, and where you will find the highest auto insurance rates by ZIP code:

Average Annual Auto Insurance Rates by ZIP Code for DeLand, FL)
ZIP CodeAverage Annual Auto Insurance Rates
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If you live in ZIP code 32720, you’ll pay about $150.00 less each year, on average, than you would elsewhere in DeLand.

There are only two residential ZIP codes in DeLand — 32720 and 32724. The ZIP code 32723 is unique to Stetson University, and no one lives there. ZIP code 32721 is reserved for post office boxes only and is not included in this analysis.

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Which companies have the best auto insurance rates in DeLand?

When shopping for auto insurance, the first question many of us want to answer is — What company should I go with? As usual, the answer is that it depends.

You’ll want to consider what is more important to you — do you just want the minimum coverage required by law? What does that minimum coverage include? Are there others in your household who will be included on your policy? What other factors do you need to consider?

You’ll also need to think about your driving record, credit history, and other factors that an auto insurance company can include when determining the auto insurance quote they provide to you. This isn’t always a bad thing — sometimes, these factors will help to lower your auto insurance rates.

Florida law requires auto insurance companies to provide a discounted rate to insured drivers aged 55 and older who have completed an approved accident prevention course.

This is a lot to keep in mind — but keep reading, because we’re going to help you sort through all of these details so you can find the auto insurance company that can best meet your needs without emptying your wallet.

Cheapest Auto Insurance Rates by Company

We all know how tough it can be to save money these days. Auto insurance is no exception. Which auto insurance company has the lowest rates in DeLand?

Looking just at average cost, USAA and State Farm are the least expensive, with Nationwide and Geico nearly tied for third.

USAA is available to military members, military veterans, and their families, and is often the cheapest option throughout Florida. State Farm might be the cheapest option for you if you don’t fall into any of those categories.

This table shows the average costs for each of the auto insurance companies:

Average Annual Auto Insurance Rates for DeLand, FL
CompaniesAverage Annual Auto Insurance Rates
State Farm$2,784.86
Liberty Mutual$4,431.85
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But remember when we were talking earlier about how auto insurance is more expensive if you’re younger, or male? Don’t let these average prices fool you — depending on your age or gender, your rates could be much higher, or even lower, than these averages. Look what happens when we add demographic data to our table:

Average Annual Auto Insurance Rates by Company and Driver Marital Status, Age, and Gender for DeLand, FL
CompaniesAverage Annual RatesMarried 60-Year-Old FemaleMarried 60-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleSingle 17-Year-Old FemaleSingle 17-Year-Old Male
State Farm$2,784.86$1,596.74$1,596.74$1,757.55$1,757.55$1,948.29$2,086.98$5,069.93$6,465.13
Liberty Mutual$4,431.85$2,843.79$2,843.79$3,095.42$3,095.42$3,095.42$4,165.48$6,441.25$9,874.21
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USAA and State Farm are still the least expensive options, but if you’re a 17-year-old male choosing State Farm, you’ll still pay about $2,500 more each year than your 25-year-old male friend who chose Allstate.

Best Auto Insurance for Commute Rates

In addition to your age and gender, auto insurance companies will want to know about your daily commute to work. Longer commutes will add wear and tear to your car and, the more time you spend driving, the more likely it is you’ll have an accident.

Knowing this, some insurance companies will charge you more if you have a long commute. The table below shows the companies that include commute distance in their prices:

Average Annual Auto Insurance Rates by Commute for DeLand, FL
Companies10-Mile Commute.
6,000 Annual Mileage.
25-Mile Commute.
12,000 Annual Mileage.
Average Annual Auto Insurance Rates
State Farm$2,690.93$2,878.80$2,784.87
Liberty Mutual$4,291.40$4,572.30$4,431.85
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Two of these companies, Nationwide and Progressive, have the same costs for shorter and longer commutes; the others charge about $50 to $400 more per year, on average, for longer commutes.

Although about half of DeLand residents also work in DeLand, the typical Florida licensed driver, according to the Federal Highway Administration, drove about 14,465 miles in 2014. If you have a longer commute, you’ll want to keep that in mind when selecting an auto insurance company.

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Best Auto Insurance for Coverage Level Rates

It isn’t just your drive to work or your demographics that can impact auto insurance rates. The level of coverage that you select will drive the cost of your auto insurance, with higher coverage costing more. Let’s take a look at how this works:

Average Annual Auto Insurance Rates by Coverage Level for DeLand, FL
CompaniesLow CoverageMedium CoverageHigh CoverageAverage Annual Auto Insurance Rates
State Farm$2,372.41$2,852.04$3,130.14$2,784.86
Liberty Mutual$4,045.25$4,500.78$4,749.52$4,431.85
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As you might expect by now, USAA and State Farm have the cheapest auto insurance rates. And something you might find surprising — State Farm’s rate for a high level of coverage, $3,130.14, is lower than the rate for a low level of coverage for Liberty Mutual, Progressive, or Allstate.

