The car, truck, or SUV you are trying to insure is one of the biggest factors when shopping for economical coverage for drivers with a DUI. Vehicles with lower performance, modern passenger safety features, or a low likelihood of liability claims will cost substantially less to insure than higher performance models. The list below illustrates insurance rates for a handful of the cheapest vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,813|
|Honda CR-V LX 4WD||$1,855|
|Ford Escape XLT 4WD||$1,902|
|Ford Explorer Eddie Bauer 2WD||$1,910|
|Honda Odyssey EX||$1,975|
|Honda Accord EX-L 4-Dr Sedan||$2,012|
|Volkswagen Jetta S 2.5 Station Wagon||$2,017|
|Chevrolet Impala LT||$2,012|
|Toyota Tacoma 4WD||$2,027|
|Dodge Grand Caravan SE||$2,086|
|Chevrolet Equinox LT AWD||$2,150|
|Toyota RAV4 Sport 2WD||$2,158|
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Prices based on single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can change coverage prices significantly.
Looking at the numbers, you can see that makes and models like the Hyundai Elantra, Honda CR-V, Ford Escape, Ford Explorer, and Honda Odyssey are most likely to be the less-costly vehicles to insure after getting a DUI. Prices will tend to be higher because of the fact that there is more liability exposure for drivers with a DUI, but in general those makes and models will probably have the cheapest car insurance rates available.
After getting a DUI, one of the largest things that are looked at to determine the amount you pay for auto insurance is where you live. Areas with more people or even just a higher incidence of claims are more likely to have higher rates, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The illustration below lists the highest-priced places in Florida for drivers with a DUI to buy auto insurance in. Orlando is ranked at #18 having an annual price of $2,029 on average, which is about $169 each month.
|Rank||City||Premium Per Year|
|5||West Palm Beach||$2,679|
|19||Port St. Lucie||$1,975|
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Rate quotes are comparative as vehicle location can modify prices substantially.
Determining which insurers offer the cheapest insurance rates for drivers with a DUI will take more time than just quoting one company’s rates.
Each insurer uses a slightly different approach to set their prices, so we’ll go over the insurance companies that tend to be cheaper in Florida. We do need to point out that Orlando, FL insurance rates are influenced by many factors which can substantially decrease or increase the price of your policy. Simply improving your credit, buying a home, or getting caught speeding can trigger rate changes resulting in some companies being cheaper than others.
Best Cheap Insurance Rates after a DUI
|Rank||Company||Cost Per Year|
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USAA quotes some of the lowest car insurance rates in Orlando at around $948 a year. This is $1,500 less than the average policy premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also rank well as some of the cheaper Orlando, FL insurance companies.
As the example above demonstrates, if you are currently insured with Amica and switched to USAA, you may see savings of in the vicinity of $746. Drivers with Electric could save as much as $798 a year, and Progressive policyholders might see rate reductions of $899 a year.
It’s important to note that these estimates are averaged across all drivers and vehicles in Florida and do not factor in a specific vehicle garaging location for drivers with a DUI. So the company that can offer you the lowest price may not even be in the list above. That underscores the importance of why you need to compare prices as often as possible using your own individual information.
The information below shows how choosing a deductible can increase or decrease insurance costs when getting quotes for cheap insurance for drivers with a DUI. The data is based on a single male driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could pocket $460 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $696 by using a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could potentially save $1,354 every year by choosing a larger deductible amount. When raising deductibles, it is important to have enough funds in savings to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Selecting the top company can be rather challenging considering how many companies sell insurance in Florida. The ranking data shown below could help you decide which auto insurance companies to look at comparing rates with. The rankings below only include large insurance companies, so companies that have a smaller presence will not be included in this list.
Top 10 Large Auto Insurance Companies in Orlando Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Large Auto Insurance Companies in Orlando Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Don’t stick with an overpriced policy
Florida insurance rates are impacted by many things that will increase or decrease the policy price. Improving your credit score, having a teen driver, or getting a couple of tickets can produce rate changes resulting in some companies being cheaper than before.
In addition, auto insurance companies modify pricing every year or even multiple times each year to reflect underwriting profits or losses. Unexpectedly high claims can cause higher rates, while a better claims history may produce more affordable Orlando car insurance rates.
For instance, the chart below analyzes the cheapest car insurance in Orlando, FL for a 45-year-old female driver with a clear driving record, no claims, and a good credit history. If we estimate rates based on her current risk factors, USAA has the lowest car insurance rates in Orlando at $1,167 each year. This is $1,281 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury are the rest of the most affordable Orlando, FL auto insurance companies.
Let’s now give the driver from above a chargeable claim, less-than-perfect credit, and a traffic ticket or two. Since every insurance provider has a different process for determining rates in each state, comparing quotes may now show a new list of affordable companies as shown below.
USAA now has the cheapest auto insurance in Orlando with Allied, Esurance, State Farm, and Auto-Owners also having competitive pricing. This shows why Orlando drivers need to perform a complete rate comparison to find affordable car insurance rates for drivers with a DUI.
Prices consist of many different factors and can increase or decrease at any time, so the most economical company a year ago may now be an over-priced policy.
How to find the cheapest auto insurance for drivers with a DUI
The list below shows some of the better money-saving ideas that can help you get low-cost coverage.
- If your vehicles are older, consider dropping full coverage
- Buy your homeowners policy from the same company as your auto insurance
- Do not get into accidents
- Try to not file small claims
- Be a cautious driver
- Drive vehicles with five-star safety ratings
- Compare rate quotes frequently
The last suggestion is extraordinarily valuable, as was discussed in the prior information. Insurance rates fluctuate constantly, so don’t hesitate to switch carriers if you find a cheaper price.
Staying with the same car insurance company is fine, but it’s not a great idea if that stubbornness costs you potentially thousands of dollars a year. In just a few minutes you could compare rates and find cheaper auto insurance for drivers with a DUI in Orlando.
The Orlando, FL, insurance agents below are a good start to aid you in deciding which coverage meets your needs best, since lots of people like to get some guidance when shopping for cheaper insurance for drivers with a DUI. It can be time-consuming to find the best coverage yourself, so insurance agents can bring satisfaction knowing your policy gives you enough coverage if you have a claim. To locate an Orlando insurance agent in your neighborhood, click the button link following the list.
Budget Insurance Agency
5574 N Orange Blossom Trail – Orlando, FL 32808 – (321) 270-6385
Mike Broschart – State Farm Insurance Agent
4638 S Kirkman Rd – Orlando, FL 32811 – (407) 298-2700
Brown and Brown Insurance Agency, Inc.
7009 Dr Phillips Blvd # 280 – Orlando, FL 32819 – (407) 843-7500