Who Has Affordable Orlando Auto Insurance Rates for Uninsured Drivers?

For drivers with no prior coverage, one of the largest components that are looked at to help calculate the price you pay for insurance is where your car is garaged. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas more rural areas benefit from lower coverage costs.

The table below lists the most expensive cities in Florida for uninsured drivers in which to buy car insurance. Orlando ranks #19 with the annual price of $2,008 for car insurance, which is around $167 monthly.

How much does auto insurance cost in Orlando?
Rank City Annual Rate
1 Hialeah $3,523
2 Miami Gardens $3,245
3 Miami $3,145
4 Miami Beach $3,043
5 West Palm Beach $2,679
6 Tampa $2,610
7 Miramar $2,603
8 Coral Springs $2,574
9 Hollywood $2,552
10 Pompano Beach $2,543
11 Pembroke Pines $2,505
12 Fort Lauderdale $2,500
13 Davie $2,473
14 Brandon $2,322
15 Clearwater $2,260
16 St. Petersburg $2,219
17 Spring Hill $2,060
18 Jacksonville $2,020
19 Orlando $2,008
20 Port St. Lucie $1,975
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Premium costs are approximated as vehicle location can increase or decrease prices considerably.

Deciphering which company quotes the cheapest insurance rates for uninsured drivers takes a tad more effort than just getting one or two price quotes. Every car insurance company uses their own method to set premium rates, so to begin we’ll rank the lowest cost insurance companies in Florida.

Keep in mind that Florida insurance rates are calculated based on many things which can substantially change the price of coverage. Getting older, moving across town, or having an accident may cause policy rate changes resulting in some companies being cheaper than competitors.

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Cheapest insurance companies in Florida
Rank Company Cost Per Year
1 USAA $948
2 Amica $1,694
3 Electric $1,764
4 Progressive $1,847
5 Mercury $1,914
6 Travelers $1,926
7 Allied $2,004
8 Esurance $2,020
9 GEICO $2,108
10 State Farm $2,131
11 Auto-Owners $2,149
12 Allstate $2,340
13 21st Century $2,469
14 Windhaven Insurance $2,653
15 Hanover $2,964
16 Safeco $2,987
17 MetLife $2,988
18 Liberty Mutual $3,009
19 United Automobile $3,422
20 Infinity $4,045
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USAA generally has some of the cheapest car insurance rates in Orlando at around $948 each year. Amica, Electric, Progressive, and Mercury also are some of the best Orlando, FL auto insurance companies.

In the rate table above, if you currently buy coverage from Progressive and switched to Amica, you might realize savings of in the vicinity of $153. Drivers with Mercury may save as much as $220 a year, and Travelers policyholders might reduce rates by $232 a year.

To compare your rates to other Florida insurance companies, click here to start a quote or visit several of the following companies.

These rates are averaged across all drivers and vehicles in Florida and do not take into consideration a specific vehicle garaging location for uninsured drivers. So the auto insurance company that can offer you the best price may not even be in the top 21 companies shown above. That helps illustrate why you need to get rate quotes using your own driver data and vehicle information.

The car, truck, or SUV that needs insurance is a significant factor when consumers are trying to find the best cheap coverage for uninsured drivers. Vehicles with more horsepower, a lack of safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models.

The data below ranks coverage rates for some of the cheaper automobiles to insure in Florida.

Cheapest Vehicles to Insure in Orlando, FL
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,416
Ford F-150 STX Regular Cab 4WD $1,449
Ford Explorer XLT AWD $1,454
Toyota Tacoma 4WD $1,449
Honda CR-V EX-L 2WD $1,500
Chevrolet Impala LS $1,503
Chevrolet Equinox LS AWD $1,531
Toyota Camry LE $1,541
Toyota Prius $1,575
Honda Civic VP 4-Dr Sedan $1,585
Hyundai Elantra Blue 4-Dr Sedan $1,592
Honda Odyssey EX W/Rear Entertainment $1,644
Ford Edge SEL 2WD $1,651
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in Orlando, FL location which can impact prices noticeably.

Based upon these rates, we can conclude that vehicles like the Ford Escape, Ford F-150, Ford Explorer, Toyota Tacoma, and Honda CR-V will be a few of the cheaper vehicles to insure for drivers with no prior coverage.

Cost difference between full coverage and liability

Paying less for insurance is important to most people, and a good way to buy cheap insurance for uninsured drivers is to not buy comprehensive and collision coverage. The illustration below visualizes the comparison of yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The information is based on no claims, a clean driving record, $250 deductibles, single status, and no other discounts are factored in.

If we average all the age groups together, comprehensive and collision coverage on your policy costs $2,186 per year more than just buying liability only. That is a large expense and it proposes the question if it’s a good idea to buy full coverage. There is no clear-cut formula of when to phase out full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

There are some situations where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

The example below illustrates how your choice of deductibles can change insurance rates when quoting cheap insurance for uninsured drivers. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

In the chart above, a 50-year-old driver could save $462 a year by changing from a $100 deductible to a $500 deductible, or save $698 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could save $1,174 each year by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will now be necessary to have enough savings to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Why you should be shopping around

Florida insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay for coverage. Simply turning a year older, buying higher coverage limits, or getting caught speeding can produce rate changes resulting in some companies being more affordable than competitors.

Additionally, insurers modify rates as often as every quarter in order to maintain liquidity for claims. An extended period of higher than normal claims can result in a rate increase, while a better loss history may result in lower-cost Orlando car insurance rates.

To help illustrate this point, the bar chart below shows rates for the cheapest car insurance in Orlando, FL for a 40-year-old female driver with no prior claims, no tickets, and solid credit. If we estimate prices based on her current situation, USAA might quote the cheapest car insurance rates in Orlando at $1,265 a year. This is $1,183 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also make the list of the best Orlando, FL auto insurance companies.

In this next rate comparison, we will give the driver from above an at-fault accident, a lower credit score, and a stop sign violation. Because each insurer has a proprietary formula to determining premium rates, comparing quotes could result in a substantially altered list of the cheapest companies as shown below.

USAA now has the best price on car insurance in Orlando with Allied, Esurance, State Farm, and GEICO now rounding out the top five. This illustrates why it is important to compare rates to get the most economical auto insurance quotes for uninsured drivers.

Car insurance prices can be determined by many factors and change substantially, so the lowest-price company the last time you compared rates may now be quite expensive.

If you wish to have the advice of a professional agent when shopping around for cheaper insurance for drivers with no prior coverage, the professional agents shown below can most likely answer your questions and help you decide which policy is best.

To locate an agency nearest to you, click the button below the list.

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Tips to find the cheapest insurance for uninsured drivers

Here are some of the better thrifty ideas that can help drivers find low-cost car insurance.

That last idea is extraordinarily crucial, as was emphasized in the prior information. Coverage rates change a lot, so don’t be afraid to change insurance companies if you can find a cheaper rate.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if your bullheadedness ends up costing you several hundred dollars every year. In just a couple of minutes you could shop around to find cheaper auto insurance for uninsured drivers in Orlando.