Why would anyone choose to pay so much more for higher coverage levels, or even the same level of coverage with a more expensive company?

If you drive a classic car, or you want to include coverage for damage related to natural disasters such as hurricanes or those surprise sinkholes, you will probably have to opt for a higher level of coverage than someone who just wants the least amount of coverage required in Florida.

Florida has an unusually high percentage of uninsured drivers, as well as some potentially unexpected laws regarding who is responsible for paying when an accident involves an insured driver.

Florida drivers are required to carry property damage coverage and personal injury protection insurance, but that may not be enough. If you’re an insured driver, and you have this minimum level of coverage, you have enough insurance to cover the property damages to someone else, and costs related to your own injuries. This does not include any medical costs for the other driver or any damages to your own vehicle.

Don’t wait until you have an accident to learn what is covered and what is not. Have your insurance agent explain what coverage you’re getting for your money — you could be very glad you took this extra time later on.

Best Auto Insurance for Credit History Rates

Florida is one of the states that allow auto insurance rates to be based on credit history. If you have faced any of the credit-related situations, as defined by the NAIC, that can impact your auto insurance premium, you’ll want to pay close attention to this section.

Average Annual Auto Insurance Rates by Credit History for DeLand, FL
CompaniesGood CreditFair CreditPoor CreditAverage Annual Auto Insurance Rates
State Farm$2,059.40$2,501.93$3,793.25$2,784.86
Liberty Mutual$3,416.74$4,194.63$5,684.18$4,431.85
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All of the companies in our study charge more for auto insurance if your credit is not considered good.

Of course, you can think of it this way — all of these companies charge less if your credit is good.

How much is good credit worth? You’ll pay up to twice as much for auto insurance if you have poor credit. Depending on which company you select, this extra amount is between about $1500 and $4300 per year. Making sure you have good credit is a sure way to save money on auto insurance.

Best Auto Insurance for Driving Record Rates

Before you decide to call USAA or State Farm based on their low costs, think about your driving. We all think we’re terrific drivers, and some of us are. However, some of us tend to get more speeding tickets, accidents, or even DUIs than others. If we add each of these factors to our cost information, we can see a few interesting things:

Average Annual Auto Insurance Rates by Driving Record for DeLand, FL
CompaniesClean RecordWith One AccidentWith One DUIWith One Speeding ViolationAverage Annual Auto Insurance Rates
State Farm$2,549.64$3,020.12$2,784.85$2,784.85$2,784.87
Liberty Mutual$3,215.60$4,153.95$5,993.33$4,364.51$4,454.29
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All of these companies have a high-risk auto insurance cost if you don’t have a clean record. But some charge more than others for different events. State Farm and Progressive will raise their rates the most for one accident, whereas the other companies will charge you the most if you have one DUI. You may need to consider a high-risk company like Dairyland auto insurance or Florida Direct insurance if your record is tarnished.

Depending on which insurance company you select and which event you have on your record, you will pay between $100 and $2800 more each year for your auto insurance.

If you don’t live in Florida, you may be wondering: What is FR-44 insurance? Additionally, Florida is one of two states that require FR-44 insurance, a specific type of higher coverage insurance for high-risk drivers due to a DUI conviction or similar.

It’s always best to drive safely and have a clean record. Florida doesn’t have a way to get points removed from your license, so you’ll have to carry them for their entire duration. It can save you money on your auto insurance as well.

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What affects auto insurance rates in DeLand?

We’ve spent a lot of time looking at how your own situation can impact your auto insurance cost — everything from your age to your driving record can help or hurt your wallet. But did you know that your surroundings can also affect your auto insurance rates?

You might not be able to do much about them, but knowing what these factors are can be helpful with understanding how auto insurance premiums are calculated. You’ll have this information to help you with shopping around for auto insurance quotes and finding the cheapest auto insurance for your situation.

Let’s take a look at some of these other factors that auto insurance companies can use to determine how much they will charge you for auto insurance and what auto insurance rating tier they will put you in. You might find some of these factors surprising.

DeLand Metro Report

DeLand belongs to the Deltona — Daytona Beach — Ormond Beach metro area. According to the Metro Monitor, this area ranked 19th in Florida for the creation of jobs for the time period 2008–2018. However, for other indicators of growth and prosperity, such as standard of living and average annual wage, this area falls into the bottom half of Florida’s metro area rankings.

While this might be the best news for this metro area’s residents, it could mean that auto insurance rates are somewhat lower in this part of Florida.

