Car Insurance in Deltona, FL [The Complete Guide]

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City SummaryCity Stats
City Population90,746
City Density2,536 people per square mile
Average Cost of Insurance in Deltona, FL$3,259
Cheapest Car Insurance CompanyUSAA, State Farm
Road ConditionsPoor Share: 21%
Mediocre Share: 6%
Fair Share: 4%
Good Share: 69%
Vehicle Operating Costs (VOC): $383

Deltona, FL is a city located northeast of Orlando and north of the small city of Sanford. Lake Monroe and the Lake Monroe Conservation Area are just south of Deltona. There are several lakes within the city, making it a perfect place for fishing tournaments and summer resorts.

It’s no doubt that Deltona is one of the most scenic places in Florida, but how does the view look for car insurance? This guide will give you a full picture of the essential factors you’ll need to know to become insured in Deltona.

To get a quick look at car insurance coverage premiums in your area, enter your ZIP code in the dialog box above to get results. For more detailed information about car insurance premiums and car insurance companies in Deltona, continue reading through the guide.

Table of Contents

The Cost of Car Insurance in Deltona, FL

The average annual cost of car insurance in Deltona is $3,259. Your exact premium will be determined by a number of factors. When car insurance companies issue rates, they assess the risk of the driver, the level of coverage needed, the area where the driver lives, and the driver’s income, among other things.

We’ll go through each of these factors to give you an idea of what to expect from car insurance companies in Deltona.

Male vs. Female vs. Age

Your gender, age, and marital status can all play a part in how much you pay for car insurance. Single, younger males pay significantly more for car insurance than any other demographic. But how much more? The following table breaks down the average annual cost of insurance for four age groups.

Deltona, FL Driver's AgeAverage Annual Premium
17-year-old driver$8,357
25-year-old driver$3,207
35-year-old driver$2,807
60-year-old driver$2,572

As you can see, younger drivers generally pay higher premiums, while older drivers pay less. This is because older drivers usually have more experience, which generally translates into fewer accidents. According to a 2017 report by Data USA, the median age in Deltona is 39 years old. Therefore, more drivers in this city pay close to $3,000 a year for car insurance.

What about gender? Do men really pay more than women? Let’s look at the numbers.

Deltona, FL Driver's GenderAverage Annual Premium
Male$4,236
Female$4,016

Car insurance companies study statistics, which generally confirm that men take more risks when operating a motor vehicle. In Deltona, male drivers pay an average of $220 more for car insurance than women annually.

And in addition to age and gender, insurance companies will also take your marital status into account. Take a look at the table below, which puts all of these factors together.

Deltona, FL Driver's Age, Gender, & Marital StatusAverage Annual Premium
Single 17-year-old female$7,579
Single 17-year-old male$9,136
Single 25-year-old female$3,100
Single 25-year-old male$3,315
Married 35-year-old female$2,837
Married 35-year-old male$2,777
Married 60-year-old female$2,549
Married 60-year-old male$2,594

Single, 17-year-old female drivers pay much less than single, 17-year-old male drivers. But as you can see, the difference between rates for the genders decreases as a person ages so that married 60-year-old males are paying on average only $45 more than married females of the same age.

Cheapest ZIP Codes in Deltona, FL

Deltona is located in Volusia County. There are five ZIP codes in the Deltona area, and we’ve listed them below along with the average annual premium paid for insurance in each. Some of the ZIP codes have annual premiums that are lower than the city average.

Zip Codes in Deltona, FLAverage Annual Premium
32725$3,259
32738$3,259
32744$3,187
32763$3,213
32764$3,161

The cheapest ZIP code for car insurance in Deltona is 32764. Part of this ZIP code covers Osteen, Florida, which is on the southeast side of Deltona. The most expensive ZIP code is 32725, which stretches from the southeast border to Orange City, FL, covering the centermost portion of Deltona.

What’s the best car insurance company in Deltona, FL?

The answer to this question is totally subjective. We can and will give you all the information you need to know about car insurance in Deltona, but you will have to take that information and determine which company is best for you based on the factors we discuss.

Let’s keep going and you’ll see what we mean.

Cheapest Car Insurance Rates by Company

One thing you’ll probably want to know is which companies can offer you the cheapest rate. Here’s a list of the biggest companies in Deltona, along with their average annual rates for the demographics we’ve been exploring.

CompanySingle 17-year-old femaleSingle 17-year-old maleSingle 25-year-old femaleSingle 25-year-old maleMarried 35-year-old femaleMarried 35-year-old maleMarried 60-year-old femaleMarried 60-year-old male
Allstate$14,132$15,311$4,114$4,166$4,144$3,955$3,606$3,657
Geico$5,266$6,636$3,237$3,289$2,938$2,950$2,755$2,755
Liberty Mutual$6,868$10,554$3,276$4,425$3,276$3,276$3,006$3,006
Nationwide$6,256$7,694$2,883$2,998$2,622$2,588$2,345$2,424
Progressive$9,742$10,645$4,160$3,998$3,440$3,258$2,964$3,166
State Farm$5,336$6,800$2,048$2,190$1,846$1,846$1,677$1,677
USAA$5,454$6,308$1,984$2,138$1,591$1,564$1,491$1,476

As you can see, different companies offer different rates based on age, gender, and marital status. First, keep in mind that USAA only insures members of the military and their families.

So if this doesn’t apply to you and you’re a single 17-year-old male, Geico would be your cheapest option. However, if you’re a married 35-year-old female, you might want to consider doing business with State Farm.

Best Car Insurance for Commute Rates

Many car insurance companies will also want to know how much you’re going to be driving, as spending more time behind the wheel increases your risk of getting into an accident. Some car insurance companies issue higher rates if you drive more than 10,000 miles per year, while others charge the same rate regardless of the mileage you expect to travel during the year.

