What Insurance is Cheapest for Drivers with Accidents in Orlando?

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The words "economical" and "insurance" really don't belong together, specifically when you are looking for the best car insurance for drivers with accidents. Let's lead off by showing you some of the things that impact insurance premiums, and figure out some ideas to take a little off your next policy.

Establishing which companies offer the best insurance rates for drivers with accidents may require a bit more effort than just picking a company at random. Each company uses a slightly different approach for determining rates, so we'll go over the most affordable insurance companies in Orlando.

It's important to understand that Orlando insurance rates are calculated based on many things that may substantially change the policy premium. Improving your credit score, buying higher coverage limits, or getting a few speeding tickets can cause premium changes resulting in some rates now being more affordable than competitors.

Best Cheap Insurance Rates for Accident Prone Drivers

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Rankings for the cheapest car insurance companies in Florida
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,746
3 Amica $1,764
4 Progressive $1,793
5 Mercury $1,914
6 Allied $1,926
7 Travelers $1,945
8 State Farm $2,068
9 Esurance $2,102
10 Auto-Owners $2,107
11 GEICO $2,172
12 21st Century $2,373
13 Allstate $2,388
14 Windhaven Insurance $2,653
15 MetLife $2,958
16 Safeco $2,987
17 Hanover $3,054
18 Liberty Mutual $3,131
19 United Automobile $3,457
20 Direct General $3,942
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USAA offers some of the most affordable car insurance rates in Orlando at around $957 each year. Electric, Amica, Progressive, and Mercury are also some of the more affordable Orlando, FL insurance companies.

In the above example, if you buy coverage from Amica and switched to USAA, you could earn savings of about $807. Policyholders with Progressive may save as much as $836 a year, and Mercury policyholders might see rate reductions of $957 a year.

If you want to see how much you could save, click here to begin a quote or visit several of the following companies.

Remember that these premiums are averages for all drivers and vehicles in Florida and do not factor in an exact zip code location for drivers with accidents. So the auto insurance company that is best suited for you may not even be in the top 21 companies in the list above. That points out the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.

The type of vehicle on the policy is probably the biggest factor that determines whether or not you can buy low-cost coverage for drivers with accidents. Vehicles with reasonable performance levels, good safety features, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models. The table below ranks insurance premiums for the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Orlando, FL
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $2,797
Toyota Prius $2,839
Honda CR-V EX 2WD $2,898
Dodge Grand Caravan CV $2,936
Ford Edge SEL 2WD $3,064
Chevrolet Impala LS $3,071
Honda Accord EX-L 4-Dr Sedan $3,116
Hyundai Elantra GLS 4-Dr Sedan $3,256
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,268
Chevrolet Equinox LTZ AWD $3,289
Ford F-150 XLT Super Cab 4WD $3,296
Volkswagen Jetta S 4-Dr Sedan $3,315
Toyota Tacoma Double Cab 4WD $3,321
Chevrolet Silverado 3500HD LT Crew Cab 2WD $3,322
Ford Explorer Eddie Bauer AWD $3,353
Honda Odyssey EX $3,393
Toyota RAV4 Limited 4WD $3,433
GMC Sierra 2500HD SLT Crew Cab 4WD $3,448
Toyota Corolla LE $3,486
Chevrolet Silverado LS Regular Cab 2WD $3,490
Hyundai Sonata SE 4-Dr Sedan $3,514
Chevrolet Malibu LTZ $3,523
Ford F-250 XLT 2WD $3,547
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Prices above based on single female driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Information does not factor in Orlando, FL location which can decrease or increase price quotes greatly.

Based upon the table data, we can conclude that models like the Ford Escape, Toyota Prius, Honda CR-V, and Dodge Grand Caravan are likely to be some of the less-costly vehicles to insure for drivers with at-fault accidents. The price of auto insurance will trend higher because of the fact that there is more claim risk for drivers with accidents, but generally speaking those particular vehicles will tend to have the lowest prices compared to all other vehicles.

For drivers with at-fault accidents, one of the more important components that are looked at to help calculate the amount you pay each year for auto insurance is where you choose to live. Larger areas likely pay more, whereas more rural areas benefit from having to pay less for coverage.

The table below lists the most expensive areas in Florida for drivers with accidents to purchase car insurance in. Orlando is ranked at #18 with a yearly premium of $2,029 on average, which is around $169 per month.

How much does car insurance cost in Orlando, FL?
Rank City Annual Rate
1 Hialeah $3,630
2 Miami Gardens $3,277
3 Miami $3,241
4 Miami Beach $3,013
5 Miramar $2,629
6 West Palm Beach $2,625
7 Pompano Beach $2,543
8 Tampa $2,532
9 Hollywood $2,526
10 Pembroke Pines $2,481
11 Fort Lauderdale $2,475
12 Coral Springs $2,474
13 Davie $2,448
14 Brandon $2,392
15 Clearwater $2,238
16 St. Petersburg $2,196
17 Spring Hill $2,060
18 Orlando $2,029
19 Port St. Lucie $1,994
20 Jacksonville $1,960
21 Lakeland $1,883
22 Cape Coral $1,860
23 Palm Bay $1,750
24 Tallahassee $1,731
25 Gainesville $1,696
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Table data uses estimated as the specific zip code location can decrease or increase premiums noticeably.

The diagram below highlights how deductible choice can change insurance costs when quoting cheap insurance for drivers with accidents. The prices are based on a married male driver, full coverage, and no other discounts are factored in.

In the chart above, a 40-year-old driver could lower rates by $406 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $610 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, could roll back prices up to $1,354 or even more just by choosing higher deductibles when buying full coverage.

When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough in a savings account to satisfy the extra out-of-pocket expense associated with higher deductibles.

Insurance companies ranked

Insuring your vehicle with the highest-rated auto insurance company is hard considering how many companies are available to choose from in Orlando. The ranking information displayed below can help you analyze which car insurance providers you want to consider comparing rates from. The ratings below are for major nationwide insurance companies, so smaller companies that only insure vehicles in Florida are not factored into this list.

Top 10 Large Auto Insurance Companies Overall in Orlando

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Large Auto Insurance Companies in Orlando Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Can you find cheaper Orlando car insurance?

Florida insurance rates are impacted by many factors that will increase or decrease the cost of a policy. Turning one year older, filing a claim, or getting a driving violation can cause premium changes that may make certain companies cheaper than competitors.

Not only may your risk profile change, but car insurance companies amend premium rates at least once a year in order to offset underwriting gains or losses. Larger than normal claims may cause rate hikes, while lower claims may produce lower-priced Orlando car insurance rates.

As an example, the bar chart below shows which companies have the cheapest car insurance in Orlando, FL for a 45-year-old female driver with no prior accidents, a clean driving record, and a decent credit rating. If we estimate rates based on her current risk profile, USAA offers the most affordable car insurance rates in Orlando at $1,133 each year. This is $1,315 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers round out the rest of the top five cheapest Orlando, FL auto insurance companies.

In this next rate comparison, we will give the driver from the above example a chargeable claim, slightly worse credit, and a few traffic violations. Since every car insurance company has their own guidelines to determine rates, analyzing rate quotes may result in a different list of affordable companies as shown below.

USAA now has the best auto insurance rate in Orlando, FL with Allied, Esurance, State Farm, and GEICO also being competitive. This example demonstrates why it is so important to take the time to shop around to get the best insurance quotes for drivers with accidents. Prices are impacted by many things and change frequently, so the best option when you bought your policy may now not even be in the top five.