Median Household Income in DeLand

According to DataUSA, the median household income in DeLand was $39,902. This means that half of DeLand households make less than this amount, and the other half makes more. How much less, and how much more, varies quite a bit. We can see this better when we break this out into blocks of income:

Household Annual Income for DeLand, FL
Household Annual IncomePercent of Total
Less than $10,0007.28%
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DeLand’s median household income is lower than Florida’s ($50,883) and that for the U.S. ($61,937). Related to this statistic is DeLand’s poverty level, which is 19.7 percent, higher than the U.S. level of 13.1 percent.

What this means is that, on average, DeLand residents will pay a larger portion of their income for auto insurance than others in Florida and around the U.S.

Auto Insurance as a Percent of Annual Income for DeLand, FL
Key InfoDetails
Average Annual Auto Insurance Rates$3,066.81
Average Annual Income$39,902
Percent of Income7.69%
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Let’s take a closer look at how these results compare with DeLand’s neighboring cities:

Average Annual Auto Insurance Rates as a Percent of Annual Income for Jacksonville, Orlando, and Tampa, FL
CitiesAverage Annual Auto Insurance RatesAverage Annual IncomePercent of Income
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Not surprisingly, based on what we already know about the rest of Florida, residents in these surrounding cities will pay a smaller portion of their income for auto insurance than DeLand residents. This is because household salaries are lower in DeLand — if you make more than $39,902, on average, you will pay a smaller percentage of your income.

Homeownership in DeLand

If you own your own home, your insurance company might give you a break on auto insurance. Homeownership means lower risk, so owning a home could even move you into a more favorable rating tier. Additionally, if you choose to use the same insurance company for both auto and home insurance, your carrier might provide you with a lower bundled rate.

Slightly more than half of the homes in DeLand — 54.1 percent — were owner-occupied In 2017. This is a slight increase over the figure for 2016 or 52.5 percent. But, if we look at individual neighborhoods in DeLand, we can see that there are some large differences:

Percentage of Owner-Occupied Homes by Neighborhood for DeLand, FL
NeighborhoodsPercentage of Owner-Occupied Homes
DeLand Southwest31.70%
North DeLand66.50%
West DeLand83.70%
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West DeLand has more than twice the percentage of owner-occupied homes than does DeLand Southwest.

Another aspect of homeownership is property value. In DeLand in 2017, the median property value was $172,700, up from the previous year’s value of $156,300. Increasing property values are indicators of desirability, which bodes well for the area’s growth and prosperity.

As the saying goes, it’s all about “location, location, location.”

Education in DeLand

DeLand is home to Stetson University. Founded in 1883 as DeLand Academy, Stetson emerged to create Florida’s first business school (1897), its first law school (1900), its first law school to admit women (1905), its first college-level music school (1936), and its first private university to integrate (1962).

If you, your son, or your daughter is looking to apply to Stetson, you’re in luck — 99 percent of Stetson undergrads received financial aid grants in 2017, and 57 percent received federal loans. With an annual tuition of $44,130, room and board costs of $12,326, and book costs of $1,200, it helps to have all the help you can get.

According to DataUSA, Stetson had a student body of 4,252 in 2017, most of which were full-time (95.6 percent). In that same year, Stetson awarded 1,218 degrees — 694 to women, and 524 to men.

Stetson’s most popular major in 2017 was law; aspiring lawyers represented 22.1 percent of the graduates in that year. The next most popular majors were General Business Administration and Management and General Psychology. Stetson graduates continue on to careers in areas such as law, business, medicine, accounting, politics, banking, and education.

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Driving in DeLand

Sometimes driving around in a new area can be nerve-racking, even if it doesn’t involve very much urban driving. We can help you with understanding what it takes to navigate in DeLand.

Below is some information about the roads and road conditions in DeLand, and some ways you can avoid traffic and other obstacles on your next trip around or through DeLand.

What are the major roads in DeLand?

Although the city of DeLand doesn’t cover a large area, it is crossed by roads that are maintained by Volusia County and the State of Florida in addition to its own local roads. This can make things somewhat difficult for DeLand residents to know which agency to call if they want to report a pothole or some other issue.

Volusia County provides an overview of construction projects and roadway maps so you can get up-to-date information on potential obstacles as well as what roads are county- and state-owned.

The U.S. Federal Highway Administration classifies roads into four main classes of road type, or roadway hierarchy, from large to small: freeway, arterial, collector, and local.

Ideally, homes and businesses will access the local roads, which in turn will feed into collector roads, arterial, and so on. This tends to put the burden of managing local traffic at the level of the city or county.

Ensuring that all roadway access points are suitable for drivers, pedestrians, residents, and businesses is a complex task. Variables such as whether the road is in an urban or suburban location, how busy the road is, and what type of intersection is involved. Road upgrades or widening involve not only the budgets and priorities of the oversight agencies involved but also the extent of the work needed.