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
Allstate$6,446$6,825
Geico$3,710$3,747
Liberty Mutual$4,560$4,861
Nationwide$3,726$3,726
Progressive$5,171$5,171
State Farm$2,828$3,027
USAA$2,720$2,782

As you can see in the table, Nationwide and Progressive are two companies in Deltona that do not issue higher rates for more commute miles per year. Between the two of these, Nationwide has cheaper rates.

Best Car Insurance for Coverage Level Rates

Coverage level rates are based on the state minimum requirements for car insurance. Florida car insurance minimum requirements dictate that drivers must have liability coverage.

Liability must cover $10,000 for bodily injury of one person per accident, $20,000 for bodily injury of two or more people per accident, and $10,000 for property damage per accident. This is a common minimum requirement for liability, often called the 10/20/10 rule.

Following that same formula, the medium coverage limit is 50/100/50 and the high coverage limit is 100/300/100. The higher the coverage level, the more expensive your premiums will be. However, you’ll be covered in the case of a serious accident involving a lot of damage.

CompanyLowMediumHigh
Allstate$5,123$6,979$7,805
Geico$2,982$3,868$4,334
Liberty Mutual$4,290$4,787$5,054
Nationwide$2,937$3,875$4,366
Progressive$4,395$5,284$5,835
State Farm$2,487$2,999$3,296
USAA$2,359$2,853$3,041

As you can see in the table, the cheapest options across all coverage levels are State Farm and USAA. (Remember, USAA only services the military and their families.)

Best Car Insurance for Credit History Rates

When determining your rate, car insurance companies will consider your credit score and car insurance payment history. The better your credit, the less you’re likely to pay. Let’s review some of the rates based on credit history.

CompanyPoorFairGood
Allstate$9,298$5,862$4,747
Geico$5,425$3,288$2,472
Liberty Mutual$6,055$4,456$3,621
Nationwide$4,655$3,425$3,099
Progressive$6,734$4,785$3,996
State Farm$3,993$2,629$2,161
USAA$4,479$2,188$1,586

Drivers with poor credit history pay significantly more than those with fair and good credit. If you have poor credit, State Farm, USAA, and Nationwide are your best options. If you have fair credit, however, you’ll want to consider USAA, State Farm, or Geico. USAA and State Farm have the cheapest rates for those with good credit.

Best Car Insurance for Driving Record Rates

Car insurance companies will also look at your driving history, and they will likely issue higher than average rates if they discover accidents, DUIs, or speeding violations.

If you’re convicted of DUI or have too many accidents, you may be considered a high-risk driver. Some car insurance companies will cancel your policy altogether or refuse to insure your vehicle because of your high-risk status.

Here are the premiums based on driving record.

CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$5,731$6,353$6,861$7,598
Geico$2,604$4,054$3,322$4,933
Liberty Mutual$3,404$4,638$4,412$6,389
Nationwide$3,186$3,535$3,492$4,692
Progressive$4,071$5,484$6,049$5,081
State Farm$2,679$2,928$3,176$2,928
USAA$2,154$2,259$2,660$3,931

GEICO and USAA have the cheapest premiums for clean driving records. Allstate and Liberty Mutual have the most expensive rates when a driver has at least one DUI on their driving record.

There is no washout period for DUIs in Florida, which means these infractions will stay on your driving record for life. If you want a clean record and the cheaper rates that go along with that, don’t drink and drive.

Car Insurance Factors in Deltona, FL

In this subsection, we’ll cover some additional car insurance-related factors that are location-specific, including  Deltona’s job growth, prosperity, education opportunities, average incomes, homeownership, and poverty.

Metro Report — Growth and Prosperity

Why are these factors important? Job growth can increase the number of drivers that commute on roadways, thus increasing the chances of a car accident. Prosperity indicates the value of property and the production of services and goods within a particular area.

Our information comes from the Brookings Institute Metro Monitor. The Brookings Insitute measures job growth and prosperity throughout the U.S. in larger metropolitan areas. Deltona is categorized within the Deltona-Daytona Beach-Ormond Beach area.

The Brookings Institute measures the performance of each metro area using a scale from one to 100, where numbers one through 20 indicate the best performance and 81-100 indicate the worst performance. Let’s see how the Deltona-Daytona Beach-Ormond Beach area performed in growth and prosperity.

Rating% Change 1-YearGrowth 1-Year Rating% Change 10-YearGrowth 10-Year Rating
Overall Rating-47 out of 100-76 out of 100
% Change in Jobs+1.50%46 out of 100+3.90%64 out of 100
% Change in GMP+3.00%32 out of 100+1.80%85 out of 100
% Change in Jobs in Young Firms+1.90%68 out of 100-23.60%78 out of 100

Job growth around the Deltona metropolitan area increased moderately from 2016 to 2017; however, the number of jobs at young firms has decreased dramatically over the last decade, despite a recent uptick.

Let’s see how the Deltona-Daytona Beach-Ormond Beach area performed in prosperity in the last few years.

Rating% Change 1-YearProsperity 1-Year Rating% Change 10-YearProsperity 10-Year Rating
Overall Rating-39 out of 100-88 out of 100
% Change in Productivity+1.40%33 out of 100-2.00%91 out of 100
% Change in Standard of Living+1.00%65 out of 100-7.50%87 out of 100
% Change in Average Annual Wage+1.30%32 out of 100+3.70%70 out of 100

The trend within the year continues with good performance in productivity and average annual wage. But the standard of living in the Deltona area performed at a moderate rating. Basically, while the numbers don’t look great in the 10-year category, the fact that the numbers in the one-year category are positive indicates that overall prosperity is on the upswing in Deltona.

