For poor drivers, one of the more important things that aid in calculating the amount you pay each year for auto insurance is where your car is garaged in Orlando. Cities with more crime and/or more people tend to pay more, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The information below rates the most expensive cities in Florida for low income drivers to purchase a policy in. Orlando shows up at #17 with a yearly premium of $2,090 on average, which is around $174 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,488 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,149 |
| 4 | Miami Beach | $2,953 |
| 5 | Miramar | $2,683 |
| 6 | West Palm Beach | $2,679 |
| 7 | Tampa | $2,636 |
| 8 | Hollywood | $2,630 |
| 9 | Pompano Beach | $2,595 |
| 10 | Davie | $2,548 |
| 11 | Coral Springs | $2,499 |
| 12 | Fort Lauderdale | $2,475 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,368 |
| 15 | Clearwater | $2,260 |
| 16 | St. Petersburg | $2,219 |
| 17 | Orlando | $2,090 |
| 18 | Spring Hill | $2,039 |
| 19 | Jacksonville | $2,020 |
| 20 | Port St. Lucie | $1,994 |
| 21 | Lakeland | $1,883 |
| 22 | Cape Coral | $1,841 |
| 23 | Tallahassee | $1,801 |
| 24 | Palm Bay | $1,786 |
| 25 | Gainesville | $1,630 |
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Rate information is comparative as the specific geographic location can decrease or increase rates substantially.
Determining which company quotes the lowest-priced car insurance rates for low income drivers requires a little more work in order to find the best policy.
Every car insurance company has their own formula for determining rates, so let’s rank the most affordable car insurance companies in Orlando, FL.
Best Car Insurance Prices in Florida
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,746 |
| 4 | Progressive | $1,775 |
| 5 | Mercury | $1,914 |
| 6 | Travelers | $1,945 |
| 7 | Allied | $2,004 |
| 8 | Esurance | $2,040 |
| 9 | GEICO | $2,108 |
| 10 | State Farm | $2,110 |
| 11 | Auto-Owners | $2,149 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | MetLife | $2,900 |
| 16 | Safeco | $2,987 |
| 17 | Liberty Mutual | $3,009 |
| 18 | Hanover | $3,054 |
| 19 | United Automobile | $3,527 |
| 20 | Infinity | $4,045 |
| Find Cheaper Rates Go | ||
USAA offers some of the lowest car insurance rates in Orlando at around $957 annually. Amica, Electric, Progressive, and Mercury would also be considered some of the cheaper Orlando, FL car insurance companies.
As the rates illustrate above, if you have coverage with Amica and switched to USAA, you might realize savings of upwards of $737. Drivers with Electric might save as much as $789 a year, and Progressive customers might reduce prices by as much as $818 a year.
To discover how much you can save, click here to start your custom quote or visit any of the low-priced companies below.
Understand that those estimates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific location for low income drivers. So the insurer that is most affordable for your situation may not even be in the top 21 companies shown above. That underscores the importance of why you need to quote rates from many companies using your own personal information and vehicle type.
The car, truck, or SUV requiring insurance is one of the main factors that determines whether or not you find cheaper auto insurance for low income drivers. Vehicles with lower acceleration and performance, advanced safety features, or low incidents of liability claims will cost much less to insure than fast, unsafe models.
The information below showcases insurance prices for a number of the most budget-friendly automobiles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,219 |
| Honda CR-V EX 2WD | $1,227 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,336 |
| Ford Explorer XLT AWD | $1,363 |
| Ford Escape XLT 4WD | $1,366 |
| Chevrolet Equinox LS AWD | $1,441 |
| Toyota RAV4 4WD | $1,450 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,485 |
| Ford Focus SEL 4-Dr Sedan | $1,493 |
| Toyota Corolla LE | $1,520 |
| Chevrolet Impala LTZ | $1,525 |
| Toyota Prius | $1,523 |
| Ford F-150 STX Super Cab 4WD | $1,525 |
| Nissan Rogue S AWD | $1,543 |
| GMC Sierra SLT Extended Cab 4WD | $1,548 |
| Get a Custom Quote Go | |
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in Orlando, FL location which can increase or decrease prices greatly.
Looking at the rates, makes and models like the Hyundai Elantra, Honda CR-V, Chevrolet Silverado, and Ford Explorer will be some of the more affordable vehicles to insure for poor drivers.