Major Highways in DeLand

Roads maintained by the State of Florida and that cross through or near Deland include:

  • Interstate Route 4
  • State Road 11
  • State Road 15A
  • U.S. Route 17
  • State Road 44
  • U.S. Route 92
  • State Road 472

If you’re traveling to DeLand from another part of Florida or the U.S., you’ll need to be aware of Florida’s turnpike system that extends throughout Florida. Traveling anywhere on this system will require that you pay tolls, and in several places, there are no cash options.

According to Florida’s Turnpike: “All Turnpike tolls are collected electronically between the U.S. 1 (Exit 1) and County Line Road (Exit 47) interchanges in Miami-Dade County, on the Sawgrass Expressway in Broward County, on a portion of the Veterans Expressway in Hillsborough County, and on the I-4 Connector in Tampa, and cash tolls are not accepted. Motorists will use either SunPass or TOLL‑BY‑PLATE, and everyone will enjoy the benefit of paying their toll without having to stop.”

If you don’t have a SunPass, you’ll be billed for the cost of your tolls plus a monthly administrative charge.

If you plan to drive frequently along any of these roads, you’ll probably want to purchase a SunPass transponder in order to save on these extra fees. You can also use your SunPass in North Carolina, Georgia, for other tolls in Florida, and for certain parking at airports and some large venues.

Check out the below video from Florida’s Turnpike for more details:

Getting set up with SunPass will likely take a few minutes, but in the long run, it could save you time and money.

Road Conditions in DeLand

Part of your car’s well-being depends on how well the roads you drive on are maintained. Driving through an unexpected pothole, even at a lower speed, can cause significant damage to your car, as this news clip from News6 in Orlando describes:

Knowing the condition of the roads in and around DeLand can help you budget for any extra vehicle operating costs resulting from rough roads.

Road conditions in DeLand’s closest neighbor, Orlando, are generally favorable:

Road Conditions for Orlando, FL
Road ConditionsPercent of Total Roads in Orlando, FL
Good Share69%
Fair Share4%
Mediocre Share6%
Poor Share21%
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A transportation research group, TRIP, estimates that an extra $383 is needed to repair damage to your car due to road conditions in Orlando.

The Florida Department of Transportation keeps an updated list of roadway projects throughout Central Florida, so you can check any time on what roadwork is currently underway in that area.

Does DeLand use speeding or red-light cameras?

Although red-light cameras are currently in use across many parts of Florida, some local communities are starting to turn them off, and in early 2020 there was legislation introduced at the state level to repeal these cameras state-wide.

The City of DeLand updated its ordinances in 2011 to allow for the placement and use of red-light cameras, but the only cameras reported in DeLand are intended to coordinate signal timing with traffic congestion.

What types of vehicles are in DeLand?

You can tell a lot about a neighborhood by looking around at the cars parked in it. Are there expensive cars parked in the driveways, or junkers parked all along the street? We’ll give you some information about what to expect in DeLand, so you don’t need to do all that walking around yourself.

Cars Per Household in DeLand

The average household in DeLand has two cars. This doesn’t mean that every household has exactly two cars — some will have more, some less. Here’s how it breaks out using data from 2017:

Average Number of Cars per Household for DeLand, FL
Average Number of Cars in HouseholdPercent of Total Households
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Nearly one-half of DeLand households have two cars, and about one-third have one car; all the others have zero, three, or four cars. There is a little more variety elsewhere in the U.S., where about 3 percent of households have five or more cars.

Households Without a Car

About 3 percent of DeLand households don’t own any cars at all. This number has remained fairly steady during the time period 2013–2017.

There are a variety of ways that DeLand residents can get to work, and get around, without a car. For those who work, 15 percent carpool with at least one other worker; about 8 percent work from home and have no commute at all. Others use public transportation, bicycles or motorcycles, walking, or taxis to get from one place to another.

Speed Traps in DeLand

No one wants to be driving along and suddenly hear a siren or see flashing lights in their rearview mirror. If this happens to you, it’s possible that you just passed a speed trap, where the police had been waiting and hoping to catch you speeding.

DeLand doesn’t make the list of top 10 cities in Florida that have reported speed traps, but there have been some DeLand locations reported in the past. And the number two city on this list, Orlando, is a short half-hour drive from DeLand.

Is there a sure-fire way to know where speed traps might be located in DeLand?

Well, there’s an app for that — although the police don’t seem to like it much, as this clip from CBS Local News reports:

Rather than being concerned about getting caught in a speed trap, it’s always a good idea to be sure you keep an eye on the speed limit and that you stick to a speed below that. A lot of navigational apps include this information to make that easier for you to do.