Prosperity often includes the wages earned by the residents in the area. This is important to car insurance companies, as it will determine if policyholders can afford their annual premiums while also maintaining a good standard of living.

Median Household Income

Car insurance companies do consider your annual income. They have to know to determine whether the minimum cost of insurance is manageable for you. They match up your income to their policies and give you a choice of coverage options that should work for your budget.

The median household income for Deltona, FL is $46,121.

Deltona’s average annual income is $5,000 less than the Florida state average for median household income.

How can you best manage your budget to pay for car insurance? Most policyholders pay for car insurance every month. You can split up your annual premium into six to 12 payments over the course of the year, depending on what works best for you.

If you split up your payments over a six-month span, expect to renew your car insurance when those six months have expired. Car insurance companies will send you a month-and-a-half notice alerting you that your policy requires renewal. If you choose the 12-month option, you’ll renew annually. Be advised that renewal fees will be added to your monthly installments.

Next, let’s look at the average annual rates being charged by insurance companies in Deltona, along with the percentage of the average person’s income these rates would represent.

CompanyAverage Annual RatesInsurance as a % of Income
Allstate$6,63614.39%
Geico$3,7288.08%
Liberty Mutual$4,71110.21%
Nationwide$3,7268.08%
Progressive$5,17111.21%
State Farm$2,9286.35%
USAA$2,7515.96%

How did we find the numbers for the income percentages? Using the median income provided by Data USA, we divided the average annual rates from each company by the median household income of Deltona, FL.

Let’s use the average annual rate of Deltona for example. To find the insurance rate as a percentage of income, divide $3,259 into $46,121. This will give a decimal answer of 0.07066. Move the decimal over two places to get 7.07 percent.

Try it with your median household income. We’ve provided a calculator tool below so you can calculate the percentage of your own income you’re paying toward car insurance.

Homeownership in the Deltona, FL

How is homeownership related to car insurance? For one thing, car insurance companies often issue lower rates to homeowners because they are deemed more stable and responsible, and therefore less of a risk to insure. For another, some companies offer you the opportunity to bundle your car and homeowners insurance, which could save you even more money.

Deltona, FL has approximately 23,000 homeowners.

In fact, there are more homeowners than renters in Deltona. Data USA reports that 76 percent of the city’s residents own their homes, while the other 24 percent rent. That’s higher than the U.S. average homeownership rate of 64 percent.

The median property value in Deltona was $119,600 in 2017.

Education in Deltona, FL

There’s one college in the city of Deltona, FL, and that’s Daytona State College—Deltona Campus. It’s a public college that offers two-year degrees and four-year degrees. The average cost of in-state tuition is $3,112. Daytona State College is known for its business, engineering, health service, art, and science programs.

Some companies offer student discounts on car insurance. Student Loan Hero, a website featuring resources for college students, states that college students can receive a discount on car insurance for earning good grades.

Wage by Race and Ethnicity in Common Jobs

With the average income in Deltona being less than Florida’s state average, one might wonder about the typical wages in the city. Take a look at the information below from Data USA featuring wage disparities by race and ethnicity in common jobs. To analyze the data further, we’ve also included the insurance rates as a percentage of income by using the average annual rate for insurance in Deltona, FL.

Wage by Race and Ethnicity in Common JobsMiscellaneous ManagersCar Insurance as % of Income (MM)Elementary & Middle School TeachersCar Insurance as % of Income (E&M Teachers)Retail SalespersonCar Insurance as % of Income (Retail)Customer Service RepsCar Insurance as % of Income (Drivers)CashiersCar Insurance as % of Income (Cashiers)
American Indian$64,9925.01%$28,66911.37%$32,6219.99%$25,43712.81%$11,93727.30%
Asian$90,1993.61%$36,6458.89%$21,66815.04%$30,52910.68%$18,91517.23%
Black$65,7614.96%$39,8118.19%$19,04617.11%$24,90513.09%$13,84723.54%
Native Hawaiin and Other Pacific Islander$69,4374.69%$33,5209.72%$6,87047.44%$23,90213.63%$13,55724.04%
Other$52,0276.26%$38,6618.43%$23,44513.90%$23,96013.60%$19,21916.96%
Other Native American----$14,27422.83%--$12,25526.59%
Two or More Races$68,4094.76%$39,1838.32%$19,61616.61%$24,23213.45%$11,92127.34%
White$85,5353.81%$41,7027.81%$30,91910.54%$29,10811.20%$14,85421.94%

People earning annual wages that were less than the median household income paid more as a percentage of income for car insurance.

Native American Indian and Native Hawaiin people paid more as a percentage of income, also. Managers make the most out of all the job categories in the table. The highest-paid ethnic group in Deltona are those of Asian descent.

Wage by Gender in Common Jobs

It’s pretty common knowledge there is a wage gap between the genders, with men earning more than women for performing the same job. Wage disparities in regard to gender are a statistical trend that exists in most cities in the U.S. But if women pay less for car insurance, do they pay more as a percentage of income?

The data below will show those results.

Wage by Common Jobs SummaryMale SalariesCar Insurance as % of Income (Male)Female SalariesCar Insurance as % of Income (Female)
Miscellaneous Managers$94,9353.43%$69,1144.72%
Elementary & Middle School Teachers$47,0646.92%$43,7277.45%
Retail Salespersons$47,1686.91%$31,87110.23%
Customer Service Reps$37,9078.60%$31,86610.23%
Cashiers$28,97211.25%$22,41614.54%

Women do pay less for car insurance premiums but pay more for car insurance as a percentage of income in Deltona, FL. There are major wage disparities between genders here, especially in management. Male managers earn $5,000 more than their female counterparts.

