Who Has the Cheapest Orlando Auto Insurance for Single Moms?

The words “bargain” and “auto insurance” really don’t belong together, especially when you are shopping around for the best insurance rates for single moms. In an attempt to save some money, let’s start the ball rolling by going over some things that have a considerable impact on auto insurance premiums, and find out if you can lower the price of your next policy.

For single parents, one of the big considerations that aid in calculating car insurance rates is where you live in Orlando. More densely populated places likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.

The illustration below rates the most expensive places in Florida for single moms to purchase auto insurance in. Orlando is ranked #19 with a yearly cost of $2,008 for car insurance, which is about $167 each month.

How much is auto insurance in Orlando, FL?
Rank City Annual Rate
1 Hialeah $3,523
2 Miami Gardens $3,277
3 Miami $3,273
4 Miami Beach $3,013
5 West Palm Beach $2,705
6 Hollywood $2,630
7 Miramar $2,629
8 Pompano Beach $2,620
9 Coral Springs $2,574
10 Tampa $2,558
11 Pembroke Pines $2,505
12 Fort Lauderdale $2,500
13 Davie $2,473
14 Brandon $2,368
15 Clearwater $2,260
16 St. Petersburg $2,196
17 Spring Hill $2,102
18 Jacksonville $2,040
19 Orlando $2,008
20 Port St. Lucie $1,975
21 Cape Coral $1,917
22 Lakeland $1,845
23 Tallahassee $1,784
24 Palm Bay $1,750
25 Gainesville $1,696
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Rates are approximated as zip code location can increase or decrease auto insurance rates noticeably.

Comparing quotes for low-cost car insurance is not always easy, and finding out which insurers offer the most affordable insurance rates for single moms involves even more shopping around. Every car insurance company uses slightly different criteria to determine premium rates, so let’s begin by examining the insurance companies that tend to be cheaper in Orlando, FL.

Best Insurance Companies for Single Moms

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Cheapest auto insurance in Florida ranked by cost per year
Rank Company Cost Per Year
1 USAA $948
2 Amica $1,694
3 Electric $1,712
4 Progressive $1,775
5 Travelers $1,869
6 Mercury $1,933
7 Allied $2,004
8 Esurance $2,082
9 State Farm $2,110
10 Auto-Owners $2,171
11 GEICO $2,172
12 Allstate $2,411
13 21st Century $2,469
14 Windhaven Insurance $2,549
15 MetLife $2,900
16 Safeco $3,016
17 Liberty Mutual $3,039
18 Hanover $3,054
19 United Automobile $3,457
20 Direct General $3,902
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USAA offers some of the cheapest car insurance rates in Orlando at around $948 each year. Amica, Electric, Progressive, and Travelers would also be considered some of the most economical Orlando, FL insurance companies.

In the rate table above, if you have coverage with Travelers and switched to Amica, you could earn yearly savings of about $175. Drivers with Mercury might save as much as $239 a year, and Allied customers might reduce rates by $310 a year.

Remember that these policy rates are averaged for all insureds and vehicles and and are not figured with an exact vehicle garaging location for single moms. So the car insurance company that can offer the best rates for your situation may not even be in the top 21 companies shown above. That’s why you need to get quotes using your own personalized driver profile and vehicle information.

How accidents and violations affect rates

A great way to get low insurance premiums for single parents is to be a safe driver and avoid accidents and traffic violations. The information below demonstrates how speeding tickets and at-fault collisions can increase annual premium costs for different ages of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

In the previous example, the average cost of an auto insurance policy in Orlando per year with a clean driving record and no accidents is $2,224. Receive one speeding ticket and the average cost swells to $2,525, an increase of $301 each year. Then include two accidents along with the one speeding ticket and the annual cost of insurance for single moms jumps again to an average of $5,372. That’s an increase of $3,148, or $262 per month, just for a couple of infractions!

How much more does full coverage cost in Orlando?

Saving money on insurance is probably important to most vehicle owners, and one of the fastest ways to pay less for insurance for single moms is to not buy full coverage. The illustration below illustrates the comparison of insurance premiums with full coverage and liability only. The rate quotes are based on no violations or accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, full coverage costs $2,656 per year over and above liability coverage. That is a big expense that brings up the question if paying for full coverage is a waste of money. There is no definitive guideline of when to phase out comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your vehicle’s replacement cost is $10,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $9,000 after the policy deductible has been paid. If premiums are more than $900 a year for full coverage, then you might consider buying liability only.

The diagram below illustrates how your choice of deductibles can change premium costs when trying to find cheap insurance for single moms. The premiums assume a single female driver, comp and collision included, and no discounts are applied to the premium.

As shown above, a 30-year-old driver could lower their policy premium by $512 a year by switching from a $100 deductible up to a $500 deductible, or save $770 by switching to a $1,000 deductible. Youthful drivers, like the age 20 example, can save as much as $1,148 every year just by choosing higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it is necessary to have plenty of money set aside to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

The agents below are willing to answer your questions and help you decide which coverages and limits you need, since many people would rather have some advice when buying car insurance for single parents. It can be complicated to find the cheapest rates, so getting advice from a licensed agent can give satisfaction knowing your coverage gives you adequate asset protection. To locate an Orlando insurance agent by location nearest to you, click the button at the bottom or click here to compare price quotes.

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