How Much are Auto Insurance Rates for 19 Year Olds in Orlando?

Wouldn’t this article be short if we could look into our crystal ball and tell you the best company in Orlando that has the cheapest rates for 19 year olds? Regrettably, it’s not quite that easy, as there are a whole bunch of unknown elements such as your annual mileage driven, whether you are a man or a woman, and the likelihood of vehicle theft where you live, that all influence how much you pay for auto insurance. This article should teach you a little about the best ways to shop for cheaper coverage and educate you enough to have a good beginning to your search for cheaper coverage.

The type of vehicle on the policy is a significant factor when quoting cheap auto insurance for 19 year olds. Vehicles with lots of horsepower, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.

The next table presents auto insurance costs for a handful of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Orlando, FL
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $3,857
Honda Accord LX 4-Dr Sedan $3,863
Ford Escape XLS 2WD $3,857
Hyundai Elantra SE Touring Station Wagon $4,177
Toyota Prius $4,226
Dodge Grand Caravan CV $4,314
Ford F-150 XLT Super Cab 2WD $4,320
Ford Explorer XLT AWD $4,314
Ford Edge SEL 2WD $4,531
Honda Odyssey EX W/Rear Entertainment $4,536
Jeep Grand Cherokee Laredo 4WD $4,582
Chevrolet Impala LT $4,589
Chevrolet Equinox LS AWD $4,582
Chevrolet Malibu LS $4,590
Toyota RAV4 Limited 4WD $4,582
Toyota Tacoma Double Cab 4WD $4,631
Jeep Wrangler Unlimited Sport 2WD 4-Dr $4,665
Ford Focus SES 4-Dr Sedan $4,799
Honda Civic EX 4-Dr Sedan $4,804
Toyota Corolla S $4,850
Toyota Camry XLE $4,855
GMC Sierra SLE Crew Cab 2WD $4,899
GMC Sierra 2500HD SLE Regular Cab 4WD $4,905
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Cost estimates assume single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can revise premium rates significantly.

Looking at the data, you can assume that makes and models like the Honda CR-V, Honda Accord, Ford Escape, Hyundai Elantra, and Toyota Prius will definitely be the cheapest vehicles to insure for teenage drivers. The price for car insurance will be more costly just due to the fact that there is more risk for 19 year olds, but in general those vehicles will tend to have the cheapest rates compared to other vehicles.

For teenage drivers, one of the largest considerations that are looked at to determine auto insurance rates is where you normally keep your vehicle. Areas with a lot of weather claims or more people will most likely pay more, whereas more rural areas benefit from lower coverage costs.

The following table sorts the most costly cities in Florida for 19 year olds to buy car insurance in. Orlando ranks #18 with the annual price of $2,029 for the average policyholder, which is around $169 per month.

How much is auto insurance in Orlando, FL?
Rank City Premium Per Year
1 Hialeah $3,630
2 Miami $3,241
3 Miami Gardens $3,149
4 Miami Beach $3,043
5 Miramar $2,709
6 West Palm Beach $2,625
7 Hollywood $2,552
8 Davie $2,548
9 Pompano Beach $2,543
10 Tampa $2,532
11 Pembroke Pines $2,505
12 Coral Springs $2,499
13 Fort Lauderdale $2,475
14 Brandon $2,392
15 St. Petersburg $2,286
16 Clearwater $2,194
17 Spring Hill $2,102
18 Orlando $2,029
19 Jacksonville $2,020
20 Port St. Lucie $1,935
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Price information shown is estimated as the specific Orlando residence address can raise or lower price quotes substantially.

Shopping around for affordable car insurance is not always easy, and finding out which companies quote the lowest-priced auto insurance rates for 19 year olds requires a bit more work. Every auto insurer has a different process to set their prices, so first let’s look at the rankings for the auto insurance companies with the most affordable rates in Orlando, FL.

It’s important that you understand Orlando auto insurance rates are based on many factors which can substantially change the cost of coverage. That is why Florida drivers need to do a thorough rate comparison when trying to get the cheapest insurance quotes for 19 year olds. Insurance prices are made up of many factors and can change substantially, so the cheapest company six months ago may now be quite expensive.

Best Insurance Companies for Teens

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Cheapest insurance companies in Florida
Rank Company Cost Per Year
1 USAA $948
2 Electric $1,694
3 Amica $1,746
4 Progressive $1,847
5 Travelers $1,869
6 Mercury $1,992
7 Allied $2,004
8 Esurance $2,102
9 State Farm $2,110
10 Auto-Owners $2,149
11 GEICO $2,172
12 Allstate $2,411
13 21st Century $2,469
14 Windhaven Insurance $2,653
15 Safeco $2,927
16 MetLife $2,958
17 Hanover $3,024
18 Liberty Mutual $3,131
19 United Automobile $3,422
20 Direct General $4,062
Quote Your Rates Go

USAA generally has some of the best car insurance rates in Orlando at around $948 annually. Electric, Amica, Progressive, and Travelers would also make the list of some of the more affordable Orlando, FL auto insurance companies.

As the example above demonstrates, if you are insured with Electric and switched to USAA, you could realize annual savings of around $746. Insureds with Amica may save as much as $798 a year, and Progressive insureds might lower prices by $899 a year.

To find cheaper insurance rates for your vehicle, click here to start your free quote or visit several of the following companies.

It’s important to note that these premiums are averages for all insureds and vehicles and and are not calculated with a specific location for 19 year olds. So the insurer that can offer you the best price may not even be in the top 21 companies shown above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

The diagram below demonstrates how choosing different deductibles can increase or decrease insurance premiums when researching cheap insurance for 19 year olds. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

In the chart above, a 30-year-old driver could lower their car insurance rates by $332 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $500 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, have the ability to save as much as $708 every year by choosing a higher deductible. If you make the decision to raise deductibles, it is essential to have enough spare savings to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Full coverage rates vs. liability-only

Finding cheaper auto insurance should be important to the majority of drivers, and one easy way to save on the cost of insurance for 19 year olds is to buy only liability coverage. The example below shows the difference between insurance costs with and without physical damage coverage. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.

If we average all the age groups together, physical damage insurance costs an additional $2,330 per year more than just buying liability insurance. Lot’s of drivers question when is it safe to stop buying full coverage. There is no written rule of when to stop paying for full coverage, but there is a general convention. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s say your vehicle’s book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $8,000 after paying your deductible. If it’s costing in excess of $800 a year to have full coverage, then it might be time to buy liability only.

If you have coverage questions and would like to get some professional advice when shopping for the best coverage for 19 year olds, the insurance agencies listed below can most likely provide answers to your questions and help you determine which car insurance company is the best fit.

To find an auto insurance agency near you, click the link at the bottom.

GEICO Insurance Agent
5005 E Colonial DrOrlando, FL 32803(407) 897-7157

Brightway Insurance
3548 S Orange AveOrlando, FL 32806(407) 816-3161

Talmadge Commercial Insurance Agency
111 W Jefferson StOrlando, FL 32801(407) 701-6321

Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee RdOrlando, FL 32818(407) 298-9996

More insurance agents in Orlando, FL

How to find cheaper auto insurance for 19 year olds

It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help Florida drivers buy cheaper auto insurance.

The last item on the list is very critical, as was discussed in the article above. Auto insurance prices can be adjusted at any time, so don’t hesitate to change to a new company if a lower-cost policy is available.

Sticking with a specific company is fine, but it’s not a good idea if that stubbornness costs you thousands of dollars over the life of your policy. Take a few minutes and compare prices and find cheaper auto insurance for 19 year olds in Orlando.