Who Has Cheap Orlando Auto Insurance for Teachers?

The vehicle model needing coverage is one of the largest considerations when quoting the lowest-priced coverage for teachers. Vehicles with lower performance, good safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The next table showcases auto insurance costs for some of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Orlando, FL
Vehicle Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,197
Honda CR-V LX 2WD $1,202
Ford Escape XLS 2WD $1,308
Toyota Prius $1,326
Honda Odyssey EX $1,392
Volkswagen Jetta 2.0T Station Wagon $1,402
Chevrolet Equinox LT 2WD $1,419
Chevrolet Impala LT $1,427
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,444
Dodge Grand Caravan SE $1,463
Honda Civic LX 4-Dr Sedan $1,468
Ford Edge Limited AWD $1,496
Toyota Corolla XLE $1,501
Ford F-150 Lariat King Ranch 2WD $1,520
Nissan Rogue S 2WD $1,525
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Price data assumes single male driver age 40, 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. Prices do not factor in garaging location in Orlando, FL which can revise auto insurance rates significantly.

Based upon the table data, you can assume that models like the Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota Prius are a few of the most budget-friendly vehicles to insure for teachers and educators.

Deciphering which companies quote the best car insurance rates for teachers calls for a tad more effort in order to find a policy that fits your budget.

Each auto insurer has their own guidelines for setting prices, so to begin we’ll rank the most competitive car insurance companies in Florida. It’s important that readers know that Orlando, FL car insurance rates are influenced by many factors that will increase or decrease the cost of coverage. Simply improving your credit, getting divorced, or getting a DUI may cause policy rate changes resulting in some companies being more affordable than the competition.

Best Insurance Companies for Educators

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USAA may offer some of the lowest car insurance rates in Orlando at around $977 a year. Amica, Electric, Progressive, and Travelers are also some of the cheapest Orlando, FL auto insurance companies.

In the above example, if you are a customer of Amica and switched to USAA, you may see an annual savings of roughly $769. Drivers with Electric may save as much as $787 a year, and Progressive customers might lower prices by $870 a year.

To find out how your current rates compare, click here to start your free quote or feel free to get quotes from the companies below.

Understand that those prices are averages for all insureds and vehicles and do not factor in an exact zip code location for teachers. So the insurer that is best suited for you may not even be in the top 21 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own individual information.

For teachers and educators, one of the largest criteria that aid in calculating car insurance rates is where you choose to live. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas with less congestion have the benefit of cheaper car insurance.

The illustration below ranks the priciest cities in Florida for teachers to purchase car insurance in. Orlando shows up at #19 with an annual rate of $2,008 for the average insured, which is approximately $167 per month.

Car insurance prices in Orlando
Rank City Annual Rate
1 Hialeah $3,595
2 Miami Gardens $3,277
3 Miami $3,177
4 Miami Beach $3,043
5 Hollywood $2,604
6 Miramar $2,603
7 West Palm Beach $2,599
8 Pompano Beach $2,595
9 Tampa $2,558
10 Davie $2,548
11 Fort Lauderdale $2,475
12 Coral Springs $2,474
13 Pembroke Pines $2,431
14 Brandon $2,298
15 Clearwater $2,260
16 St. Petersburg $2,219
17 Spring Hill $2,060
18 Jacksonville $2,020
19 Orlando $2,008
20 Port St. Lucie $1,916
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Premium costs are approximated as the specific garaging location can lower or raise premiums significantly.

How accidents and tickets impact rates in Orlando

The ideal way to get good car insurance premiums in Florida for teachers and educators is to be a safe driver and avoid accidents and traffic citations. The illustration below demonstrates how traffic citations and accident claims influence car insurance rates for each age group. The data is based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

The data above shows the average cost of a car insurance policy in Florida per year with no accidents or violations is $2,385. Get one speeding ticket and the average cost jumps to $2,687, an increase of $301 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of car insurance for teachers jumps again to an average of $5,217. That’s an increase of $2,831, or $236 per month, just for not driving attentively!

Ratings for Orlando car insurance companies

Buying coverage from the top insurance provider can be a challenge considering how many companies provide coverage in Orlando. The company rank data displayed below may help you choose which insurers to look at shopping prices with.

These rankings only include the largest companies in the United States, so companies that have a smaller presence will not be included in the list. To compare rates from these top insurers and more, click this link.

Top 10 Major 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

Low rates today, overpriced tomorrow

Florida car insurance rates are based on many factors that will increase or decrease the price you have to pay. Improving your credit score, adding a teenager to your policy, or getting a few speeding tickets can produce rate changes resulting in some rates now being much cheaper than others.

Not only that, but auto insurance companies amend premium rates multiple times each year as an adjustment for underwriting gains or losses. Unexpectedly high claims can result in additional price hikes, while better underwriting may cause cheaper Orlando car insurance rates.

The data below compares the cheapest car insurance in Orlando, FL for a 30-year-old female driver with no prior accidents, a clean driving record, and a good credit history. If we look at prices based on her current rating profile, USAA has the cheapest car insurance rates in Orlando at $1,179 each year. This is $1,269 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the rest of the most affordable Orlando, FL auto insurance companies.

In this next rate comparison, we will give the driver in the first example a couple of claims, a lower credit rating, and a speeding ticket. Since every car insurance company has a unique approach to set policy rates, getting updated rate quotes may result in a substantially altered list of companies as shown below.

USAA now has the lowest price in Orlando, FL with Allied, Esurance, State Farm, and Auto-Owners also having competitive pricing. This shows why it is important to compare as many rates as possible to find the most budget-friendly auto insurance rates for teachers.

Rates are influenced by many things and can change without notice, so the best option the last time you compared rates may now be quite expensive.

The agents below can help you make a decision which car insurance company is the best fit, since many consumers aren’t sure which coverage to buy and prefer to get help from a professional when buying car insurance for teachers and educators. It can be challenging to find the best policy yourself, so insurance agents can give you comfort knowing your coverage gives you enough coverage when you need it. To find an agent in your neighborhood, click the button at the bottom of the list or click here to compare prices now.

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