Vehicle Theft in DeLand

People who live in DeLand report that they enjoy its combination of small-town living alongside the feel of a small city. During the academic year, the Stetson University students add an additional dimension to DeLand’s character.

Unfortunately, no city or town is without its share of crime. Looking at data gathered by the FBI, we can check out the crime statistics for DeLand and see how they compare with some nearby cities.

Violent Crime Rates (per 1,000 Residents) for DeLand, Jacksonville, Orlando, and Tampa, FL
CitiesMurderRapeRobberyAssaultTotal Violent Crimes
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DeLand has a violent crime rate of about 5.68 per 1,000 residents. In terms of violent crime, DeLand compares somewhat favorably with some of its larger neighbors, although its rate is high for a community of its size.

Your chances of becoming a victim of violent crime in DeLand are one in 183; Florida-wide, they are one in 260.

In terms of property crime, DeLand’s crime rate is about 34.84 per 1,000 residents.

Property Crime Rates for DeLand, FL
DeLand Property CrimesTotal Property CrimesRate per 1,000 Residents
Motor Vehicle Theft983.02
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Compared with the crime rates of neighboring cities, DeLand falls roughly in the middle.

Property Crime Rates (per 1,000 Residents) for DeLand, Jacksonville, Orlando, and Tampa, FL
CitiesMotor Vehicle TheftBurglaryLarcenyArson
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Your chances of becoming a victim of property crime in DeLand are one in 26; Florida-wide, they are one in 44. Car thefts are included in this category and occur in DeLand at a rate of 2.45 per 1,000 residents. This is slightly higher than the rate for the U.S., which is 2.29 per 1,000.

All in all, Deland is safer than only six percent of cities in the U.S., which puts it toward the bottom of that list.

DeLand has 84 crimes per square mile, and Florida has 55. With a U.S. median of 31.1, both DeLand and Florida have more crime per square mile than at least half of the country.

Some neighborhoods are safer than others, and this is no exception in DeLand. Neighborhood Scout advises that the safest neighborhoods in DeLand are:

  • Cypress Lake Estates / Daytona Park Estates
  • West DeLand
  • N. Spring Garden Avenue / N. Woodland Boulevard
  • Lake Mack Part / Forest Hills
  • DeLand Highlands
  • Orange Camp Road / S. Blue Lake Avenue
  • Glenwood / Daisy Lake
  • E. New York Avenue / E. Voorhis Avenue
  • North DeLand
  • S. Woodland Boulevard / McGregor Road

To protect yourself and your family financially, you might want to consider an auto insurance policy that includes protection from theft, vandalism, and similar. Florida law requires that drivers carry a minimum of $10,000 of personal injury protection and $10,000 of property damage liability.

If you live in a DeLand neighborhood with more crime, you might want to consider getting additional coverage. Your insurance agent can help you with identifying how best to do this.

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How is traffic in DeLand?

No one wants to sit in traffic on the way to or from work. We’ve all heard stories of excessive traffic in the larger U.S. cities, and we’ve seen the long lines of stopped cars during rush hour on the news. We expect to find traffic issues in these areas, but even smaller cities like DeLand can have traffic problems.

Causes of traffic jams can include unpredictable events such as accidents, severe weather, law enforcement activities, or debris in the road. Roads can also be closed temporarily due to planned events like road races or parades. Fortunately, there are websites and social media that provide real-time information about Deland’s local traffic scene; some examples include:

  • Florida 511, Florida’s official source for traffic and travel information
  • Orlando’s Channel 13 News Facebook page
  • Volusia County Road Closure website and hotline for DeLand (1-386-626-7000)

The causes of traffic congestion can be more long-term in origin. For example, within DeLand, increasing traffic on collector roads such as Orange Camp Road and the Dr. Martin Luther King Jr. Beltway, leading in and out of the growing development of Victoria Park, is frustrating residents who have to pass through these areas on their way to and from work.

According to The West Volusia Beacon: “The flow of traffic can be so unrelenting at times, according to some residents, that it is challenging for drivers to turn out of their neighborhoods onto one of the main roads.”

Reducing traffic doesn’t always involve making changes to the roads — this can take a long time and become expensive for the local taxpayers. However, suggesting that residents modify their commute hours, seek an alternate route, or carpool doesn’t always go over well either.

Residents and roadway planners will often struggle to balance the expense of making roadway changes with the effects of traffic congestion such as commute delays, frustration, and impacts to local businesses. As they say — time is money.

Traffic Congestion in Florida

We spent some time earlier discussing a few of the specific traffic issues that DeLand faces. Since DeLand is often described as a suburb to Orlando, let’s take a look at some of the congestion in and around Orlando, where daily commutes become more of an event due to the sheer numbers of cars moving in and out of the area. Some of these drivers live in DeLand.

