How Much is Auto Insurance for a Learners Permit in Orlando?

The words “affordable” and “insurance” really shouldn’t be used in the same sentence, especially when looking for the lowest insurance prices for a learners permit. In an attempt to save some money, let’s start off by going over some situations that help determine auto insurance rates, and figure out some ways to slash the price of the next policy you buy.

Finding out which company offers the lowest-priced insurance rates for a learners permit requires a little more work than just quoting one company’s rates. Each auto insurance company uses a little different formula for setting rates, so we will examine the insurance companies with the overall best prices in Orlando, FL.

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Florida car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $948
2 Electric $1,712
3 Amica $1,712
4 Progressive $1,775
5 Travelers $1,869
6 Mercury $1,914
7 Allied $2,004
8 Esurance $2,040
9 Auto-Owners $2,107
10 State Farm $2,110
11 GEICO $2,150
12 Allstate $2,340
13 21st Century $2,397
14 Windhaven Insurance $2,653
15 Hanover $2,964
16 Safeco $2,987
17 MetLife $2,988
18 Liberty Mutual $3,131
19 United Automobile $3,527
20 Direct General $3,942
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USAA normally has some of the best car insurance rates in Orlando at around $948 a year. This is $1,500 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also rank well as some of the lowest-priced Orlando, FL auto insurance companies.

As the example above demonstrates, if you currently buy coverage from Amica and switched to USAA, you might see an annual savings of in the neighborhood of $764. Customers with Progressive could save as much as $827 a year, and Travelers insureds might cut rates by $921 a year.

It’s important to note that these rates are averages for all ages of drivers and types of vehicles and do not take into consideration a vehicle location for a learners permit. So the company that is best suited for you may not even be in the list above. That is why you need to compare prices as often as possible using your own personal information and vehicle type.

The vehicle model you are seeking coverage for is a large factor when looking for low-priced car insurance for a learners permit. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models.

The next list showcases coverage rates for a handful of the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Orlando, FL
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $4,500
Honda CR-V LX 2WD $4,505
Ford Escape XLT 4WD $4,541
Toyota Prius $4,855
Ford Explorer XLT AWD $5,065
Ford F-150 XLT Crew Cab 2WD $5,073
Ford Focus S 4-Dr Sedan $5,297
Ford Edge SEL AWD $5,305
Chevrolet Impala LS $5,297
Honda Odyssey EX $5,304
Jeep Grand Cherokee Laredo 4WD $5,338
Nissan Altima 2.5 4-Dr Sedan $5,343
Toyota RAV4 Sport 4WD $5,338
Chevrolet Equinox LS AWD $5,345
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $5,379
Dodge Grand Caravan SXT $5,387
Toyota Corolla S $5,614
Hyundai Elantra SE 4-Dr Sedan $5,622
Volkswagen Jetta SEL 4-Dr Sedan $5,655
GMC Sierra 2500HD SLE Regular Cab 4WD $5,664
Ford Fusion SE 4-Dr Sedan $5,655
Chevrolet Malibu LTZ $5,663
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $5,662
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Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific zip code location which can increase or decrease price quotes significantly.

Based on these rates, you can presume that cars like the Honda Accord, Honda CR-V, Ford Escape, Toyota Prius, and Ford Explorer will definitely be a few of the most affordable vehicles to insure for new drivers. Car insurance rates will be higher anyway because of the fact that there is a higher risk for a learners permit, but generally speaking those makes and models will most likely have the lowest insurance prices that you are likely to find.

Does full coverage make sense?

Reducing premiums for insurance should be important to the majority of people, and one of the easiest ways to find cheaper insurance for a learners permit is to only buy liability insurance. The chart below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no violations or claims, $250 deductibles, drivers are single, and no other discounts are factored in.

If we average the cost for ages 20 through 70, physical damage insurance costs $2,417 per year over liability only. A very common question is if full coverage is worth the money. There is no set guideline of when to drop physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

Get discounts on Orlando car insurance rates

Discounts on insurance for a learners permitCar insurance companies that offer quotes for a learners permit may also provide premium discounts that could potentially reduce rates by 30% or more if you are eligible to receive them. A few popular companies and some of the discounts are:

The illustration below shows the difference between car insurance rates with and without discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with good student, paperless filing, anti-theft, passive restraint, vehicle safety, and paid-in-full discounts applied. When taking advantage of discounts, theamount saved on insurance for a learners permit is 28% or $606.

How to find budget-friendly insurance for a learners permit

Below you’ll find some of the recommended thrifty ideas that can help Orlando drivers quote cheaper car insurance.

The last item on the list is especially crucial, as was discussed in the prior article. Car insurance prices in Orlando fluctuate constantly, so drivers shouldn’t hesitate to switch to a new company if a more affordable rate is found.

Sticking with a specific company is fine, but is isn’t recommended if that dedication is costing a lot of money every month. Take a few minutes and shop around and find cheaper auto insurance for a learners permit.

The agents listed below are a good start to help you determine which auto insurance policy fits you best, since some drivers have questions and prefer to get some professional input when buying car insurance for a learners permit. It can be hard to do it yourself, so getting advice from a licensed agent can add peace of mind knowing you have decent coverage if you have a claim.

To locate an Orlando auto insurance agent close to where you live, click the link after the list.

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