Poverty by Age and Gender

Poverty is an issue just about everywhere across the United States, including in Deltona, FL.

Approximately 16 percent of Deltona’s population lives in poverty. According to Data USA, this translates to roughly 14,000 people. Deltona’s poverty rate is higher than the national average poverty rate, which is 13.4 percent.

Which gender is the most affected? The data table listed below shows the numbers.

Poverty by Age and AgenderMales in PovertyFemales in Poverty
Younger than 5609489
5 Years Old117224
6 to 11 Years Old841792
12 to 14 Years Old344274
15 Years Old25068
16 to 17 Years Old431265
18 to 24 Years Old517980
25 to 34 Years Old502786
35 to 44 Years Old6191,139
45 to 54 Years Old867820
55 to 64 Years Old521700
65 to 74 Years Old292496
75 Years and Older264457

The people most affected by poverty in Deltona are females from 35-44 years old, followed by females age 18-24, and then males 45-54 years old. There are more females than males living in poverty in the city.

Poverty by Race and Ethnicity

Let’s broaden the spectrum. Data USA also calculates the people living in poverty by race and ethnicity, so take a look at the table below.

Poverty by Race and Ethnicity# of People in Poverty% of People in Poverty
Hispanic5,62829.20%
White10,54654.70%
Other5092.64%
Black1,99110.30%
Asian1110.58%
Two or More3831.99%
Native American1240.64%

White residents are the most likely of all ethnic groups to live in poverty in Deltona, followed by Hispanic residents. The lowest poverty numbers are for Native American and Asian residents, likely in part because the population of people of these ethnicities living in Deltona is small.

Employment by Occupations

Research by Data USA  and the Brookings Institute indicates that employment grew by two percent in Deltona from 2016 to 2017. The most common job groups in the city are office and administrative support jobs, sales jobs, and management jobs. These jobs are in high demand during the peak seasons of the year, such as Spring, Summer, and early Winter.

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Driving in Deltona, FL

Deltona is an urban area with long roadways that stretch across the city. Some of those city roadways lead to I-4 and FL-400, which is on the western side of Deltona. City-Data reports that Deltona is mostly an urban area, so expect a few traffic lights around the city.

As we go through this section, you’ll get an idea of what it’s like to drive in Deltona, FL. In addition to the highway and general roadway information, we’ll give you some crime data, crash fatality numbers, driving reports, and other relevant information to help you.

Roads in Deltona, FL

First, let’s talk about the roadways.

There are not many major highways in Deltona, but there are several city roads that flow throughout the city, such as Saxon Boulevard (CR-4146), Providence Boulevard (CR-4155), and Doyle Road (CR-4162).

Major Highways in Deltona, FL

The only major interstates near Deltona are I-4 and FL-400. I-4 is a 132 mile U.S. interstate that is in conjunction with I-275, I-95, I-75, and SR-400 or FL-400. I-4 goes through Tampa, Lakeland, Orlando, and Daytona Beach.

Here’s a video of the I-4 route through Deltona.

What about toll roads in Deltona?

Last September, Volusia County officials eliminated toll lane plans for their portion of I-4, making it easier for travelers to commute north and south through Florida.

Popular Road Trips/Sites

There aren’t many popular spots within Deltona, but there are a lot of things to do nearby. However, Deltona does have a great number of natural parks. Here’s a video of one of the most popular attractions.

If you want to see more popular spots in or around Deltona, visit The Crazy Tourist. They list at least 15 other sites that you can visit around Volusia County.

Road Conditions in Deltona, FL

According to the TRIP Urban Report, 69 percent of Deltona’s roadways are in good condition, and 21 percent are in poor condition.

Road conditions are important due to estimated changes in vehicle travel speeds and delays. These factors affect vehicle operating costs (VOCs).

The average annual VOC in Deltona, FL is $383.

VOCs are costs that change depending on vehicle use, including fuel, tires, repairs, and mileage-dependent depreciation costs.

Does Deltona, FL use speeding or red light cameras?

There are automated enforcement laws in the state of Florida. There are red-light cameras throughout the state, but speeding cameras are not in use.

This map will provide locations of red-light cameras in the Deltona, DeLand, and Daytona Beach areas.

Vehicles in Deltona, FL

This subsection will cover vehicle information related to Deltona, FL. This will include vehicular theft data and fatality crash rates in the city.  This information matters to car insurance companies and people living in areas with high crime and/or fatality rates are likely to see higher premiums.

This is because a higher crime rate or high rate of DUIs or speeding can be costly to the driver and the car insurance company paying for the damages. We’ve combed through the data on these subjects from reputable sources and summarized the information below.

Most Popular Vehicles Owned

What sort of cars do they drive in Deltona? Our Florida guide says the most popular car in Florida is the Toyota Corolla. In Deltona, you will see your share of trucks, RVs, and SUVs.

Why? Deltona is home to many lakes, parks, and trails. During the vacation seasons, you’ll see more vehicles used for outdoor activities. The Toyota Corolla is popular because it is a standard, practical, fuel-efficient sedan that will get you from Point A to Point B.

How many cars per household

Data USA reports that most households in Deltona own two cars. The second-largest share of households own three cars. This data point falls in line with age and marital status data. More than likely, households with two or more cars are married drivers with children or homes with more than two adults living together.

Households without a Car

Only 4.37 percent of U.S. households don’t own a motor vehicle. In Deltona, less than two percent (424 households) are carless. This may be due to poverty, or it could mean some residents of Deltona rely on ridesharing and public transit to commute around the city.

Speed Traps in Deltona, FL

Speed traps are like sting operations. Law enforcement chooses a designated (usually hidden) location and tracks the speed of drivers on the roadway. Motorists who exceed the speed limit or drive recklessly are ticketed and must appear in court or pay their ticket outright. Speeding violations from speed traps will appear on your driving record.

