One of the more important components that aid in calculating the amount you pay for auto insurance is where you keep your vehicle in Orlando. Areas with high crime rates or more dense population tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.
The information below ranks the most expensive cities in Florida to buy car insurance in. Orlando is ranked #17 with the annual price of $2,090 for the average policy, which is about $174 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami | $3,177 |
| 3 | Miami Gardens | $3,149 |
| 4 | Miami Beach | $2,953 |
| 5 | Hollywood | $2,630 |
| 6 | Pompano Beach | $2,620 |
| 7 | Miramar | $2,603 |
| 8 | West Palm Beach | $2,599 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Coral Springs | $2,549 |
| 11 | Tampa | $2,532 |
| 12 | Davie | $2,523 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,392 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,172 |
| 17 | Orlando | $2,090 |
| 18 | Spring Hill | $2,039 |
| 19 | Jacksonville | $1,960 |
| 20 | Port St. Lucie | $1,935 |
| 21 | Cape Coral | $1,860 |
| 22 | Lakeland | $1,827 |
| 23 | Palm Bay | $1,733 |
| 24 | Tallahassee | $1,731 |
| 25 | Gainesville | $1,696 |
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Price information shown is estimated as the specific zip code location can affect insurance rates greatly.
Having seen where Orlando ranks for price, figuring out which companies offer the most affordable insurance rates in Orlando will take a tad more effort than just comparing rates from one or two companies. Every car insurance company uses different criteria to set policy rates, so let’s take a look at the insurance companies with the most affordable rates in Orlando, FL.
Cheapest Insurance Rates in Orlando
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $986 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,764 |
| 4 | Progressive | $1,793 |
| 5 | Allied | $1,926 |
| 6 | Travelers | $1,926 |
| 7 | Mercury | $1,973 |
| 8 | Esurance | $2,020 |
| 9 | State Farm | $2,068 |
| 10 | Auto-Owners | $2,085 |
| 11 | GEICO | $2,108 |
| 12 | Allstate | $2,317 |
| 13 | 21st Century | $2,373 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | Safeco | $2,927 |
| 16 | MetLife | $2,958 |
| 17 | Hanover | $2,964 |
| 18 | Liberty Mutual | $3,009 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $3,902 |
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USAA generally has some of the lowest car insurance rates in Orlando at around $986 a year. Amica, Electric, Progressive, and Allied also qualify as some of the best Orlando, FL car insurance companies.
As shown above, if you currently have a policy with Amica and switched to USAA, you could earn an annual premium reduction of in the neighborhood of $708. Policyholders with Electric could save as much as $778 a year, and Progressive customers might cut rates by $807 a year.
If you want to find out if you’re overpaying, click here to start your free quote or quote rates from the companies below.
It’s important to note that these estimates are averaged across all types of insureds and vehicles and and are not calculated with a specific zip code in Orlando. So the insurer that is most affordable for your situation may not even be in the top 21 companies in the list above. That points out the importance of why you need to get rate quotes using your own individual information.
Why are you paying too much for Orlando car insurance?
Orlando insurance rates are determined by lots of factors which can substantially decrease or increase the cost of your policy. Simply having a birthday, filing a claim, or getting a reckless driving citation may generate price changes that can make some companies affordable when they were higher priced.
Not only may things change on your end, but car insurance companies change their prices every year to ensure their profitability. An extended period of higher than normal claims can cause additional premium costs, while a better loss history may result in more affordable Orlando car insurance rates.
To illustrate this example, the data below shows rates for the cheapest car insurance in Orlando, FL for a 30-year-old male driver with no prior accidents, a clean driving record, and excellent credit. When comparing rates based on his personal profile, USAA has the cheapest car insurance rates in Orlando at $1,203 annually. This is $1,245 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also included in the most affordable Orlando, FL auto insurance companies.
In this example, we will give the driver from above a claim or two, poor credit, and a speeding ticket. Because every insurance company has their own process for setting rates, comparing quotes will most likely result in a different list of affordable Orlando car insurance companies as shown below.
