How Much are Orlando Car Insurance Rates for Welfare Recipients?

The vehicle on the policy is probably the most important factor when comparing economical insurance for welfare recipients. Vehicles with higher performance characteristics, poor passenger safety features, or high incidents of liability claims will cost substantially more to insure than more economical and safe models. The next list showcases coverage costs for a handful of the cheapest vehicles to insure in Florida.

Cheapest Vehicles to Insure in Orlando, FL
Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,180
Ford Escape Limited 4WD $1,279
Ford Edge SE 2WD $1,298
Honda CR-V EX 2WD $1,348
Toyota Camry LE $1,397
Chevrolet Equinox LS AWD $1,402
Ford Focus SEL 4-Dr Sedan $1,444
Toyota Prius $1,491
GMC Sierra SLE Crew Cab 4WD $1,496
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,506
Nissan Rogue S AWD $1,498
Dodge Grand Caravan CV $1,515
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,523
Toyota RAV4 2WD $1,599
Ford F-150 XL Crew Cab 2WD $1,616
Dodge Ram 3500 Mega Cab SLT 2WD $1,621
Chevrolet Malibu LT $1,629
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific location which can raise or lower coverage rates noticeably.

Based on these rates, you can expect models like the Honda Accord, Ford Escape, Ford Edge, Honda CR-V, and Toyota Camry will be some of the cheaper vehicles to insure for drivers on welfare.

For drivers on welfare, one of the largest things that help determine the annual cost of car insurance is where your residence is in Orlando. More populated areas tend to have more expensive car insurance rates, whereas less populated areas have the enjoyment of a little cheaper coverage.

The following table lists the highest-priced areas in Florida for welfare recipients in which to buy car insurance. Orlando ranks #19 costing $2,008 for the average policyholder, which is around $167 per month.

How much is auto insurance in Orlando, FL?
Rank City Annual Premium
1 Hialeah $3,523
2 Miami $3,273
3 Miami Gardens $3,149
4 Miami Beach $2,923
5 West Palm Beach $2,625
6 Pompano Beach $2,620
7 Tampa $2,610
8 Miramar $2,603
9 Hollywood $2,552
10 Coral Springs $2,549
11 Fort Lauderdale $2,500
12 Davie $2,473
13 Pembroke Pines $2,431
14 Brandon $2,298
15 St. Petersburg $2,263
16 Clearwater $2,238
17 Spring Hill $2,123
18 Jacksonville $2,040
19 Orlando $2,008
20 Port St. Lucie $1,994
21 Cape Coral $1,917
22 Lakeland $1,901
23 Tallahassee $1,784
24 Palm Bay $1,733
25 Gainesville $1,696
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Premium amounts are approximated as specific Orlando zip code can increase or decrease auto insurance rates significantly.

Impact of speeding/accidents on Orlando car insurance rates

The easiest way to earn cheap car insurance rates for drivers on welfare is to drive attentively and avoid accidents and keep your driving record clean. The illustration below highlights how speeding tickets and at-fault claims can influence insurance prices for different insured age categories. The data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of car insurance in Orlando per year with no accidents and a clean driving record is $2,039. Add in one speeding ticket and the average cost surges to $2,338, an increase of $300 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for welfare recipients jumps again to an average of $4,869. That’s an increase of $2,831, or $236 per month, just for not paying attention while driving!

Get discount Orlando insurance

Cheaper Orlando, FL car insurance for drivers on welfareAuto insurance companies that sell policies for welfare recipients may additionally offer discounts that can lower rates by as much as 40% or more if you meet specific criteria. A few of the larger companies and a selection of discounts include:

The chart below illustrates the comparison of auto insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no accidents or driving violations, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, vehicle safety, passive restraint, accident-free, multiple policy, and anti-theft discounts applied. When discounts are factored in, the average amount saved each year on car insurance for welfare recipients is 28% or $891.

Cost difference between full coverage and liability

Paying less for car insurance is the goal of the majority of people, and a great way to reduce the cost of insurance for welfare recipients is to not buy comprehensive and collision coverage. The chart below illustrates the difference between insurance rates with and without full coverage. The costs are based on no violations or claims, $100 deductibles, single marital status, and no additional discounts are factored in.

If the expense is averaged for all age categories, full coverage on your policy costs $2,656 per year more than just buying liability only. That raises the question if buying full coverage is worth the money. There isn’t a written rule to delete physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

There are a few situations where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

If you have questions and prefer to get some help when trying to find lower insurance rates for welfare recipients, the insurance agencies listed below are willing to answer your questions and help you decide which policy fits your needs best. To locate an Orlando auto insurance agent nearest to you, click the button at the bottom or click here to get price quotes now.

HealthMarkets Insurance Agency
5728 Major Blvd #705Orlando, FL 32819(407) 440-8665

Leigh DelVesco – State Farm Insurance Agent
3806 Edgewater DrOrlando, FL 32804(407) 290-8544

Orlando Health Insurance Agent
7898 Canyon Lake CirOrlando, FL 32835(321) 446-6527

Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee RdOrlando, FL 32818(407) 298-9996

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