Are there any speed traps in Deltona? Speed traps are used nationwide by law enforcement. Deltona has speed trap reports that go back as far as 2002. The most recent report was in 2014 at Fort Smith, just past Courtland near a fire station.

Some speed traps go unreported. Your best bet is to just drive the speed limit, assuming law enforcement could be around the corner at any given moment.

Vehicle Theft in Deltona, FL

We searched through some FBI data and Deltona wasn’t listed in their database of crime statistics for 2018. Does this mean that there was no crime in Deltona, FL? Of course not. Let’s look at another agency’s results.

But first, here’s a video reporting on a pretty major bust in Deltona, Volusia County.

Neighborhood Scout may not be as elaborate as the FBI, but they report crime data from carefully gathered research. According to them, these are the safest neighborhoods in Deltona, FL:

  • E Kicklighter Rd / Ranch Rd
  • Howland Blvd / E Graves Ave
  • Doyle Rd / Garfield Rd
  • Elkcam Blvd / Heathwood St
  • Doyle Rd / Saxon Blvd
  • Courtland Blvd / Haulover Blvd
  • India Blvd / Prescott Blvd
  • Saxon Blvd / Fruitland Dr
  • Fort Smith Blvd / Courtland Blvd
  • Howland Blvd / Courtland Blvd

Despite having safe neighborhoods, crime does happen. How likely is it to happen to you if you live in Deltona FL? Let’s look at the numbers from Neighborhood Scout.

Crime SummaryViolent CrimesProperty CrimesTotal Crimes
Number of Crimes2351,1231,358
Crime Rate (per 1,000 residents)2.5612.2114.77

Based on the data above, Deltona residents are more likely to be the victim of a property than a violent crime. Your chances of becoming a victim of property crime in Deltona are 12 in 1,000, and your chances of being a violent crime victim are three in 1,000.

Is Deltona safer than most cities in Florida or the U.S.? The table below will show you the comparisons.

Violent Crime SummaryViolent Crime RateChances of Becoming a Victim
Deltona2.561 in 391
Florida (state average)3.851 in 260
National average4-

Fortunately for Deltona residents, the violent crime rate here is lower than the state and national averages.

Does the trend continue for property crime? Let’s take a look.

Property Crime SummaryProperty Crime RateChances of Becoming a Victim
Deltona12.211 in 82
Florida (state average)22.821 in 44
National average24-

There’s a double-digit disparity between Deltona and the Florida and U.S. averages for property crime. Once again, great news for Deltona residents.

Neighborhood Scout measures the safety of a city through its crime index rating. The scale is from one to 100, where 100 is the safest rating. Deltona’s rating in the Neighborhood Scout crime index is 43.

Traffic in Deltona

Deltona is mostly comprised of urban areas, with numerous intersections and a few long roads across the city. Although the population is much smaller than the major cities of Florida, peak hours of the day will make it difficult for drivers to commute from home to work and vice versa.

We’ll explore the traffic conditions in Deltona in this subsection and provide other related data such as road reports, highway information, common modes of transportation, and crash fatality data.

Traffic Congestion

Most of the traffic reports we provide for Florida car insurance guides are from INRIX, Numbeo, and TomTom. However, Deltona isn’t listed in any of these databases. However, there’s still a way to view traffic information and forecasts for the city. When you Google search “Deltona, Florida Traffic Congestion,” you’ll get traffic forecast results.

Watch this video report on how Volusia County law enforcement educates drivers on traffic etiquette.

Transportation

The average commute time in the U.S. is about 25 minutes, and the Florida average commute time is 26 minutes. Deltona residents’ average commute time is approximately 31 minutes. About two percent of Deltona workers have super commutes, meaning it takes them more than 90 minutes to get to work.

What is the most common method of travel for commuters in Deltona? Data USA reported that 87 percent of motorists in Deltona drive to work alone. Roughly eight percent of people carpool to work, while 3.61 percent of people work from home. Only 123 people reported using public transit in Deltona.

Busiest Highways

As we mentioned, the major highways near Deltona are I-4 and FL-400, located west of the city. I-4 goes through Tampa, Orland, Landland, and Daytona Beach. Saxon Boulevard and Enterprise Road in Deltona lead right to I-4.

How safe are Deltona streets and roads?

As a driver on the road, safety is probably one of your main concerns. And as we’ve mentioned, it matters to car insurance companies too. If you live in an area where traffic fatalities are very common, insurance companies have reason to be concerned, as they could end up paying out very expensive claims.

The data provided below is from the National Highway Traffic Safety Administration (NHTSA) and shows the number of vehicular crash fatalities in Deltona and the adjacent counties in 2017 and 2018.

Counties in Florida2017 All Crash Fatalities2018 All Crash Fatalities
Brevard County8385
Flagler County3315
Lake County4863
Marion County9084
Orange County188177
Putnam County2638
Seminole County4836
Volusia County130106

Volusia County had the second-highest number of crash fatalities among the counties listed in the table. However, fatalities dropped by 24 from 2017 to 2018.

Next, let’s review how many of those crashes were caused by alcohol-impaired drivers.

Counties in Florida2017 Alcohol-Impaired Fatalities2018 Alcohol-Impaired Fatalities
Brevard County2219
Flagler County73
Lake County1419
Marion County2332
Orange County5036
Putnam County1017
Seminole County109
Volusia County3921

Volusia County had 39 alcohol-related in fatalities in 2017, but the number decreased to 21 in 2018.

Even one death is too many. This is one reason law enforcement is tough on DUIs and a reason car insurance companies increase rates, deny a driver car insurance, or cancel a policyholder’s insurance if they’re convicted of this offense.

