For new drivers, one of the largest components that are used to help calculate the amount you pay each year for auto insurance is your zip code. Areas with more people or more claims tend to have higher auto insurance costs, whereas less populated areas benefit from lower prices.
The information below ranks the most expensive areas in Florida for inexperienced drivers to purchase car insurance in. Orlando is ranked at #18 with a yearly cost of $2,029 for the average policy, which is around $169 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,245 |
| 4 | Miami Beach | $3,043 |
| 5 | Miramar | $2,683 |
| 6 | West Palm Beach | $2,679 |
| 7 | Tampa | $2,610 |
| 8 | Hollywood | $2,604 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Coral Springs | $2,549 |
| 11 | Pompano Beach | $2,543 |
| 12 | Davie | $2,473 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,298 |
| 15 | Clearwater | $2,238 |
| 16 | St. Petersburg | $2,219 |
| 17 | Spring Hill | $2,039 |
| 18 | Orlando | $2,029 |
| 19 | Jacksonville | $1,980 |
| 20 | Port St. Lucie | $1,916 |
| 21 | Lakeland | $1,883 |
| 22 | Cape Coral | $1,841 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,748 |
| 25 | Gainesville | $1,696 |
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Premium costs are comparative as the specific zip code location can raise or lower coverage prices substantially.
Comparing quotes for cost effective insurance is easier said than done, and figuring out which companies quote the cheapest insurance rates for inexperienced drivers will require a bit more work. Every car insurance company has a different formula to set premium rates, so first we will examine the lowest cost insurance companies in Orlando.
It’s important that you understand Orlando insurance rates are impacted by many factors that can increase the policy premium. Price variation is why Orlando drivers need to do a thorough rate comparison when trying to find the cheapest auto insurance rates for inexperienced drivers. Car insurance prices can be determined by many things and can decrease or increase without notice, so the most economical company when you last compared rates may now be one of the higher cost companies.
Lowest Insurance Price Quotes for Newbies
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,746 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,775 |
| 5 | Travelers | $1,869 |
| 6 | Mercury | $1,914 |
| 7 | Allied | $2,004 |
| 8 | Esurance | $2,020 |
| 9 | Auto-Owners | $2,107 |
| 10 | State Farm | $2,131 |
| 11 | GEICO | $2,150 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,373 |
| 14 | Windhaven Insurance | $2,653 |
| 15 | MetLife | $2,870 |
| 16 | Safeco | $2,898 |
| 17 | Hanover | $2,934 |
| 18 | Liberty Mutual | $3,039 |
| 19 | United Automobile | $3,562 |
| 20 | Direct General | $4,022 |
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USAA generally has some of the cheapest car insurance rates in Orlando at around $948 a year. Electric, Amica, Progressive, and Travelers are also some of the more affordable Orlando, FL insurance companies.
As shown above, if you currently have coverage with Amica and switched to USAA, you could realize a yearly savings of approximately $816. Policyholders with Progressive could save as much as $827 a year, and Travelers customers might reduce rates by $921 a year.
To find out how your current rates compare, click here to get a free quote or visit any of the companies below.
Bear in mind that those policy rates are averages across all drivers and vehicles in Florida and and are not figured with a specific vehicle garaging location for inexperienced drivers. So the company that is best for you may not even be in the list above. That’s why you need to quote rates from many companies using your own personal information and vehicle type.
The car, truck, or SUV driven is probably the most important factor when trying to find the most affordable auto insurance for inexperienced drivers. Vehicles with lower acceleration and performance, good crash test ratings, or low incidents of liability claims will cost significantly less to insure than high performance models.