According to INRIX, Orlando is the 97th most congested city in the U.S., with an average of 16 hours spent in congestion in 2019. This translates to a cost per driver of $237 due to this congestion alone.

Data from the web site TomTom tells us that Orlando has a traffic congestion level of 22 percent and that driving during rush hours added an additional 26 minutes of driving time each day. This translates to 98 hours for all of 2019.

Knowing when peak traffic conditions occur can help you with avoiding this extra congestion. In Orlando, the Morning Rush occurs between 7:00 a.m. and 9:00 a.m., with more congestion occurring between 8:00 a.m. and 9:00 a.m. The Evening Rush happens over a longer time period — 3:00 p.m. to 6:00 p.m., with the most congestion between 5:00 p.m. and 6:00 p.m.

More congestion happens along non-highways than along highways in Orlando — 27 percent for non-highways, and 12 percent for highways. The Federal Highway Administration provides some additional details here if you’d like to learn more about traffic congestion and related issues.

The web site Numbeo tells us that the traffic congestion in Orlando produces 2,343.10 kilograms of carbon dioxide each year. Experts estimate that about 108 trees would be needed for each commuting passenger to cancel out this effect.

Orlando’s Channel 2 News reports on an existing congestion issue that will be made even worse while other changes are put into place:

Some things have to get worse before they can get better, right?


According to DataUSA, the average commute time for DeLand residents is 20.1 minutes. Most DeLand commuters (73.1 percent) drive alone, which can contribute to traffic congestion, particularly during the rush hour periods.

How safe are DeLand streets & roads?

We haven’t yet talked about the safety of DeLand and Volusia County roads in the context of fatal traffic events. The National Highway Transportation Safety Association (NHTSA) has compiled traffic fatality statistics for Volusia and its surrounding counties; let’s take a look at how they compare.

Traffic Fatalities for Volusia and Surrounding Florida Counties
CountiesTotal Traffic Fatalities
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Brevard, Marion, and Volusia Counties are the top three counties with the most motor vehicle fatalities in 2018. Volusia is the second-largest county in this group, so we would expect its numbers to be higher when compared with its neighbors, but they are higher than Brevard’s, the largest county. This trend continues somewhat as we look at alcohol-related fatalities:

Alcohol-Related Traffic Fatalities for Volusia and Surrounding Florida Counties
CountiesAlcohol-Related Traffic Fatalities
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Volusia County is again second on this list, but Marion County comes in first, with Brevard and Lake Counties tied for third place.

Looking at fatal crashes involving only one vehicle, we can see that they represent at least half of the total crash fatalities for 2018:

Single Vehicle Crash Fatalities for Volusia and Surrounding Florida Counties
CountieSingle Vehicle Crash Fatalities
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Following the above trend, Volusia County is second on this list, Marion is first, and Brevard is third.

Volusia County finally falls slightly lower on this list if we look at fatalities related to speeding:

Speeding Fatalities for Volusia and Surrounding Florida Counties
CountiesSpeeding Fatalities
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Brevard County had the most speeding-related crash fatalities in 2018, followed by Lake County and then by Volusia County. Interstate 95 runs through Brevard County, so there is the chance that drivers will exceed the speed limit during that stretch of road in Florida.

Volusia continues to be in the top three counties if we look at fatalities related to roadway departures:

Roadway Departure Fatalities for Volusia and Surrounding Florida Counties
CountiesRoadway Departure Fatalities
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Marion County had the most roadway departure fatalities in 2018, followed by Volusia and Brevard Counties.

We’ve all seen someone flying through a red light at an intersection. We don’t know if they did this on purpose in order to run the light, or if they didn’t see the light at all — but to protect ourselves we need to be on the lookout for other drivers, particularly at intersections. Here we can see that a good portion of fatalities involve intersections:

Intersection Fatalities for Volusia and Surrounding Florida Counties
CountiesIntersection Fatalities
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Volusia County has the most fatalities in this category; Brevard County is second, and Lake County is third.

Vehicle passengers can also suffer injuries or death when there is a crash. Here’s how those numbers look our group of Florida counties in 2018:

Passenger Car Occupant Fatalities for Volusia and Surrounding Florida Counties
CountiesPassenger Car Occupant Fatalities
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Marion County has the most passenger fatalities, closely followed by Brevard County; Volusia and Lake Counties are tied for third.

Pedestrians are also at risk when cars are around:

Pedestrian Fatalities for Volusia and Surrounding Florida Counties
CountiesPedestrian Fatalities
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Volusia County has the highest number of fatalities in this category; Brevard is second, and Lake and Marion are tied for third.

According to the Governors Highway Safety Association (GHSA), Florida was second only to California in the number of pedestrian deaths in the first half of 2019. The GHSA report also notes that most pedestrian deaths in the U.S. happened on a non-freeway arterial, after dark, and away from intersections.