Let’s look at crash fatalities that only involved one vehicle.

Counties in Florida2017 Single-Vehicle Crash Fatalities2018 Single-Vehicle Crash Fatalities
Brevard County4937
Flagler County167
Lake County1826
Marion County4649
Orange County10695
Putnam County1318
Seminole County3016
Volusia County7162

Volusia County has the second-largest share in single-vehicle crash fatalities. Orange County had the most fatalities in this category.

Speeding fatalities are much like alcohol-impaired fatalities. A speeding violation that caused a fatality carries more than a fine; drivers may face serious charges, including involuntary manslaughter. Let’s look at the speed-related fatalities in select counties in Florida.

Counties in Florida2017 Speeding-Related Fatalities2018 Speeding-Related Fatalities
Brevard County1510
Flagler County22
Lake County28
Marion County31
Orange County1913
Putnam County16
Seminole County53
Volusia County107

Fortunately, Volusia County only had 10 speed-related fatalities in 2017 and seven in 2018. Let’s hope these numbers continue to fall.

The data below shows the number of fatalities caused by roadway departure. Roadway departure fatalities are crashes and collisions where vehicles collide on the roadway and the impact push vehicles off the road. Let’s see how many fatalities there were in this category.

Counties in Florida2017 Roadway Departure Fatalities2018 Roadway Departure Fatalities
Brevard County2927
Flagler County146
Lake County1924
Marion County3744
Orange County6547
Putnam County1316
Seminole County1411
Volusia County4932

Once again, Volusia County’s numbers dropped from 2017 to 2018, which is a great sign.

How many of the crashes involved intersections? Let’s take a look.

Counties in Florida2017 Intersection Fatalities2018 Intersection Fatalities
Brevard County3136
Flagler County125
Lake County1823
Marion County2822
Orange County5972
Putnam County611
Seminole County2214
Volusia County4545

Orange County had the most fatalities in intersection-related crashes. Flagler County and Putnam County had the fewest. Volusia County had the second-highest number of fatalities, so drivers here should keep this in mind and remember to be extra cautious at intersections.

The next data table shows the fatality numbers for passengers in vehicles.

Counties in Florida2017 Passenger Car Occupant Fatalities2018 Passenger Car Occupant Fatalities
Brevard County1834
Flagler County125
Lake County1818
Marion County2637
Orange County6255
Putnam County813
Seminole County1115
Volusia County2118

Brevard County, Marion County, Putnam County, and Seminole County had fatality numbers that increased from 2017 to 2018, while the Flagler County, Orange County, and Volusia County fatality numbers decreased.

How many pedestrians are killed by vehicles in Volusia and the surrounding counties? See below.

Counties in Florida2017 Pedestrian Fatalities2018 Pedestrian Fatalities
Brevard County2013
Flagler County32
Lake County610
Marion County1610
Orange County6255
Putnam County46
Seminole County136
Volusia County2630

Unfortunately, Volusia County’s number of pedestrian fatalities increased from 26 in 2017 to 30 in 2018.

Next, we’ll look at how many pedalcyclists are affected by fatalities in 2017 and 2018. The NHTSA defines pedalcyclist as “bicyclists and other cyclists including riders of two-wheel, nonmotorized vehicles, tricycles, and unicycles powered solely by pedals.”

Let’s see how they were affected in the selected counties below.

Counties in Florida2017 Pedalcyclist Fatalities2018 Pedalcyclist Fatalities
Brevard County55
Flagler County10
Lake County02
Marion County54
Orange County58
Putnam County02
Seminole County42
Volusia County45

The fatality numbers in the pedalcyclist category barely reach the double-digit mark. The most fatalities involving pedalcyclists were in Orange County. Volusia County had a total of nine fatalities within this two-year span.

The NHTSA’s Fatality Analysis Reporting System gives more detailed information on crash fatalities by sorting the fatalities by area, highway, and type of road.

First, let’s define some terms.

Arterial roads are roads that are estimated to be heavily populated. Minor arterial roads are smaller roads that link cities and small towns, while collector roads connect motorists to points on roadways that eventually connect to arterial roads within the county.

Now that you’ve got this information, let’s look at the FARS data from the NHTSA.

Counties in FloridaRuralUrbanFreeway and ExpresswayOtherMinor ArterialCollector ArterialLocalUnknownTotal Fatal Crashes
Brevard (9)664348361279
Flagler (35)1304312014
Lake (69)003185187960
Marion (83)32024102181078
Orange (95)14205040261016167
Putnam (107)00015654434
Seminole (117)06215710233
Volusia (127)213041127819102

Volusia County had the most fatalities on urban roads compared to the other counties on the table. Volusia had no fatalities on freeways or expressways but had the second-most fatalities on other roads in the designated data. They also had the highest number of fatalities on unknown or unclassified roads.

Finally, let’s review the fatalities involving railroads. These incidents involving railways come from the U.S. Department of Transportation.

Calendar YearCountyHighwayHighway User TypeRail Equipment TypeNon-Suicide FatalitiesNon-Suicide Injuries
2012Volusia10th StreetAutomobileFreight Train00
2014VolusiaMason AvenueAutomobileFreight Train01
2014VolusiaBroadway StreetPick-up truckFreight Train00
2014VolusiaPrevett RoadPedestrianPsgr Train10
2014VolusiaVolusia WoodyardPick-up truckPsgr Train11
2015VolusiaWashington StreetPedestrianFreight Train01
2015VolusiaBroadway StreetAutomobileFreight Train00
2015VolusiaSR-40AutomobilePsgr Train00
2016Volusia8th StreetPedestrianFreight Train10

From the data, we can see that only two fatalities occurred in 2014 and one in 2016. Only one injury was reported from 2014-2016. Motor vehicles are the most likely to be involved in railway incidents.