The information below ranks car insurance rates for a selection of the most budget-friendly automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,197 |
| Ford Escape XLT 2WD | $1,308 |
| Ford F-150 XL Regular Cab 4WD | $1,343 |
| Chevrolet Impala LS | $1,392 |
| Ford Edge SEL AWD | $1,399 |
| Toyota RAV4 Limited 4WD | $1,419 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,424 |
| Ford Explorer Limited AWD | $1,444 |
| Toyota Prius | $1,456 |
| Honda Odyssey EX W/Rear Entertainment | $1,520 |
| GMC Sierra SLT Crew Cab 2WD | $1,526 |
| Jeep Grand Cherokee Limited 4WD | $1,520 |
| Dodge Ram Quad Cab SLT 4WD | $1,545 |
| Chevrolet Malibu Hybrid | $1,550 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,582 |
| Dodge Grand Caravan Crew | $1,589 |
| Chevrolet Equinox LT AWD | $1,597 |
| Chevrolet Silverado Crew Cab Hybrid 2WD | $1,604 |
| Ford Focus SES 2-Dr Coupe | $1,597 |
| Kia Optima SX | $1,621 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,624 |
| Toyota Camry SE | $1,634 |
| Toyota Corolla S | $1,639 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in garaging location in Orlando, FL which can impact insurance rates considerably.
Based upon the table data, we can assume that cars like the Honda CR-V, Ford Escape, Ford F-150, Chevrolet Impala, and Ford Edge are most likely to be some of the cheaper vehicles to insure for new drivers.
Bad driving habits will cost you more
The easiest method to enjoy cheap insurance prices in Orlando for new drivers is to drive carefully and avoid accidents and traffic violations. The diagram below demonstrates how citations and at-fault collisions can affect yearly insurance costs for each different age group. The information is based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.
In the prior example, the average cost of a car insurance policy in Orlando per year with no violations or accidents is $1,868. Get two speeding tickets and the average cost jumps to $2,499, an increase of $631 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of insurance for inexperienced drivers increases to an average of $4,958. That’s an increase of $3,090, or $257 per month, just for being a less-than-perfect driver!
The illustration below illustrates how choosing a deductible can raise or lower insurance premiums when getting quotes for cheap insurance for inexperienced drivers. The price estimates are based on a married female driver, full coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could lower rates by $384 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $578 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could possibly save as much as $952 every year by selecting a higher deductible. When using a larger deductible, it is a good idea to have additional savings on hand to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Cost of full coverage
Paying a lower price for insurance should be important to the majority of drivers, and an effective way to save on the cost of insurance for inexperienced drivers is to buy only liability coverage. The information below shows the comparison of auto insurance costs with and without physical damage coverage. The premiums assume no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.
Averaged for all ages 20 through 70, physical damage coverage costs an extra $2,417 per year more than just buying liability insurance. Lot’s of drivers question if full coverage is worth the money. There is no definitive rule to stop buying physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s replacement cost is $10,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $9,000 after the policy deductible has been paid. If you are currently paying more than $900 a year to have full coverage, then you might consider buying liability only.
There are some cases where dropping full coverage is not recommended. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.
How to find more affordable auto insurance for inexperienced drivers
The list below summarizes some of the recommended thrifty suggestions that can help Florida drivers buy cheaper auto insurance.
- Bundle home or renters insurance to earn a discount on car insurance
- Clean up your credit
- Discounts for being claim-free can be substantial
- Do not get traffic violations
- Avoid at-fault accidents and claims
- Raise comprehensive and collision coverage deductibles
- Keep rates low by comparing prices once a year
The last idea is remarkably significant, as was discussed in the article above. Prices adjust often, so don’t be afraid to switch carriers if a more affordable price is available.
Sticking with a specific company is fine, but we do not recommend it if it’s costing you a small fortune year after year. Spend a few minutes and compare rates and find cheaper insurance for inexperienced drivers in Orlando.
If you have questions and prefer to get some guidance when buying car insurance for new drivers, the agents listed below can help you make a decision which car insurance policy is best. To find an Orlando insurance agent nearest to you, click the button below the list.
- Andy Phillips – State Farm Insurance Agent
7608 W Sand Lake Rd – Orlando, FL 32819 – (407) 354-1320 - 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 - Sikes Insurance Agency Inc
5145 Curry Ford Rd – Orlando, FL 32812 – (407) 282-5145