Pedestrians aren’t the only ones at risk; let’s look at cyclist fatalities for these counties:

Pedacyclist Fatalities for Volusia and Surrounding Florida Counties
CountyPedalcyclist Fatalities
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Volusia, Brevard, and Marion Counties have the highest number of cyclist fatalities in 2018.

In 2013, Florida created the Pedestrian and Bicycle Strategic Safety Plan to study these incidents and develop recommendations for changes to street lighting, street signs, sidewalks, and other infrastructure. Through its Alert Today Alive Tomorrow campaign, this program also seeks to educate drivers, pedestrians, and cyclists about traffic safety.

We can also look at the crash fatality data to understand how the different types of roadway are involved:

Trafic Fatalities by Road Type in Florida
Road TypeFlorida Traffic Fatalities
Freeway and Expressway98
Minor Arterial518
Collector Arterial328
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According to the U.S. Department of Transportation, there were 10 fatalities at Florida railroad crossings; seven involved vehicles, while three involved pedestrians.

Allstate America’s Best Drivers Report

For each of the last 15 years, Allstate has collected data and provided rankings for the safest cities for driving in the U.S., based on variables such as the amount of time between collisions, incidents of hard braking, and comparisons with the national average.

DeLand isn’t large enough to warrant a separate ranking in this report, but data for its neighboring metro area, Orlando, can be a helpful reflection on the surrounding areas.

Orlando ranked 93rd out of the 200 cities in the 2019 report, which is 21 slots down from its 72nd position for 2018. Orlando drivers went an average of 9.16 years between claims, less than the U.S. average of 10.57 years; their likelihood of a claim compared to the national average is 0.154.

Experts find that drivers who brake hard more often are more likely to have an accident, which is why hard-braking events are an important measurement for safety. The average Orlando driver brakes hard 23.04 times for every 1,000 miles they drive; this is higher than the national average of 19.


You may need or choose to have someone else do the driving for you, in which case you can call one of a variety of ridesharing companies that are available in the cities near DeLand. According to RideGuru, the following companies are available within nearby Orlando:

  • Blacklane
  • Carmel
  • Jayride
  • Lyft, Lyft Lux, Lyft SUV, Lyft Plus, Lyft Premier
  • SuperShuttle
  • Talixo
  • Traditional Taxis
  • Uber Black, Uber Select, Uber X, Uber XL

To get an idea of some ridesharing rates and how some of these companies compare cost-wise, let’s take a look at a couple of different scenarios.

Scenario 1: You have just arrived at Orlando International Airport after a fabulous trip abroad. It’s late at night, and you would like to have a ridesharing company take you and the three others in your family home in Victoria Park in DeLand. This 51.5-mile trip will cost you $63 for Lyft and Uber X, $134 for a taxi, and $162/$165 for Uber Black / Lyft Lux.

Scenario 2: You have just spent the evening with friends at the DeLand pub, City Limits Taproom. Your friends left earlier, and you want to get home safely to your home on Victoria Hills Blvd. in DeLand. For this 11.6-mile trip, Uber will charge you $18, Lyft will cost $24, and a taxi is $34.

Uber and Lyft seem to be very close in cost for their lowest-frills options, particularly for the long trip from the airport — which gives you some good choices when you need these services.

Of course, you’ll want to check ahead with these companies to make sure that any wait time works for you. Some of these companies offer advanced booking, which can help limit how long you will need to wait to be picked up.

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Military & Veterans Auto Insurance Rates in DeLand

As we discussed earlier in this article, serving our country comes with the benefit of lower auto insurance costs. With nearly 2,000 veterans living in DeLand, this is an important option for them and their families.

Veterans living in DeLand have served in wars from World War II up to the current Gulf War:

  • World War II – 114
  • Korea – 294
  • Vietnam – 1,204
  • Gulf War (1990s) – 267
  • Gulf War (2001–) – 182

There are also four military bases within about a two-hour drive from Deland:

  • MacDill Air Force Base, Tampa
  • Mayport Base, Jacksonville
  • Naval Air Station, Jacksonville
  • Patrick Air Force Base, near Cocoa Beach

In Florida, there are certain military insurance laws that provide for no-fee licenses, a special Veteran designation on their license or ID that can be used to validate their status for things like retail discounts, and flexible deadlines for military personnel who are deployed out-of-state.

As we mentioned earlier in this article, USAA consistently appears as the lowest cost auto insurance option. Additionally, many other carriers offer veterans auto insurance discounts, so it’s important to ask your agent about these if you qualify. Check out these Florida companies to obtain the best auto insurance for military personnel and veterans:

  • Allstate
  • Esurance
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • Safeco
  • State Farm
  • The General
  • USAA

If you, a friend, or someone in your family is a veteran or is serving in the military, be sure that any relevant auto insurance discounts are included.

