What Auto Insurance is Cheapest for Teenage Females in Orlando?

Shopping around for low-priced car insurance is difficult, and deciding which insurers offer the best insurance rates for teenage females will take additional perseverance. Each auto insurer has a unique formula for filing rates in each state, so let’s take a look at the most budget-friendly insurance companies in Orlando.

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Cheapest insurance companies in Florida
Rank Company Cost Per Year
1 USAA $986
2 Amica $1,694
3 Electric $1,764
4 Progressive $1,847
5 Travelers $1,869
6 Mercury $1,992
7 Allied $2,004
8 Esurance $2,020
9 State Farm $2,047
10 Auto-Owners $2,171
11 GEICO $2,172
12 Allstate $2,411
13 21st Century $2,469
14 Windhaven Insurance $2,627
15 Safeco $2,927
16 Hanover $2,964
17 MetLife $2,988
18 Liberty Mutual $3,101
19 United Automobile $3,422
20 Direct General $4,022
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USAA may offer some of the most affordable car insurance rates in Orlando at around $986 each year. Amica, Electric, Progressive, and Travelers are also some of the cheapest Orlando, FL auto insurance companies.

As the rates illustrate above, if you are currently insured with Progressive and switched to USAA, you could see savings of roughly $861. Drivers with Travelers may save as much as $883 a year, and Mercury customers might realize rate reductions of up to $1,006 a year.

Remember that these estimates are averaged across all drivers and vehicles and and are not figured with a specific location for teenage females. So the car insurance company that can offer you the lowest price may not even be in the top 21 companies shown above. That points out the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

One of the many factors that aid in calculating the amount you pay each year for auto insurance is where you live. Regions with larger populations or more claims tend to pay more, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.

The following table lists the priciest cities in Florida for teenage females to buy an auto insurance policy in. Orlando is listed at #18 with an annual cost of $2,008 for coverage, which is around $167 per month.

Car insurance prices in Orlando
Rank City Annual Rate
1 Hialeah $3,630
2 Miami Gardens $3,277
3 Miami $3,273
4 Miami Beach $3,013
5 West Palm Beach $2,679
6 Miramar $2,629
7 Hollywood $2,604
8 Tampa $2,558
9 Fort Lauderdale $2,550
10 Coral Springs $2,549
11 Davie $2,548
12 Pompano Beach $2,543
13 Pembroke Pines $2,481
14 Brandon $2,298
15 St. Petersburg $2,286
16 Clearwater $2,260
17 Spring Hill $2,060
18 Orlando $2,008
19 Jacksonville $1,980
20 Port St. Lucie $1,916
21 Lakeland $1,901
22 Cape Coral $1,898
23 Tallahassee $1,748
24 Palm Bay $1,733
25 Gainesville $1,680
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Rate information is approximated as the vehicle garaging location can alter coverage prices substantially.

The type of vehicle requiring insurance is one of the largest considerations when comparison shopping for the cheapest auto insurance for teenage females. Vehicles with lots of horsepower, poor safety features, or an increased likelihood of liability claims will cost much more to insure than safer models.

The next table ranks coverage costs for a number of the most budget-friendly automobiles to insure in Florida.

Cheapest Vehicles to Insure in Orlando, FL
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $5,072
Ford Escape Limited 2WD $5,119
Honda CR-V EX-L 4WD $5,129
Hyundai Elantra SE Touring Station Wagon $5,426
Toyota Prius $5,472
Ford Explorer XLT AWD $5,711
Dodge Grand Caravan CV $5,716
Jeep Grand Cherokee Laredo 4WD $6,019
Toyota RAV4 Sport 4WD $6,029
Chevrolet Equinox LT 2WD $6,019
Chevrolet Impala LT $6,025
Dodge Ram Quad Cab ST 2WD $6,221
Ford Focus SEL 4-Dr Sedan $6,283
Honda Odyssey EX-L W/Rear Entertainment $6,329
Toyota Tacoma X-Runner 2WD $6,335
Ford Edge Sport AWD $6,329
Nissan Altima 2.5 S 4-Dr Sedan $6,338
Ford Fusion Sport 4-Dr Sedan $6,375
Chevrolet Malibu LTZ $6,382
GMC Sierra SLE Extended Cab 4WD $6,375
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Premium data assumes 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. Premium amounts do not factor in specific garaging location which can modify auto insurance rates noticeably.

Based on these rates, you can conclude that vehicles like the Honda Accord, Ford Escape, Honda CR-V, and Hyundai Elantra are going to be the most affordable vehicles to insure for teen girls. Rates will be more costly because there is more risk for teenage females, but overall those particular models will have the lowest insurance prices compared to other vehicles.

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Cheaper Orlando, FL insurance for teen girlsCar insurance companies that offer coverage for teenage females could also offer premium discounts that can lower rates by 25% or more if you meet the requirements. A list of companies and their possible discounts can be read below.

The diagram below compares insurance costs with and without discounts applied to the premium. The data assumes a male driver, no claims or driving citations, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, good student, paperless filing, continuous coverage, paid-in-full, and passive restraint discounts applied. In this example, the average amount saved each year on insurance for teenage females is 28% or $960.

The information below illustrates how your choice of deductibles can increase or decrease annual premium costs when researching cheap insurance for teenage females. The rates are based on a married male driver, comp and collision included, and no additional discounts are factored in.

The data above shows that a 30-year-old driver could reduce rates by $320 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $486 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could possibly save up to $966 every year by using higher deductibles when buying full coverage. When raising deductibles, it’s a good idea to have enough spare savings to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.

Rate increases following a ticket or accident

In a perfect world, the best way to find cheap insurance rates in Florida for teen girls is to pay attention while driving and have a clean driving record. The diagram below shows how violations and at-fault fender-benders impact car insurance costs for different age categories. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Orlando per year with a clean driving record and no accidents is $2,262. Receive two speeding tickets and the average cost surges to $3,045, an increase of $783 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for teenage females goes up to an average of $3,826. That’s an increase of $1,565, or $130 per month, just for not driving responsibly!

Ideas for finding economical car insurance for teenage females

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help you locate low-cost auto insurance.

The last item on the list is incredibly important, as we stressed in this write-up. Rates adjust often, so you should be ready to change to a new company if you find a better deal.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if that loyalty ends up costing potentially thousands of dollars a year. In less than five minutes you could shop around to find cheaper insurance for teenage females in Orlando.

The agents shown below can aid you in deciding which car insurance policy is best, as some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when comparing insurance rates for teenage females. It can be challenging to find the cheapest rates, so agents can give you satisfaction knowing your coverage gives you suitable coverage if you ever need to use it.

To locate an Orlando auto insurance agent by location nearest to you, click the button at the bottom of the list.

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