Finding out which companies have the cheapest insurance rates for government employees will involve a bit more work in order to find the best policy.
Each auto insurance company has a proprietary formula to establish rates, so we’ll go over the insurance companies with the overall best prices in Orlando, FL. We do need to point out that Orlando insurance rates are based on many factors that can increase the price you have to pay. Simply turning a year older, getting divorced, or getting a few speeding tickets can cause premium changes resulting in some companies being affordable when they were higher priced.
Lowest Insurance Price Quotes in Florida
USAA has some of the most affordable car insurance rates in Orlando at around $986 each year. Amica, Electric, Progressive, and Allied would also be considered some of the lowest-priced Orlando, FL insurance companies.
In the rate table above, if you currently have a policy with Amica and switched to USAA, you may realize annual savings of about $708. Drivers with Electric could save as much as $726 a year, and Progressive policyholders might reduce rates by $789 a year.
Remember that these policy prices are averages across all drivers and vehicles and are not factoring in an exact location for government employees. So the insurer that can offer you the lowest price may not even be in the top 21 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own individual information.
One of the many considerations that aid in calculating the annual cost of car insurance is your address. More densely populated places tend to pay more, whereas more rural areas have the gratification of cheaper auto insurance rates.
The table below shows the most expensive places in Florida for government employees to purchase car insurance in. Orlando ranks #18 with an annual rate of $2,090 on average, which is about $174 per month.
|7||West Palm Beach||$2,599|
|20||Port St. Lucie||$1,975|
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Rate quotes are estimated as the garaging address in Orlando can alter insurance rates greatly.
The vehicle model you are seeking coverage for is probably the largest consideration when comparing quotes for the cheapest insurance for government employees. Vehicles with higher performance, a lack of advanced safety features, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models. The information below illustrates car insurance rates for a handful of the most budget-friendly vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,220|
|Honda CR-V LX 2WD||$1,225|
|Ford Escape XLS 2WD||$1,337|
|Jeep Wrangler Sport 4WD 2-Dr||$1,377|
|Ford Focus S 4-Dr Sedan||$1,417|
|Volkswagen Jetta S 4-Dr Sedan||$1,444|
|Dodge Grand Caravan SXT||$1,471|
|Ford Explorer XLT 4WD||$1,494|
|Honda Odyssey EX-L||$1,521|
|Toyota Corolla LE||$1,527|
|Jeep Grand Cherokee Limited 4WD||$1,549|
|Ford Fusion Sport 4-Dr Sedan||$1,559|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$1,576|
|Toyota RAV4 Sport 4WD||$1,581|
|Toyota Tacoma 2WD||$1,593|
|Honda Civic SI 4-Dr Sedan||$1,598|
|Chevrolet Malibu LS||$1,628|
|GMC Sierra SLE Crew Cab 2WD||$1,635|
|Nissan Altima 2.5 4-Dr Sedan||$1,628|
|Chevrolet Equinox LT AWD||$1,636|
|Chevrolet Impala LT||$1,628|
|Kia Optima SX||$1,656|
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in your specific Orlando, FL location which can lower or raise premium rates considerably.
By looking at the data, makes and models like the Honda Accord, Honda CR-V, Ford Escape, and Jeep Wrangler are going to be a few of the most affordable vehicles to insure for state and federal workers.
Picking the highest-rated auto insurance company can be a challenge considering how many different companies sell coverage in Orlando. The rank data shown below could help you decide which auto insurance companies you want to consider when trying to find cheaper insurance for government employees. These ratings only include companies that insure vehicles across America, so smaller companies that only insure vehicles in Florida are not factored into these rankings.
Top 10 Large Car Insurance Companies Overall in Orlando
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Large Car Insurance Companies in Orlando Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Impact of careless driving on insurance rates
The ideal way to get cheap insurance premiums in Florida for state and federal workers is to drive cautiously and not have accidents or get tickets. The illustration below highlights how traffic violations and fender-benders drive up car insurance costs for each age group. The premiums are based on a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
The chart shows that the average cost of car insurance in Orlando per year with no violations or accidents is $2,287. Receive two speeding tickets and the average cost hikes up to $3,256, an increase of $969 each year. Next add one accident along with the two speeding tickets and the yearly cost of insurance for government employees increases to an average of $4,236. That’s an increase of $1,949, or $162 per month, just for being a less-than-perfect driver!
Discounts on Orlando car insurance rates
Insurance providers that provide coverage for government employees could also offer price discounts that could potentially reduce rates by 40% or more if you meet the requirements. A few of the larger companies and a selection of discounts can be found below.
- American Family has savings for multi-vehicle, mySafetyValet, good student, Steer into Savings, bundled insurance, and air bags.
- Farm Bureau offers discounts for 55 and retired, multi-vehicle, good student, youthful driver, safe driver, and multi-policy.
- State Farm may have discounts that include good driver, accident-free, multiple autos, Steer Clear safe driver discount, and Drive Safe & Save.
- Travelers policyholders can earn discounts including save driver, hybrid/electric vehicle, student away at school, driver training, and multi-policy.
- The Hartford may include discounts for bundle, anti-theft, air bag, vehicle fuel type, driver training, and good student.
- GEICO discounts include good student, multi-policy, driver training, defensive driver, multi-vehicle, and air bags.
- Progressive may offer discounts for multi-policy, online quote discount, online signing, multi-vehicle, continuous coverage, homeowner, and good student.
The diagram below compares insurance rates with and without discounts applied to the rates. Data assumes a male driver, no accidents, no driving violations, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, safe-driver, vehicle safety, accident-free, multiple vehicle, and homeowner discounts applied. In this example, theaverage amount saved on insurance for government employees is 28% or $904.
Your low-price policy may be costing you money
Orlando insurance rates are based on many factors that control the policy price. Simply improving your credit, getting divorced, or getting a DUI may generate price changes resulting in some rates now being affordable when they were higher priced.
Not only that, but car insurance companies file new rates at least once a year in order to offset underwriting gains or losses. Larger than normal claims can cause high rates, while lower claim levels can result in lower-cost Orlando car insurance rates.
The bar chart below shows which company has the cheapest car insurance in Orlando, FL for a 45-year-old male driver with no accidents, a clean driving record, and great credit. If we estimate rates based on his current risk profile, USAA offers the most affordable car insurance rates in Orlando at $1,216 a year. This is $1,232 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Mercury are also included in the top five cheapest Orlando, FL auto insurance companies.
In this next rate comparison, we will give the driver from the first example a chargeable claim, a lower credit rating, and a couple of points charged on his driving record. Due to the fact that every insurance company has a different formula to set premium rates, analyzing rate quotes may now present a new list of the cheapest companies as shown below.
USAA now has the lowest price in Orlando, FL with Allied, Esurance, State Farm, and Auto-Owners completing the list. This illustrates why it is critical to perform an extensive rate comparison when trying to find affordable insurance rates for government employees. Insurance rates are made up of many different factors and change dramatically, so the cheapest rate the last time you checked may now be one of the higher cost companies.