Make sure you’re getting the auto insurance that’s right for you and your family. Enter your ZIP code below to compare Deland, FL car insurance quotes.

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Frequently Asked Questions: DeLand Auto Insurance

Now that you’ve had a chance to read about some of the important things to know about life in DeLand as well as factors that can impact your auto insurance costs, here are a few Frequently Asked Questions to help you with some additional details:

#1 – What are some auto insurance agents in DeLand?

Here’s a list of some options:

Insurance Land
120 N Woodland Blvd, Deland, FL 32720
(386) 7345111

V W Gould Agency
201 N Woodland Blvd, Deland, FL 32720
(386) 7343970

AAdvantage Insurance Agency
206 N Woodland Blvd, Deland, FL 32720
(386) 7347283

The Sunrise Group
206 N Woodland Blvd, Deland, FL 32720
(386) 7382812

Jim Swallows Insurance
244 S Woodland Blvd Ste A, Deland, FL 32720
(386) 7361000

Ryan Insurance & Financial Services
302 W New York Ave, Deland, FL 32720
(386) 7382000

Mel Ott Insurance
330 N Woodland Blvd, Deland, FL 32720
(386) 7341864

The Page Agency
500 E New York Ave, Deland, FL 32724
(386) 7349642

Don Parker
505 E New York Ave Ste 5, Deland, FL 32724
(386) 7342411

Godwin Insurance Agency
502 S Woodland Blvd, Deland, FL 32720
(386) 7389118

Affordable Insurance Services of Central Florida
643 W New York Ave, Deland, FL 32720
(386) 7366901

Keller & Associates
124 N Stone St, Deland, FL 32720
(386) 8730177

Randy L Mueller
809 N Woodland Blvd, Deland, FL 32720
(386) 7389373

Lane Insurance
838 E New York Ave, Deland, FL 32724
(386) 7340800

Best Insurance Services
207 S Spring Garden Ave Ste B, Deland, FL 32720
(386) 7381590

Direct Auto Insurance
104 S Spring Garden Ave, Deland, FL 32720
(386) 7382110

Sonia Mori
975 W Wisconsin Ave, Deland, FL 32720
(386) 7384805

All Florida Auto Insurance
502 N Spring Garden Ave Ste 4, Deland, FL 32720
(386) 7344400

GHG Insurance, div. of Sihle Insurance Group
1300 S Woodland Blvd, Deland, FL 32720
(386) 7366444

Mans & Associated Insurance Services
1540 S State Road 15a Ste 33, Deland, FL 32720
(386) 7382323

Janice Govreau
2251 S Woodland Blvd, Deland, FL 32720
(386) 7386955

Great Florida Insurance Karri Coffman
1961 S Woodland Blvd # 2, Deland, FL 32720
(386) 7365700

Brightway Insurance Mick Heard
2727 S Woodland Blvd, Deland, FL 32720
(386) 6246934

Don Brown
2750 N Volusia Ave, Orange City, FL 32763
(386) 7757878

Chris Riley
3154 N Woodland Blvd, Deland, FL 32720
(386) 7361554

Cowart Insurance Agency
1611 S Sr 15a Ste 3, Deland, FL 32720
(386) 7400368

#2 – How much is the gas tax in Florida?

Florida has the 10th-highest gas tax in the U.S. at $0.4199, according to The Tax Foundation. This doesn’t include the federal gas tax of $0.1840 or additional local option taxes assessed by municipalities. Volusia County adds an additional $0.06 per gallon.

#3 – What are the laws in Florida about texting while driving?

As of July 1, 2019, Florida drivers are prohibited from texting while driving. If a driver is cited for texting while driving, they will receive a non-moving violation for their first offense and will have to pay a fine and possible court costs. Additional violations include additional fines and points assessed against the driver’s license.

#4 – What is the legal limit for a DUI in Florida?

In Florida, a blood or breath alcohol level of 0.08 or higher is considered a DUI. Florida takes DUIs very seriously and administers fines, community service, probation, and possibly jail time for the first offense. The best advice is — never drive while impaired.

#5 – What is the minimum auto insurance required in Florida?

The minimum coverage for auto insurance in Florida is $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL). Florida is a no-fault state, which means that you are responsible to pay for costs related to any injuries, lost wages, or other damages you may suffer, regardless of who is at fault for the accident.

#6 – What happens if my driver’s license is suspended?

You’ll need to work closely with Florida Highway Safety and Motor Vehicles to understand the circumstances behind your license suspension/revocation and what fines, classes, or additional documentation you’ll need prior to reinstatement. If your license has been suspended or revoked, do not drive — this will result in additional penalties, possibly even jail time.

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