For health professionals, one of the big criteria that are looked at to determine the amount you pay each year for auto insurance is where you normally keep your vehicle. Larger areas will most likely have higher rates, whereas more rural areas have the gratification of cheaper auto insurance rates.
The illustration below lists the priciest cities in Florida for nurses to buy car insurance in. Orlando comes in at #18 with an annual premium of $2,029 for the average policy, which is around $169 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,488 |
| 2 | Miami | $3,241 |
| 3 | Miami Gardens | $3,149 |
| 4 | Miami Beach | $3,043 |
| 5 | West Palm Beach | $2,679 |
| 6 | Tampa | $2,610 |
| 7 | Miramar | $2,603 |
| 8 | Coral Springs | $2,549 |
| 9 | Hollywood | $2,526 |
| 10 | Pompano Beach | $2,518 |
| 11 | Fort Lauderdale | $2,500 |
| 12 | Pembroke Pines | $2,481 |
| 13 | Davie | $2,473 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,260 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,029 |
| 19 | Port St. Lucie | $1,994 |
| 20 | Jacksonville | $1,960 |
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Table data uses estimated as the specific garaging location can raise or lower auto insurance rates greatly.
Comparing quotes for cost effective car insurance is hard enough, and figuring out which company has the most affordable car insurance rates for nurses will require a bit more work. Each company uses different criteria for setting rates, so we’ll take a look at the car insurance companies that tend to have lower prices in Florida.
We do need to point out that Orlando, FL car insurance rates are based on many factors that can increase the price you have to pay for coverage. Taking a driver safety course, having a claim, or getting caught speeding can trigger changes in premium resulting in some companies being much cheaper than others.
Find the Cheapest Auto Insurance for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Amica | $1,712 |
| 3 | Electric | $1,746 |
| 4 | Progressive | $1,847 |
| 5 | Allied | $1,926 |
| 6 | Mercury | $1,933 |
| 7 | Travelers | $1,945 |
| 8 | Esurance | $2,020 |
| 9 | GEICO | $2,108 |
| 10 | State Farm | $2,110 |
| 11 | Auto-Owners | $2,171 |
| 12 | Allstate | $2,388 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,653 |
| 15 | MetLife | $2,870 |
| 16 | Safeco | $2,927 |
| 17 | Hanover | $2,934 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,562 |
| 20 | Direct General | $4,022 |
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USAA has some of the most affordable car insurance rates in Orlando at around $948 per year. Amica, Electric, Progressive, and Allied also qualify as some of the best Orlando, FL car insurance companies.
As the example above demonstrates, if you are a customer of Amica and switched to USAA, you could realize an annual savings of in the neighborhood of $764. Customers with Electric might save as much as $798 a year, and Progressive policyholders might reduce prices by as much as $899 a year.
If you want to find out if you’re overpaying, click here to begin a quote or quote prices from the following companies.
It’s important to note that these estimates are averages for all insureds and vehicles and and are not calculated with a specific zip code for nurses. So the insurer that is best for you may not even be in the top 21 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own personal information and vehicle type.
The car, truck, or SUV needing coverage is one of the primary factors when comparing the lowest-priced auto insurance for nurses. Vehicles with lower performance, an excellent safety record, or a positive history of liability claims will cost quite a bit less to insure than higher performance models.
The information below showcases insurance prices for the most economical automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,272 |
| Honda Accord LX 4-Dr Sedan | $1,365 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,375 |
| Ford Escape Limited 2WD | $1,395 |
| Toyota RAV4 Limited 2WD | $1,471 |
| Ford F-150 Lariat Crew Cab 2WD | $1,498 |
| Toyota Prius | $1,516 |
| Toyota Tacoma 4WD | $1,523 |
| Dodge Grand Caravan CV | $1,533 |
| Kia Optima LX | $1,576 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,581 |
| Ford Fusion SEL 4-Dr Sedan | $1,579 |
| Chevrolet Silverado LT Crew Cab 4WD | $1,584 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific garaging location which can influence premium rates significantly.
Looking at the numbers, you can expect vehicles like the Honda CR-V, Honda Accord, and Jeep Wrangler will definitely be some of the less-costly vehicles to insure for health professionals.
Liability only or full coverage
Saving on car insurance is important to most drivers, and a good way to find cheap insurance for nurses is to only pay for liability coverage. The chart below illustrates the difference between auto insurance costs when comparing full coverage to liability only. The price estimates are based on no violations or accidents, $100 deductibles, marital status is single, and no policy discounts are applied.
Averaged out for all age groups, full coverage on your policy costs an additional $2,385 per year more than buying just liability insurance. That amount may make you wonder if it’s worth it to buy full coverage. There is no definitive formula to stop paying for physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
How to find a good Orlando car insurance company
Selecting the top insurer is hard considering how many choices drivers have in Orlando. The company ratings in the lists below can help you analyze which car insurance companies to look at purchasing from. These ratings only include large, nationwide insurance companies, so smaller companies that only insure vehicles in Florida are not taken into consideration for the list.
Top 10 Large Auto Insurers Overall in Orlando
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Large Auto Insurers in Orlando Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
How to find economical auto insurance for nurses
The list below summarizes some of the recommended money-saving suggestions that can help Orlando drivers buy lower-cost coverage.
- Buy vehicles with good safety ratings
- At-fault accidents will increase rates
- Tickets and violations raise rates
- Do not pay for full coverage if not needed
- Raise your physical damage coverage deductibles
- Higher credit ratings may save you money
- Comparison shop frequently
The last item on the list is incredibly important, as we noted in this article. Coverage prices in Orlando vary greatly, so you should be ready to buy a policy from a new company if a better deal can be had. Brand loyalty is great, but is isn’t recommended if that devotion results in you overpaying big bucks every year. It takes less than five minutes to compare prices and find cheaper insurance for nurses.