One of the more important components that aid in calculating insurance cost is the neighborhood you call home in Orlando. Areas with more people or more claims tend to pay more, whereas less populated areas benefit from having to pay less for coverage.
The information below sorts the highest-priced areas in Florida for felons to buy auto insurance in. Orlando is ranked at #19 having an annual price of $2,008 for coverage, which is about $167 each month.
|6||West Palm Beach||$2,679|
|20||Port St. Lucie||$1,916|
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Prices are estimated as the garaging address in Orlando can influence rates greatly.
Comparing quotes for reasonably-priced auto insurance is not the easiest thing to accomplish, and determining which companies quote the best auto insurance rates for felons will take even more diligence. Every auto insurer has their own formula to determine premium rates, so let’s take a look at the most competitive auto insurance companies in Florida.
It’s a good idea to know that Orlando, FL auto insurance rates are calculated based on many things that can increase the cost of a policy. Taking a driver safety course, adding a teenager to your policy, or getting a ticket for careless driving may generate price changes that can now make some companies less affordable than competitors.
Best Insurance Companies for Felons
USAA may have some of the cheapest car insurance rates in Orlando at around $977 each year. This is $1,471 less than the average premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also are some of the best Orlando, FL car insurance companies.
In the above rates, if you are currently insured with Amica and switched to USAA, you might achieve a yearly savings of roughly $717. Florida drivers with Electric might save as much as $769 a year, and Progressive insureds might lower prices by $870 a year.
To find out how much you can save, click here to start your free quote or visit several of the following companies.
Understand that those premium estimates are averages for all insureds and vehicles and and are not calculated with an exact location for felons. So the car insurance company that is best 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 get rate quotes using your own individual information.
The type of vehicle on the policy is a significant factor when shopping around for the cheapest auto insurance for felons. Vehicles with high performance, poor passenger safety features, or a history of substantial liability claims will cost more to insure than safer models.
The next table estimates car insurance costs for a handful of the most economical vehicles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,130|
|Dodge Grand Caravan SE||$1,268|
|Ford Explorer Eddie Bauer 2WD||$1,275|
|Honda CR-V LX 2WD||$1,300|
|Ford Escape XLS 4WD||$1,310|
|Ford Edge SEL 2WD||$1,312|
|Nissan Altima 2.5 4-Dr Sedan||$1,338|
|GMC Sierra SL Extended Cab 2WD||$1,345|
|Volkswagen Jetta LE 4-Dr Sedan||$1,338|
|Jeep Grand Cherokee Limited 4WD||$1,435|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$1,444|
|Chevrolet Malibu LTZ||$1,435|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$1,459|
|Ford F-250 XL Cabela Package 2WD||$1,534|
|Chevrolet Equinox LS AWD||$1,536|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,556|
|Dodge Ram 3500 Crew Cab SLT 2WD||$1,565|
|Hyundai Elantra Blue 4-Dr Sedan||$1,589|
|Honda Odyssey EX||$1,609|
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific zip code location which can affect prices noticeably.
Based upon the table data, you can infer that models like the Honda Accord, Toyota Prius, Dodge Grand Caravan, and Ford Explorer are likely to be some of the cheapest vehicles to insure for felons.
Get discounts on Orlando insurance
Insurers that offer coverage for felons could also offer special discounts that could lower prices by as much as 40% or more if you meet the requirements. Larger auto insurance companies and a partial list of their discounts can be found below.
- State Farm includes discounts for Drive Safe & Save, multiple autos, driver’s education, good student, and student away at school.
- Progressive may offer discounts for continuous coverage, multi-vehicle, online signing, good student, and homeowner.
- Progressive discounts include continuous coverage, good student, homeowner, online signing, multi-vehicle, and online quote discount.
- MetLife offers discounts including good student, good driver, accident-free, defensive driver, claim-free, multi-policy
- Farm Bureau policyholders can earn discounts including 55 and retired, multi-vehicle, safe driver, multi-policy, good student, youthful driver, and renewal discount.
- GEICO offers discounts for daytime running lights, federal employee, seat belt use, multi-vehicle, five-year accident-free, and defensive driver.
- SAFECO has savings for anti-lock brakes, multi-car, bundle discounts, accident prevention training, teen safe driver, and teen safety rewards.
The illustration below compares insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, marriage, multiple policy, homeowner, vehicle safety, and accident-free discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for felons is 28% or $655.
Ending up with the right car insurance provider can be a challenge considering how many different companies there are to choose from in Florida. The ranking information displayed below could help you decide which car insurance providers you want to consider when comparing rates. The ratings below are only comprised of the largest auto insurers in America, so companies that have a smaller presence are not included in this list.
Top 10 Major Auto Insurers in Orlando Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurers in Orlando Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Shop around and save
Florida auto insurance rates are impacted by many things which can significantly increase or decrease the price you pay. Getting older, buying a new vehicle, or getting a couple of tickets can trigger rate changes resulting in some companies being more affordable than competitors.
Additionally, car insurance companies change the rates they charge in Florida every year or even multiple times each year in order to maintain liquidity for claims. Heavy losses can result in rate increases, while a better loss history may cause more affordable Orlando car insurance rates.
For example, the graph below shows the cheapest car insurance in Orlando, FL for a 40-year-old male driver with a good driving record, no prior claims, and a good credit history. If we estimate rates based on his current risk factors, USAA offers the cheapest car insurance rates in Orlando at $1,191 per year. This is $1,257 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers round out the rest of the top five cheapest Orlando, FL auto insurance companies.
The example below compares rates after we give the driver from the above example an accident claim, a lower credit rating, and a blemish on his driving record. Since each insurance company has a proprietary formula to determine rates, comparing prices will most likely result in a different set of the cheapest Orlando car insurance companies as shown below.
USAA now has the lowest car insurance rate in Orlando with Mercury, Esurance, GEICO, and State Farm completing the list. This example demonstrates why it is so important to compare lots of rates to get the most economical auto insurance rates for felons.
Insurance rates are impacted by many risk factors and can change substantially, so the lowest-price company when you last compared rates may now be costing you a lot of money.