Who Has the Cheapest Auto Insurance for a 20 Year Old Female in Orlando?

Wouldn’t it be great if you could know instantly that one special company that has the cheapest insurance for 20 year old women? Regrettably, it’s not quite that easy, as there are a ton of unknown elements like if you own or rent your home, the miles you drive each year, and the neighborhood you live in. We are going to cover the best ways to save money and hopefully give you enough understanding to have a jump start in finding the best auto insurance.

One of the many criteria that are looked at to determine the annual cost of car insurance is where you normally keep your vehicle. Cities with larger populations or higher claim trends tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The following table rates the priciest cities in Florida for 20 year old women to buy car insurance in. Orlando makes the list at #17 with the annual price of $2,090 for the average insured, which is approximately $174 per month.

How much does car insurance cost in Orlando, FL?
Rank City Average Per Year
1 Hialeah $3,488
2 Miami Gardens $3,277
3 Miami $3,177
4 Miami Beach $3,043
5 Miramar $2,709
6 West Palm Beach $2,679
7 Hollywood $2,630
8 Pompano Beach $2,620
9 Tampa $2,610
10 Davie $2,548
11 Fort Lauderdale $2,500
12 Coral Springs $2,499
13 Pembroke Pines $2,431
14 Brandon $2,368
15 St. Petersburg $2,286
16 Clearwater $2,238
17 Orlando $2,090
18 Spring Hill $2,039
19 Jacksonville $1,980
20 Port St. Lucie $1,935
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Rates are estimated as zip code location can decrease or increase coverage prices substantially.

The make and model of vehicle you are insuring is probably the largest consideration when shopping for the best cheap coverage for 20 year old women. Vehicles with lots of speed or power, a lack of modern safety features, or a history of substantial liability claims will cost substantially more to insure than more modest models.

The list below illustrates car insurance premiums for the cheapest vehicles to insure.

Cheapest Vehicles to Insure in Orlando, FL
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 4WD $2,852
Ford Escape Limited 2WD $2,857
Hyundai Elantra SE Touring Station Wagon $3,031
Volkswagen Jetta S 2.5 Station Wagon $3,039
Honda Accord EX-L 4-Dr Sedan $3,031
Toyota Prius $3,072
Jeep Wrangler Sahara 4WD 2-Dr $3,152
Toyota Tacoma 4WD $3,160
Ford Focus S 4-Dr Sedan $3,288
Ford Edge Limited 2WD $3,296
Chevrolet Silverado LS Extended Cab 4WD $3,331
Chevrolet Malibu LS $3,336
Toyota RAV4 Limited 4WD $3,331
GMC Sierra SLE Crew Cab 2WD $3,336
Ford Explorer Limited AWD $3,372
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Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in Orlando, FL location which can raise or lower premiums significantly.

By looking at the data, we can tell that vehicles like the Honda CR-V, Ford Escape, Hyundai Elantra, Volkswagen Jetta, and Honda Accord should be some of the less-costly vehicles to insure for young women. The price for car insurance will be higher anyway because there is a higher risk for 20 year old women, but in general those vehicles will have the cheapest auto insurance rates compared to other vehicles.

The illustration below highlights how deductible selection can increase or decrease insurance prices when searching for cheap insurance for 20 year old women. The rate quotes are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

In the chart above, a 40-year-old driver could cut expenses by $384 a year by changing from a $100 deductible to a $500 deductible, or save $578 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, could shave as much as $952 annually by using a higher deductible.

When raising deductibles, it will be important to have enough in a savings account to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Irresponsible driving raises your rates

The obvious way to obtain cheap insurance premiums in Orlando for young women is to drive safe and avoid tickets and accidents. The example below illustrates how speeding tickets and at-fault fender-benders can increase insurance prices for each different age category. The price estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

The data charted above shows the average cost of auto insurance in Florida per year with a clean driving record and no accidents is $3,027. Factor in two speeding tickets and the average cost hikes up to $4,078, an increase of $1,051 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of insurance for 20 year old women goes up to an average of $5,156. That’s an increase of $2,129, or $177 per month, just for not being a responsible driver!

Discounts on Orlando auto insurance rates

Discounts on insurance for 20 year old womenInsurance providers that sell policies for 20 year old women may additionally offer policy discounts that could lower prices by 30% or more if you qualify. Larger insurance companies and their possible discounts are shown below.

The diagram below illustrates the difference between insurance prices with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no claims or driving violations, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with anti-theft, continuous coverage, passive restraint, paid-in-full, good student, and vehicle safety discounts applied. With discounts applied, the average amount saved each year on insurance for 20 year old women is 21% or $384.

Why you should be comparing rates

Florida insurance rates are impacted by many factors that control the price you pay. Simply turning a year older, buying another vehicle, or getting a DUI can trigger price changes resulting in some companies being cheaper than competitors.

Not only may things change on your end, but insurance companies modify pricing without warning in order to protect their financial rating. Significantly higher losses may result in additional price hikes, while a better claims history may result in lower-priced Orlando car insurance rates.

To illustrate this example, the chart below shows the company with the cheapest car insurance in Orlando, FL for a 45-year-old male driver with no violations or accidents, and excellent credit. If we look at prices based on his current risk profile, USAA may offer the lowest car insurance rates in Orlando at $1,252 annually. This is $1,196 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also included in the cheapest Orlando, FL auto insurance companies.

Let’s now give the driver from the above example a claim, a lower credit rating, and a traffic ticket or two. Since every car insurance company uses their own calculation for determining rates in each state, getting updated rate quotes may now result in a significantly different list of affordable Orlando car insurance companies as shown below.

USAA now has the best car insurance rate in Orlando, FL with Mercury, Esurance, GEICO, and State Farm completing the list. This shows why it is critical to compare rates to find cheap auto insurance quotes for 20 year old women. Auto insurance prices are made up of many things and change substantially, so the cheapest rate two years ago may now cost much more than other companies.