Who Has the Cheapest Orlando Auto Insurance for Immigrants?

The words “economical” and “insurance” probably shouldn’t be used together, in particular when you are looking for the best price on coverage for immigrants. To save some money, let’s introduce you to a few of the factors that help determine auto insurance rates, and come up with some ways to slash the price of your next policy.

One of the many things that help determine the price you pay for insurance is where you normally keep your vehicle in Orlando. Areas with increased crime or more people will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.

The following table rates the most expensive places in Florida for immigrants to buy an auto insurance policy in. Orlando shows up at #19 with the annual price of $2,008 for the average insurance policy, which is around $167 each month.

How much does car insurance cost in Orlando, FL?
Rank City Annual Premium
1 Hialeah $3,488
2 Miami $3,273
3 Miami Gardens $3,245
4 Miami Beach $3,013
5 Hollywood $2,630
6 Miramar $2,629
7 Pompano Beach $2,620
8 West Palm Beach $2,599
9 Tampa $2,558
10 Fort Lauderdale $2,550
11 Davie $2,523
12 Coral Springs $2,499
13 Pembroke Pines $2,431
14 Brandon $2,368
15 Clearwater $2,238
16 St. Petersburg $2,219
17 Spring Hill $2,123
18 Jacksonville $2,020
19 Orlando $2,008
20 Port St. Lucie $1,916
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Premium costs are comparative as the specific area where the vehicle is garaged can decrease or increase coverage prices considerably.

Figuring out which company quotes the lowest-priced car insurance rates for immigrants involves a tad more effort in order to find the most economical policy. Every auto insurer has their own guidelines to set policy rates, so we will examine the most budget-friendly car insurance companies in Florida.

It’s a good idea to know that Orlando, FL car insurance rates are based on many factors that can increase the price you have to pay for coverage. Simply having a birthday, increasing deductibles, or getting a ticket for running a stop sign can cause premium changes that can now make some companies cheaper than competitors.

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Cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $977
2 Electric $1,712
3 Amica $1,764
4 Progressive $1,775
5 Travelers $1,869
6 Mercury $1,933
7 Allied $2,004
8 State Farm $2,068
9 Esurance $2,102
10 Auto-Owners $2,107
11 GEICO $2,108
12 21st Century $2,397
13 Allstate $2,411
14 Windhaven Insurance $2,653
15 Safeco $2,927
16 Hanover $2,934
17 MetLife $2,958
18 Liberty Mutual $3,101
19 United Automobile $3,527
20 Direct General $3,942
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USAA offers some of the cheapest car insurance rates in Orlando at around $977 annually. This is $1,471 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers would also be considered some of the best Orlando, FL car insurance companies.

In this example, if you are a policyholder with Travelers and switched to Electric, you might see an annual premium reduction of roughly $157. Drivers with Mercury might save as much as $221 a year, and Allied customers might see rate reductions of $292 a year.

To find the cheapest coverage for you, click here to get quotes or visit any of the companies below.

Remember that these rates are averaged for all ages of drivers and types of vehicles and and are not calculated with an exact vehicle garaging location for immigrants. So the company that can offer the best rates for your situation may not even be in the top 21 companies in the list above. That point stresses why you need to get rate quotes using your own personalized driver profile and vehicle information.

The information below highlights how deductible selection can raise or lower premium costs when quoting cheap insurance for immigrants. The price estimates are based on a single male driver, comp and collision included, and no discounts are factored in.

In the chart above, a 40-year-old driver could lower rates by $344 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $518 by using a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could save $1,126 or more by choosing a larger deductible amount.

When increasing deductibles, it will be necessary to have additional savings on hand to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Cost of full coverage

Saving money on car insurance is probably important to the majority of vehicle owners, and one easy way to buy cheaper insurance for immigrants is to not buy full coverage. The information below illustrates the comparison of insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no violations or accidents, $1,000 deductibles, single status, and no policy discounts are applied.

As an overall average, physical damage coverage costs $1,747 per year over and above liability coverage. That is a large expense which might make you wonder if you should buy full coverage. There is no definitive guideline to exclude full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s say your vehicle’s replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after the policy deductible has been paid. If it’s costing you more than $400 a year to have full coverage, then you might want to think about dropping full coverage.

Careless driving habits raise car insurance rates

The recommended way to maintain cheap car insurance prices in Florida for foreigners is to be an attentive driver and avoid accidents and traffic violations. The diagram below shows how speeding tickets and at-fault collisions impact car insurance costs for different age groups. The data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of a car insurance policy in Orlando per year with no violations or accidents is $1,868. Receive two speeding tickets and the average cost jumps to $2,499, an increase of $631 each year. Now get two accidents along with the two speeding tickets and the yearly cost of car insurance for immigrants jumps again to an average of $4,958. That’s an increase of $3,090, or $257 per month, just for not driving carefully!