For bad drivers, one of the more important things that are looked at to determine insurance cost is your zip code in Orlando. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.
The following table shows the most expensive places in Florida for drivers with a bad driving record to buy an auto insurance policy in. Orlando is listed at #18 with an annual premium of $2,029 for coverage, which is approximately $169 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,595 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,177 |
| 4 | Miami Beach | $2,953 |
| 5 | Miramar | $2,683 |
| 6 | West Palm Beach | $2,599 |
| 7 | Coral Springs | $2,574 |
| 8 | Tampa | $2,558 |
| 9 | Pompano Beach | $2,543 |
| 10 | Hollywood | $2,526 |
| 11 | Pembroke Pines | $2,481 |
| 12 | Fort Lauderdale | $2,475 |
| 13 | Davie | $2,448 |
| 14 | Brandon | $2,368 |
| 15 | St. Petersburg | $2,219 |
| 16 | Clearwater | $2,172 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,029 |
| 19 | Jacksonville | $2,020 |
| 20 | Port St. Lucie | $1,975 |
| Find Cheaper Insurance Go | ||
Premium costs are comparative as the specific Orlando residence address can affect rates considerably.
The type of vehicle you are buying coverage for is one of the primary factors when comparing quotes for the best cheap auto insurance for drivers with a bad driving record. Vehicles with limited top-end speed, modern passenger safety features, or a track record of few liability claims will cost substantially less to insure than high performance models. The data below features coverage prices for the more affordable vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $4,480 |
| Honda Accord EX 4-Dr Sedan | $4,613 |
| Honda CR-V EX-L 2WD | $4,673 |
| Toyota Prius | $4,772 |
| Dodge Grand Caravan CV | $5,159 |
| Volkswagen Jetta SE 2.5 Station Wagon | $5,206 |
| Toyota Tacoma Double Cab 4WD | $5,249 |
| GMC Sierra SLE Crew Cab 2WD | $5,255 |
| Chevrolet Impala LT | $5,249 |
| Ford Focus SE 4-Dr Sedan | $5,405 |
| Chevrolet Equinox LT AWD | $5,408 |
| Toyota RAV4 Limited 4WD | $5,414 |
| Hyundai Elantra Blue 4-Dr Sedan | $5,438 |
| Ford Explorer Limited AWD | $5,463 |
| Chevrolet Malibu Hybrid | $5,465 |
| Find Cheaper Rates Go | |
Data based on single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate information does not factor in vehicle garaging location which can lower or raise prices considerably.
Based on these rates, models like the Ford Escape, Honda Accord, and Honda CR-V are going to be a few of the most affordable vehicles to insure for bad drivers. The cost of auto insurance will be more expensive because there is more risk for drivers with a bad driving record, but in general those vehicles will most likely have the best insurance prices compared to other types of vehicles.
Selecting the best car insurance company can be rather challenging considering how many companies sell insurance in Orlando. The company information in the next section may help you analyze which coverage providers to look at purchasing a policy from. The ratings below include large nationwide companies, so companies that have a smaller presence are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The example below demonstrates how deductibles can change annual premium costs when searching for cheap insurance for drivers with a bad driving record. The premiums are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $332 a year by changing from a $100 deductible to a $500 deductible, or save $500 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can save as much as $708 annually by choosing a higher deductible.
When using a larger deductible, it is necessary to have additional funds squirreled away to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Responsible drivers pay cheaper Orlando insurance rates
The ideal way to score good insurance prices in Orlando for bad drivers is to be a good driver and avoid accidents and keep your driving record clean. The example below illustrates how violations and at-fault collisions can drive up car insurance rates for different age groups. The price estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
In the previous chart, the average cost of an auto insurance policy in Florida per year with no accidents and a clean driving record is $3,027. Receive one speeding ticket and the average cost jumps to $3,431, an increase of $404 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for drivers with a bad driving record jumps again to an average of $4,591. That’s an increase of $1,564, or $130 per month, just for being a little careless behind the wheel!
The Orlando car insurance agencies listed below can probably aid you in deciding which coverage meets your needs best, as lots of people like to have the advice of a professional agent when buying car insurance for drivers with a bad driving record. It’s not always easy to find the cheapest rates, so a professional agent can bring peace of mind knowing you have adequate asset protection. To find an auto insurance agency nearest to you, click the button at the bottom.
Alfredo Ortega – State Farm Insurance Agent
1118 Manor Dr – Orlando, FL 32807 – (407) 249-9999
Brown and Brown Insurance Agency, Inc.
7009 Dr Phillips Blvd # 280 – Orlando, FL 32819 – (407) 843-7500
Orlando Health Insurance Agent
7898 Canyon Lake Cir – Orlando, FL 32835 – (321) 446-6527
Floridian Insurance Agency
7316 E Colonial Dr – Orlando, FL 32807 – (407) 207-1616
Find an Orlando, FL insurance agent near you
Ideas for buying more affordable auto insurance for drivers with a bad driving record
It is possible to find better rates, and here are some of the better money-saving solutions that can help Orlando drivers buy more affordable auto insurance.
- Bundle car and home insurance and save money
- Get cheaper liability coverage by choosing a safer vehicle
- Drivers with good credit ratings often pay less
- Full coverage is expensive so only insure older vehicles for liability only
- Maintain a safe distance and avoid accidents
- Compare quotes from other companies often
The last suggestion is certainly important, as was discussed in this piece. Auto insurance rates can change in a short period of time, so don’t be tentative to change insurance companies if a cheaper price is available.
Having a favorite company is fine, but it isn’t a good idea if that loyalty ends up costing big bucks every year. Take a couple minutes and compare prices to find cheaper insurance for drivers with a bad driving record in Orlando.