Who Has Affordable Orlando Auto Insurance for Used Cars?

The words “economical” and “insurance” really shouldn’t be used together, especially when you are searching for the best price on coverage for used cars. Because it’s not cheap, let’s start off by going over a few of the things that can significantly affect car insurance rates, and figure out some ideas to shave a little off the next policy you buy.

Deciphering which insurers offer the cheapest car insurance rates for used cars will require a bit more work in order to find the best price. Each insurer has a different process for determining rates in each state, so we will examine the most affordable car insurance companies in Florida.

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Cheapest Florida car insurance ranked by price
Rank Company Cost Per Year
1 USAA $977
2 Electric $1,694
3 Amica $1,764
4 Progressive $1,847
5 Travelers $1,888
6 Mercury $1,914
7 Allied $1,926
8 Esurance $2,020
9 State Farm $2,068
10 GEICO $2,086
11 Auto-Owners $2,149
12 Allstate $2,317
13 21st Century $2,397
14 Windhaven Insurance $2,575
15 MetLife $2,870
16 Safeco $2,927
17 Hanover $3,024
18 Liberty Mutual $3,101
19 United Automobile $3,422
20 Direct General $4,022
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USAA offers some of the most affordable car insurance rates in Orlando at around $977 each year. Electric, Amica, Progressive, and Travelers also are some of the most economical Orlando, FL car insurance companies.

In this example, if you are a customer of Amica and switched to USAA, you may see a yearly savings of upwards of $787. Insureds with Progressive may save as much as $870 a year, and Travelers policyholders might reduce prices by as much as $911 a year.

Be aware that those policy prices are averages for all drivers and vehicles and do not factor in an exact zip code location for used cars. So the company that fits you best may not even be in the top 21 companies in the list above. That’s why you need to compare as many prices as possible using your own driver information and specific vehicle type.

The type of vehicle to be insured is one of the primary factors in finding affordable coverage for used cars. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models.

The next list ranks insurance costs for the most affordable vehicles to insure in Florida.

Cheapest Vehicles to Insure in Orlando, FL
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,202
Ford Escape XLS 2WD $1,210
Chevrolet Impala LS $1,394
Chevrolet Silverado LT Extended Cab 4WD $1,422
Chevrolet Malibu Hybrid $1,428
Toyota Tacoma Double Cab 4WD $1,449
Dodge Ram 3500 Crew Cab Laramie 2WD $1,458
Volkswagen Jetta S 2.5 Station Wagon $1,496
Hyundai Elantra GLS 4-Dr Sedan $1,501
Toyota Camry SE $1,496
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,524
Jeep Wrangler Sport 4WD 2-Dr $1,526
Nissan Rogue S 2WD $1,529
Dodge Grand Caravan CV $1,544
Ford Focus SE 2-Dr Coupe $1,603
Ford Fusion SEL AWD 4-Dr Sedan $1,626
Toyota Camry Hybrid $1,631
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can impact rates considerably.

Looking at the rates, you can conclude that makes and models like the Honda CR-V, Ford Escape, Chevrolet Impala, and Chevrolet Silverado are most likely going to be the cheaper vehicles to insure for pre-owned vehicles.

One of the more important components that are used to help calculate the amount you pay each year for auto insurance is where you call home in Orlando. More populated areas tend to have higher rates, whereas areas that tend to be more rural get the luxury of paying less.

The illustration below shows the most expensive places in Florida for used cars to purchase a policy in. Orlando ranks #18 with an annual cost of $2,029 for the average policyholder, which is around $169 per month.

How much does car insurance cost in Orlando, FL?
Rank City Premium Per Year
1 Hialeah $3,630
2 Miami $3,177
3 Miami Gardens $3,149
4 Miami Beach $3,043
5 West Palm Beach $2,705
6 Tampa $2,610
7 Miramar $2,603
8 Fort Lauderdale $2,550
9 Pompano Beach $2,543
10 Hollywood $2,526
11 Davie $2,523
12 Coral Springs $2,474
13 Pembroke Pines $2,431
14 Brandon $2,322
15 Clearwater $2,260
16 St. Petersburg $2,196
17 Spring Hill $2,102
18 Orlando $2,029
19 Jacksonville $1,960
20 Port St. Lucie $1,935
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Rate quotes are estimated as the specific zip code location can alter auto insurance rates considerably.

Discount Orlando car insurance

Cheaper Orlando, FL car insurance for pre-owned vehiclesInsurance companies that provide coverage for used cars may additionally offer rate discounts that may potentially lower prices by 30% or more if you meet certain criteria. A list of companies and some of their more popular discounts include:

The chart below compares auto insurance rates with and without discounts applied to the premium. Data assumes a female driver, no violations or claims, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, defensive driving course, vehicle safety, claim-free, and passive restraint discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for used cars is 28% or $625.

Finding the highest-rated company can be challenging considering how many choices you have in Florida. The information displayed below may help you choose which car insurance providers to look at buying from. These ratings include companies with a national presence, so companies with more of a regional focus are not factored into the list.

Top 10 Major Auto Insurers in Orlando Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Safe drivers pay less for car insurance

The recommended way to enjoy the cheapest car insurance prices for pre-owned vehicles is to be a cautious driver and maintain a clean driving record. The illustration below demonstrates how citations and accident claims can affect insurance costs for each different age category. The data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of auto insurance in Florida per year with no accidents and a clean driving record is $2,660. Factor in one speeding ticket and the average cost hikes up to $3,000, an increase of $340 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for used cars goes up to an average of $3,951. That’s an increase of $1,291, or $108 per month, just for not being a responsible driver!