Shopping around for low-priced car insurance is difficult, and deciding which insurers offer the best insurance rates for teenage females will take additional perseverance. Each auto insurer has a unique formula for filing rates in each state, so let’s take a look at the most budget-friendly insurance companies in Orlando.
Find the Cheapest Auto Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $986 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,764 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,869 |
| 6 | Mercury | $1,992 |
| 7 | Allied | $2,004 |
| 8 | Esurance | $2,020 |
| 9 | State Farm | $2,047 |
| 10 | Auto-Owners | $2,171 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,411 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | Safeco | $2,927 |
| 16 | Hanover | $2,964 |
| 17 | MetLife | $2,988 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $4,022 |
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USAA may offer some of the most affordable car insurance rates in Orlando at around $986 each year. Amica, Electric, Progressive, and Travelers are also some of the cheapest Orlando, FL auto insurance companies.
As the rates illustrate above, if you are currently insured with Progressive and switched to USAA, you could see savings of roughly $861. Drivers with Travelers may save as much as $883 a year, and Mercury customers might realize rate reductions of up to $1,006 a year.
Remember that these estimates are averaged across all drivers and vehicles and and are not figured with a specific location for teenage females. So the car insurance company that can offer you the lowest price may not even be in the top 21 companies shown above. That points out the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.
One of the many factors that aid in calculating the amount you pay each year for auto insurance is where you live. Regions with larger populations or more claims tend to pay more, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.
The following table lists the priciest cities in Florida for teenage females to buy an auto insurance policy in. Orlando is listed at #18 with an annual cost of $2,008 for coverage, which is around $167 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,273 |
| 4 | Miami Beach | $3,013 |
| 5 | West Palm Beach | $2,679 |
| 6 | Miramar | $2,629 |
| 7 | Hollywood | $2,604 |
| 8 | Tampa | $2,558 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Coral Springs | $2,549 |
| 11 | Davie | $2,548 |
| 12 | Pompano Beach | $2,543 |
| 13 | Pembroke Pines | $2,481 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,260 |
| 17 | Spring Hill | $2,060 |
| 18 | Orlando | $2,008 |
| 19 | Jacksonville | $1,980 |
| 20 | Port St. Lucie | $1,916 |
| 21 | Lakeland | $1,901 |
| 22 | Cape Coral | $1,898 |
| 23 | Tallahassee | $1,748 |
| 24 | Palm Bay | $1,733 |
| 25 | Gainesville | $1,680 |
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Rate information is approximated as the vehicle garaging location can alter coverage prices substantially.
The type of vehicle requiring insurance is one of the largest considerations when comparison shopping for the cheapest auto insurance for teenage females. Vehicles with lots of horsepower, poor safety features, or an increased likelihood of liability claims will cost much more to insure than safer models.
The next table ranks coverage costs for a number of the most budget-friendly automobiles to insure in Florida.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $5,072 |
| Ford Escape Limited 2WD | $5,119 |
| Honda CR-V EX-L 4WD | $5,129 |
| Hyundai Elantra SE Touring Station Wagon | $5,426 |
| Toyota Prius | $5,472 |
| Ford Explorer XLT AWD | $5,711 |
| Dodge Grand Caravan CV | $5,716 |
| Jeep Grand Cherokee Laredo 4WD | $6,019 |
| Toyota RAV4 Sport 4WD | $6,029 |
| Chevrolet Equinox LT 2WD | $6,019 |
| Chevrolet Impala LT | $6,025 |
| Dodge Ram Quad Cab ST 2WD | $6,221 |
| Ford Focus SEL 4-Dr Sedan | $6,283 |
| Honda Odyssey EX-L W/Rear Entertainment | $6,329 |
| Toyota Tacoma X-Runner 2WD | $6,335 |
| Ford Edge Sport AWD | $6,329 |
| Nissan Altima 2.5 S 4-Dr Sedan | $6,338 |
| Ford Fusion Sport 4-Dr Sedan | $6,375 |
| Chevrolet Malibu LTZ | $6,382 |
| GMC Sierra SLE Extended Cab 4WD | $6,375 |
| Compare Cheap Rates Go | |
Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific garaging location which can modify auto insurance rates noticeably.