Allstate America’s Best Drivers Report

Every year, Allstate provides a report on the cities with the best drivers in the U.S. These cities are listed from best to worst.

Orlando, Florida Allstate Best Driver Report SummaryStats
2019 Best Drivers Report Ranking93
Average Years Between Collisions9.16
2018 Best Drivers Report Ranking72
Change in Ranking From 2018 to 2019-21
Relative Claim Likelihood (Compared to National Average)0.154
Drivewise® HardBraking Events per 1,000 Miles23.04

Deltona, FL, however, is not listed in Allstate’s latest Best Drivers report, so we’ll include the largest metro area closest to Deltona, which is Orlando, FL. According to Allstate, drivers in Orlando report an accident once every 9.16 years and experience a hard braking event 23 times for every 1,000 miles. The city ranked number 93 on the list, having fallen 21 places since the prior year.

Ridesharing

RideGuru lists a few ridesharing services in Deltona. Among them are Uber, Lyft, taxi services, Blacklane, and Carmel. RideGuru and UpHail share the average costs of rideshare fares on their websites.

EStar Repair Shops

EStar repair shops are automative repair centers that are in compliance with the Esurance repair update system. This system ensures that repair shops do high-quality work and provide excellent customer service. Each shop in the Esurance network is a qualified facility that adheres to strict environmental and EPA standards. Here are the closest EStar repair shops to Deltona, FL.

Location NameAddressE-mailPhone Number
Martin's Collision Center2540 S. Myrtle Avenue, Sanford, FL 32773dave@martinscollisioncenter.com(407) 323-7075
Littlefield Paint & Body, Inc.1630 Parade Circle, Deland, FL 32724littleoffice@aol.com(386) 734-5747
Autonation Collision Center - Oviedo1441 Alafaya Trail, Oviedo, FL 32765collision2859@autonation.com(407) 977-2266

There were only three Estar locations within a 20-mile radius of Deltona. Even if you have to travel a little further to get your car to an Estar repair shop, the quality of work and customer care should be worth it.

Weather in Deltona, FL

Deltona’s weather conditions are fairly moderate. The average annual high temperature for Deltona is about 82 degrees and the average annual low temperature is 60 degrees.

The average temperature in Deltona, FL is roughly 70 degrees. The coldest month in Deltona is January, with an average high temperature of 70 degrees and an average low temperature of 47 degrees.

The average annual rainfall in Deltona is 4.4″, and the average day sees 12.25 hours of daylight.

Speaking of weather, Deltona has seen more natural disasters than the average U.S city. The average number of disasters per city in the U.S. is 13. Deltona’s total is 24. Most of those disasters have been hurricanes, tornados, and tropical storms. Deltona is surrounded by several lakes and is only a few miles away from the beach, which makes the city vulnerable to flooding and tropical force winds.

It’s strongly advised for Deltona residents to invest in comprehensive car insurance. Comprehensive coverage specifically pays for damage related to storms and other disasters, along with theft, vandalism, and other incidents totally out of your control.

Public Transit in Deltona, FL

If you’re looking to use public transportation for your commute, be prepared to buy a bus pass. Deltona and several other cities in Volusia County are connected by the public transit system known as Votran.

As of March 16, 2018, Votran won’t charge a convenience fee for credit card or debit card bus fare purchases.

Votran adult fares cost $1.75 per trip. Senior citizens that are 65 and older and youth aged seven to 18 pay a reduced fare of $.85. Children under seven can ride for free, but this is limited to three children per trip. Adults may purchase ten fare tokens for $16.50. For reduced fares, 10 tokens can be purchased for $7.50.

For unlimited rides on the Votran transit system, you can purchase a value pass. See below for the value pass fare information.

Value Pass TypeCurrent faresReduced Fares
All-day pass$3.75$1.85
3-day pass$7.50$3.75
7-day pass$13.00$6.50
31-day pass$46.00$23.00

You can purchase a reduced fare pass online or through a mail-order request delivered by USPS. For those who want to pay for a Votran pass in-person, you can purchase them from the Deltona Regional Public Library. Here’s the address:

2150 Eustace Ave.
Deltona FL 32725
(386) 789-7207
Deltona-Osteen (407) 328-4912
Open: Monday-Thursday 9:30 a.m.-7:30 p.m.; Friday-Saturday 9:30 a.m.-5:00 p.m.;  Sunday 1:00 p.m.-5:00 p.m..

If you purchase a reduced fare online or by mail, you must show proof of eligibility upon boarding a bus. You can use any of the following to do so:

  • Government-issued ID card
  • Valid agency ID
  • Valid Volusia County school student ID card
  • Medicare card (Red, White and Blue card, not Medicaid Gold card)
  • Passport or Votran ID card

Votran photo ID cards can be acquired at the Votran administration office at 950 Big Tree Road in South Daytona. The card costs $2.

Cost of Alternate Transportation in Deltona

It’s not likely that Deltona has other forms of transportation beyond ridesharing and the public transit system, though you may be able to find bike rental shops near the hiking trails.

Parking in Deltona, FL

The closest metro parking to Deltona is Park and Ride in Orange City, FL, and The Medical Center Drive Parking, which is also in Orange City. Parking is generally free around Deltona. Officials of the city urge motorists to park away from the right of way so other motorists have a clear field of view and clear roadway to pass through.

Air Quality in Deltona FL

What’s the air quality like in Deltona, FL? The Environmental Protection Agency (EPA) determines air quality through the Air Quality Index (AQI), which measures how clean or polluted a city’s air is and what associated health effects can be caused by the air. Here are the measurements for the Deltona metro area.

