Who Has Cheap Orlando Auto Insurance for Hybrid Vehicles?

The vehicle requiring insurance is a large factor that determines the availability of the most affordable coverage for hybrid vehicles. Vehicles with higher performance characteristics, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models. The data below illustrates car insurance prices for a number of the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Orlando, FL
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,147
Honda Accord LX-P 4-Dr Sedan $1,256
Ford Explorer XLT AWD $1,285
Honda CR-V LX 2WD $1,297
Ford Focus S 4-Dr Sedan $1,331
Chevrolet Silverado LT Extended Cab 4WD $1,357
Volkswagen Jetta LE 4-Dr Sedan $1,367
Honda Odyssey LX $1,374
Dodge Ram 3500 Crew Cab Laramie 2WD $1,384
Toyota Prius $1,399
Chevrolet Impala LTZ $1,432
GMC Sierra SLE Regular Cab 2WD $1,486
Toyota Camry LE $1,493
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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 safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in your specific Orlando, FL location which can modify premium rates substantially.

Based on these rates, we can assume that vehicles like the Ford Escape, Honda Accord, and Ford Explorer are most likely going to be the cheaper vehicles to insure for hybrids.

Comparing rates for budget auto insurance is tough enough, and figuring out which company has the cheapest car insurance rates for hybrid vehicles may require even more perseverance. Every insurance company has their own unique process to determine rates, so first let’s look at the rankings for the car insurance companies that tend to have lower prices in Orlando, FL.

It’s a good idea to be aware that Orlando, FL car insurance rates are determined by lots of factors that can increase the price you pay. This price fluctuation is why it is crucial to compare many different companies when trying to get the best car insurance quotes for hybrid vehicles. Insurance rates are calculated by many things and can change without notice, so the cheapest company when you bought your policy may now cost much more than other companies.

Cheapest Insurance Rates for Hybrids

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Florida car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,694
3 Amica $1,746
4 Progressive $1,829
5 Travelers $1,926
6 Mercury $1,933
7 Allied $2,004
8 State Farm $2,047
9 Esurance $2,102
10 GEICO $2,108
11 Auto-Owners $2,149
12 Allstate $2,340
13 21st Century $2,373
14 Windhaven Insurance $2,627
15 MetLife $2,900
16 Safeco $2,927
17 Hanover $2,934
18 Liberty Mutual $3,101
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 per year. Electric, Amica, Progressive, and Travelers are also some of the more affordable Orlando, FL insurance companies.

As the example above demonstrates, if you buy coverage from Travelers and switched to Electric, you might realize a yearly savings of upwards of $232. Policyholders with Mercury may save as much as $239 a year, and Allied insureds might lower prices by up to $310 a year.

To discover how much you can save, click here to start a quote or quote prices from the following companies.

Understand that those premiums are averages for all drivers and vehicles in Florida and do not factor in a specific location for hybrid vehicles. So the auto insurance company that has the lowest price for you may not even be in the top 21 companies shown above. That affirms the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.

One of the many things that help determine the amount you pay each year for auto insurance is your zip code. Cities with larger populations or higher claim trends tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The following table shows the highest-priced areas in Florida for hybrid vehicles to purchase a policy in. Orlando shows up at #18 costing $2,029 for the average policyholder, which is around $169 each month.

How much does car insurance cost in Orlando, FL?
Rank City Average Per Year
1 Hialeah $3,595
2 Miami Gardens $3,245
3 Miami $3,241
4 Miami Beach $2,953
5 Miramar $2,709
6 West Palm Beach $2,625
7 Pompano Beach $2,620
8 Tampa $2,558
9 Hollywood $2,552
10 Davie $2,548
11 Fort Lauderdale $2,500
12 Coral Springs $2,499
13 Pembroke Pines $2,481
14 Brandon $2,368
15 St. Petersburg $2,263
16 Clearwater $2,194
17 Spring Hill $2,102
18 Orlando $2,029
19 Jacksonville $2,020
20 Port St. Lucie $1,975
21 Cape Coral $1,860
22 Lakeland $1,827
23 Palm Bay $1,786
24 Tallahassee $1,784
25 Gainesville $1,696
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Annual rates are estimated as specific Orlando zip code can increase or decrease auto insurance rates substantially.

Best car insurance in Florida

Buying coverage from a highly-rated insurance provider can be a challenge considering how many different companies insure vehicles in Orlando. The ranking information in the lists below can help you decide which auto insurers to look at putting your business with.

These rankings are only comprised of large insurance companies, so companies that focus mainly on Florida business will not be included in these rankings. If you wish to compare rates and find the cheapest rates for hybrid vehicles, just click here.

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

Insurance rate increases from tickets or accidents

The easiest method to earn affordable car insurance premiums for hybrids is to be a cautious driver and not get tickets or have accidents. The chart below highlights how traffic violations and at-fault fender-benders influence insurance costs for each different age category. The data is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,417. Receive one speeding ticket and the average cost swells to $2,721, an increase of $304 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for hybrid vehicles jumps again to an average of $5,269. That’s an increase of $2,853, or $238 per month, just for not paying attention while driving!

The chart below shows how different deductible levels can change insurance costs when trying to find cheap insurance for hybrid vehicles. The prices are based on a married female driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could pocket $332 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $500 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, have the ability to save $708 or more just by using higher deductibles. When using a larger deductible, it will be required to have plenty of money set aside to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.