Based on these rates, you can conclude that vehicles like the Honda Accord, Ford Escape, Honda CR-V, and Hyundai Elantra are going to be the most affordable vehicles to insure for teen girls. Rates will be more costly because there is more risk for teenage females, but overall those particular models will have the lowest insurance prices compared to other vehicles.
Get discount Orlando car insurance
Car insurance companies that offer coverage for teenage females could also offer premium discounts that can lower rates by 25% or more if you meet the requirements. A list of companies and their possible discounts can be read below.
- American Family policyholders can earn discounts including defensive driver, accident-free, multi-vehicle, air bags, Steer into Savings, bundled insurance, and good student.
- Farm Bureau discounts include youthful driver, 55 and retired, driver training, safe driver, and good student.
- State Farm includes discounts for accident-free, passive restraint, student away at school, good driver, and good student.
- Travelers has discounts for IntelliDrive, new car, home ownership, early quote, multi-policy, continuous insurance, and save driver.
- The Hartford has savings for driver training, bundle, good student, defensive driver, and anti-theft.
- GEICO may offer discounts for federal employee, air bags, seat belt use, multi-policy, anti-lock brakes, and five-year accident-free.
- Progressive may have discounts that include multi-vehicle, online quote discount, continuous coverage, homeowner, good student, online signing, and multi-policy.
The diagram below compares insurance costs with and without discounts applied to the premium. The data assumes a male driver, no claims or driving citations, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, good student, paperless filing, continuous coverage, paid-in-full, and passive restraint discounts applied. In this example, the average amount saved each year on insurance for teenage females is 28% or $960.
The information below illustrates how your choice of deductibles can increase or decrease annual premium costs when researching cheap insurance for teenage females. The rates are based on a married male driver, comp and collision included, and no additional discounts are factored in.
The data above shows that a 30-year-old driver could reduce rates by $320 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $486 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could possibly save up to $966 every year by using higher deductibles when buying full coverage. When raising deductibles, it’s a good idea to have enough spare savings to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.
Rate increases following a ticket or accident
In a perfect world, the best way to find cheap insurance rates in Florida for teen girls is to pay attention while driving and have a clean driving record. The diagram below shows how violations and at-fault fender-benders impact car insurance costs for different age categories. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Orlando per year with a clean driving record and no accidents is $2,262. Receive two speeding tickets and the average cost surges to $3,045, an increase of $783 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for teenage females goes up to an average of $3,826. That’s an increase of $1,565, or $130 per month, just for not driving responsibly!
Ideas for finding economical car insurance for teenage females
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help you locate low-cost auto insurance.
- Good credit can mean cheaper rates
- Save money by insuring your home and auto with the same company
- If possible, do not file small claims
- Raise deductibles
- Avoid at-fault accidents and claims
- Save money by obeying traffic laws and keeping a clean driving record
- Shop your coverage around for the best deal
The last item on the list is incredibly important, as we stressed in this write-up. Rates adjust often, so you should be ready to change to a new company if you find a better deal.
Many drivers have brand loyalty and that’s fine, but it’s not recommended if that loyalty ends up costing potentially thousands of dollars a year. In less than five minutes you could shop around to find cheaper insurance for teenage females in Orlando.
The agents shown below can aid you in deciding which car insurance policy is best, as some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when comparing insurance rates for teenage females. It can be challenging to find the cheapest rates, so agents can give you satisfaction knowing your coverage gives you suitable coverage if you ever need to use it.
To locate an Orlando auto insurance agent by location nearest to you, click the button at the bottom of the list.
- Andy Phillips – State Farm Insurance Agent
7608 W Sand Lake Rd – Orlando, FL 32819 – (407) 354-1320 - Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee Rd – Orlando, FL 32818 – (407) 298-9996 - Corkhill Insurance Agency, LLC
20 S Bumby Ave – Orlando, FL 32803 – (407) 898-8891 - Jim Daniels – State Farm Insurance Agent
4759 S Conway Rd – Orlando, FL 32812 – (407) 855-6791