Geographic AreaDays with AQIDays with Good AQIDays with Moderate AQIDays with Unhealthy AQI for Sensitive GroupsDays with Unhealthy AQIDays with Very Unhealthy AQI
Deltona-Daytona Beach-Ormond Beach, FL26323627---

Deltona’s air quality was optimal through 2019. This may be due to the many bodies of water and the preservation of native plants in the city. Also, it could mean that there are fewer vehicles on the roadways.

Military/Veterans

Like college students, veterans can also receive discounts on car insurance. In this section, we’ll cover which companies offer discounts and what their rates look like.

Military Veterans by Service Period

Data USA reported that the largest portion of veterans in Deltona, over 2,200 people, served in the Vietnam War.

Miliary Bases within an Hour

The closest military facilities to Deltona are the DeLand National Guard Armory, U.S. Air Force Recruiting Office, and the U.S. Coast Guard station Ponce De Leon.

Military Discounts by Providers

For those that do serve in the military, there are several car insurance companies that offer military discounts:

  • Allstate
  • Farmers
  • GEICO
  • Liberty Mutual (must be active duty)
  • MetLife
  • Safeco (active or retired)
  • USAA

USAA Available in Florida

USAA policies are available to military members and their immediate families. In addition to their unique eligibility, USAA has some of the lowest car insurance premiums across the U.S., including in Deltona. Let’s take another look at car insurance rates from each major company in Deltona.

CompanyAverage Annual RatesInsurance as a % of Income
Allstate$6,63614.39%
Geico$3,7288.08%
Liberty Mutual$4,71110.21%
Nationwide$3,7268.08%
Progressive$5,17111.21%
State Farm$2,9286.35%
USAA$2,7515.96%

USAA is much cheaper than the other companies. Even car insurance as a percentage of income is lower with this company than with the others.

Unique Deltona Laws

What laws are specific to Deltona? We talked about a few that are unique to Florida in our extensive Florida Insurance Guide. Deltona has a list of city ordinances as well. We’re not going to explain each one, but here are a few you should definitely be aware of.

Hands-Free Laws

First, let’s talk about the hands-free law in Deltona. Volusia County is in compliance with Florida state law and has implemented the hands-free law into their county legislation.

On October 1, 2019, the state of Florida outlawed all use of handheld devices while operating a motor vehicle. The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) stated that cellphones can only be used in a hands-free manner while driving.

Food Trucks

We also did some research on food truck law in Deltona and Volusia County. What we found is that most organizations, businesses, and individuals who are serving food in public must have a permit from the Volusia County Health Department. Here’s a short video explaining how you can obtain one.

Be prepared to have a business license in addition to health permits to serve food from a food truck as well.

Tiny Homes

Tiny homes are booming in central Florida. The state has given the green light to tiny homes and contractors are building them on empty lots and even adding wheels to tiny homes. Here’s a short video on tiny homes and the challenges of getting one approved by county authorities.

Parking Laws

Let’s move onto parking laws in Deltona.

Deltona’s parking ordinance states that improper parking is when the vehicle is not parked in an approved driveway and/or on the side of the home behind the front face or the rear of the home.

If a motorist is planning to permanently park on the side of your driveway, consult Deltona officials on how to put in an extended driveway.

Additional parking laws state that vehicles that require a CDL to drive cannot be parked in residential areas or agriculture areas of five acres or less. Also, vehicles over 10,000 pounds or vehicles designed to carry 16 or more passengers cannot be parked in residential areas or agriculture areas of five acres or less.

No vehicles can be parked in undeveloped lots. Also, vehicles cannot be parked on roadways in a way that obstructs the right-of-way of other vehicles. Vehicles parked on the roadway that are not in the right-of-way cannot be parked on the road for more than two days.

Deltona Car Insurance FAQs

This last section covers some questions you may still have after reading the guide. You can also post questions in the comment section of this webpage and we’ll answer them to the best of our ability.

Does Deltona have government-sponsored car insurance?

No. Florida is one of many states that doesn’t offer state-funded car insurance.

What’s the average commute time from Deltona to Orlando, FL?

If you’re driving with your car from Deltona to Orlando, it’ll take at least 33 minutes.

Does comprehensive coverage pay for flood damage?

Yes. Comprehensive coverage will pay for flood damage because the damage comes from an event outside of your control.

What are the minimum requirements for car insurance in Deltona, FL?

The minimum requirements for car insurance in Deltona, FL are $10,000 for bodily injury for one person per accident, $20,000 for bodily injury for two or more people per accident, and $10,000 for property damage. If you think these coverage limits aren’t enough, ask your car insurance company about medium coverage.

It’ll cost more, but they may give you a discount based on other factors.

Will car insurance companies in Deltona, FL replace my damaged windshield?

Yes. Most companies have a zero deductible when you enroll in comprehensive car insurance coverage.

Can I get car insurance for my electric car in Deltona, FL?

Absolutely. Keep in mind that car insurance coverage may be more expensive due to the value of the vehicle.

Now you know what the car insurance requirements are in Deltona. Are you ready to start shopping? Enter your ZIP code below to get started.

References:
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  3. https://www.brookings.edu/research/metro-monitor-2019-inclusion-remains-elusive-amid-widespread-metro-growth-and-rising-prosperity/
  4. https://c24215cec6c97b637db6-9c0895f07c3474f6636f95b6bf3db172.ssl.cf1.rackcdn.com/interactives/2019/metro-monitor19/assets/19660.pdf
  5. https://datausa.io/profile/geo/deltona-fl/#income
  6. https://datausa.io/profile/geo/deltona-fl/#housing
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  27. https://www.deltonafl.gov/code-enforcement/pages/city-code-requirements-rules

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