Drive safe and save
The easiest method to maintain affordable car insurance prices in Florida for poor drivers is to drive safe and avoid accidents and traffic citations. The chart below shows how speeding tickets and at-fault collisions can impact insurance costs for different age groups. The price estimates are based on a married male driver, full coverage, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of car insurance in Orlando per year with no violations or accidents is $2,039. Get written up for one speeding ticket and the average cost surges to $2,338, an increase of $300 each year. Then add two accidents along with the one speeding ticket and the annual cost of car insurance for low income drivers goes up to an average of $4,869. That’s an increase of $2,831, or $236 per month, just for being a careless driver!
How to get discounts on Orlando auto insurance rates
Auto insurance companies that offer coverage for low income drivers may additionally offer special discounts that could reduce prices by 35% or more if you qualify. Larger car insurance companies and the discounts they provide are outlined below.
- American Family has savings for bundled insurance, good student, mySafetyValet, good driver, accident-free, and Steer into Savings.
- Farm Bureau policyholders can earn discounts including youthful driver, 55 and retired, multi-policy, multi-vehicle, and driver training.
- State Farm has discounts for safe vehicle, accident-free, Drive Safe & Save, good student, multiple policy, defensive driving training, and passive restraint.
- Travelers discounts include IntelliDrive, student away at school, multi-car, hybrid/electric vehicle, multi-policy, new car, and payment discounts.
- The Hartford offers discounts including driver training, defensive driver, anti-theft, air bag, good student, bundle, and vehicle fuel type.
- GEICO may have discounts that include driver training, five-year accident-free, multi-policy, daytime running lights, federal employee, defensive driver, and anti-lock brakes.
- Progressive includes discounts for multi-policy, homeowner, continuous coverage, multi-vehicle, and online quote discount.
The illustration below illustrates the comparison of insurance premiums with and without discounts. The premiums are based on a male driver, no claims, a clean driving record, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with vehicle safety, passive restraint, multiple vehicle, multiple policy, claim-free, and homeowner discounts applied. When discounts are factored in, the average amount saved each year on car insurance for low income drivers is 28% or $815.
Your cheap policy may actually be overpriced
Orlando car insurance rates are impacted by many things which can substantially change the cost of your policy. Simply getting older, buying higher coverage limits, or having a fender bender can trigger rate changes that may make certain companies cheaper than competitors. Not only that, but auto insurance companies change rates every year or even multiple times each year to help ensure profitability. Unexpectedly high claims can result in more expensive premiums, while long-term profits may cause cheaper Orlando car insurance rates.
The bar chart below compares the cheapest car insurance in Orlando, FL for a 40-year-old male driver with no prior claims, no tickets, and good credit. Based on his personal risk profile, USAA quotes the cheapest car insurance rates in Orlando at $1,191 annually. This is $1,257 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers round out the rest of the cheapest Orlando, FL auto insurance companies.
In this example, we will give the driver in the first example an accident claim, a lower credit rating, and an imperfect driving record. Since each insurance company has their own process to set policy rates, comparing insurance quotes may now result in a new list of the cheapest companies as shown below.
USAA now has the lowest car insurance rate in Orlando, FL with Mercury, Esurance, State Farm, and GEICO now being in the top five. This example proves why drivers need to compare as many rates as possible when trying to get the most budget-friendly insurance rates for low income drivers.
Auto insurance prices consist of many factors and can change substantially, so the cheapest option the last time you checked may now be one of the higher cost companies.
If you aren’t sure which coverage to buy and prefer to get some professional advice when comparing insurance rates for poor drivers, the professional agents shown below can most likely help you make a decision which auto insurance coverages would be the best in your situation. To locate an Orlando car insurance agency nearest to you, click the button after the list or click here to compare prices now.
Michael Moore – State Farm Insurance Agent
9161 Narcoossee Rd Ste 207 – Orlando, FL 32827 – (407) 208-9930
Allstate Insurance: Luis Diaz
1634 Hillcrest St – Orlando, FL 32803 – (407) 823-8232
Leigh DelVesco – State Farm Insurance Agent
3806 Edgewater Dr – Orlando, FL 32804 – (407) 290-8544
More Orlando, FL insurance agents
Ideas for finding more affordable car insurance for low income drivers
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help Florida drivers quote more affordable coverage.
- Do not pay for full coverage on older vehicles
- Higher credit ratings may save you money
- Buying home and auto together can help save money
- Buy a safer vehicle
- Remain accident-free and save
- Shop your coverage around for the best deal
The last suggestion is especially valuable, as was emphasized in the prior information. Prices charged by car insurance companies can change considerably based on profitability, so don’t be tentative to switch to a new company if a more affordable price is available. Staying with the same company for years is fine, but it isn’t a good idea if that loyalty results in overpaying a lot of money. Now is a great time to compare prices and find cheaper auto insurance for low income drivers in Orlando.