USAA now has the lowest price on auto insurance in Orlando with Allied, Esurance, Auto-Owners, and GEICO also having competitive pricing. This example illustrates why drivers need to compare as many rates as possible when trying to find the lowest car insurance quotes in Orlando.
Insurance rates can be determined by many risk factors and change dramatically, so the most affordable company three years ago may now be quite expensive.
The car, truck, or SUV to be insured is probably the biggest factor when shopping for low-cost car insurance in Orlando. Vehicles with higher performance, poor safety features, or an increased likelihood of liability claims will cost much more to insure than more modest models. The next table outlines auto insurance premiums for a number of the most economical vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,270 |
| Honda Accord EX-L 4-Dr Sedan | $1,379 |
| Ford Explorer Eddie Bauer 2WD | $1,422 |
| Honda CR-V EX 4WD | $1,470 |
| Ford Edge Limited 2WD | $1,475 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,488 |
| Chevrolet Equinox LT AWD | $1,503 |
| Dodge Grand Caravan Hero | $1,508 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,531 |
| Toyota Prius | $1,544 |
| Ford Focus SES 4-Dr Sedan | $1,557 |
| Honda Odyssey LX | $1,577 |
| Toyota Corolla LE | $1,585 |
| Nissan Rogue SL 2WD | $1,610 |
| Jeep Grand Cherokee Limited 4WD | $1,613 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,620 |
| Dodge Ram Crew Cab ST 4WD | $1,638 |
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in Orlando, FL location which can change insurance rates greatly.
Based upon the table data, we can expect vehicles like the Ford Escape, Honda Accord, and Ford Explorer will be a few of the most economical vehicles to insure for drivers in Orlando.
Driving violations and accidents
One of the best ways to maintain cheap car insurance prices for drivers in Orlando is to pay attention while driving and avoid accidents and keep your driving record clean. The illustration below demonstrates how speeding tickets and at-fault collisions can affect car insurance rates for different age groups. The price estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
In the example above, the average cost of car insurance per year with no accidents or violations is $2,039. Add in two speeding tickets and the average cost jumps to $2,821, an increase of $783 each year. Then add one accident along with the two speeding tickets and the 12-month cost of car insurance in Orlando goes up to an average of $3,604. That’s an increase of $1,565, or $130 per month, just for not being more responsible behind the wheel!
If you aren’t sure which coverage you need and prefer to have a little guidance when buying car insurance for drivers in Orlando, the agents shown below are willing to provide answers to your questions and help you determine which car insurance policy is best. To locate an Orlando insurance agent close to you, click the button below the list or click here to compare price quotes now.
Mike Broschart – State Farm Insurance Agent
4638 S Kirkman Rd – Orlando, FL 32811 – (407) 298-2700
Alfredo Ortega – State Farm Insurance Agent
1118 Manor Dr – Orlando, FL 32807 – (407) 249-9999
Marylou Davis – State Farm Insurance Agent
6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400
Bruce Baltich – State Farm Insurance Agent
198 S Semoran Blvd – Orlando, FL 32807 – (407) 273-9170
More Orlando, FL insurance agents
How to find cheaper auto insurance in Orlando
Lowering your rates is not difficult, and here are many penny-pinching ideas that can help Florida drivers locate cheaper auto insurance.
- Do not get into accidents that are your fault
- Try paying for small claims out-of-pocket
- Violations and traffic tickets increase rates
- Improve your credit
- Safer vehicles generally have cheaper insurance rates
- Ensure you have the best deal by shopping around regularly
That last piece of advice is certainly crucial, as we noted in the prior article. Auto insurance rates change a lot, so you should be ready to switch companies if a better rate can be found.
We understand brand loyalty, but it’s not a good idea if that dedication is costing lots of money. It only take a few minutes to compare rates to find cheaper car insurance in Orlando in Orlando.