The words “affordable” and “insurance” really don’t belong together, in particular when searching for the best insurance rates for active military. To save some money, let’s teach you a few of the things that have an effect on auto insurance prices, and find a few ways to slash the price of the next policy you buy.
One of the many criteria that are looked at to help calculate the amount you pay for auto insurance is your zip code. Areas with high crime rates or more dense population are more likely to pay higher prices, whereas areas with less people or fewer weather incidents get the luxury of paying less.
The illustration below lists the highest-priced areas in Florida for active military to purchase a policy in. Orlando is ranked at #17 with a yearly premium of $2,090 for the average insurance policy, which is around $174 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,145 |
| 4 | Miami Beach | $2,953 |
| 5 | Miramar | $2,629 |
| 6 | Tampa | $2,610 |
| 7 | West Palm Beach | $2,599 |
| 8 | Pompano Beach | $2,595 |
| 9 | Coral Springs | $2,549 |
| 10 | Hollywood | $2,526 |
| 11 | Pembroke Pines | $2,505 |
| 12 | Fort Lauderdale | $2,475 |
| 13 | Davie | $2,448 |
| 14 | Brandon | $2,368 |
| 15 | St. Petersburg | $2,196 |
| 16 | Clearwater | $2,194 |
| 17 | Orlando | $2,090 |
| 18 | Spring Hill | $2,060 |
| 19 | Jacksonville | $2,040 |
| 20 | Port St. Lucie | $1,916 |
| 21 | Cape Coral | $1,860 |
| 22 | Lakeland | $1,827 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,731 |
| 25 | Gainesville | $1,630 |
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Premium costs are estimated as the specific garaging location can affect auto insurance rates considerably.
Finding decent, reasonably-priced insurance is confusing at best, and deciding which company quotes the cheapest auto insurance rates for active military requires more quotes for comparison.
Every auto insurer uses slightly different criteria to determine premium rates, so to begin we’ll rank the lowest cost auto insurance companies in Florida. It’s a good idea to know that Orlando, FL auto insurance rates are based on many factors that control the price of coverage. This price fluctuation is why consumers need to shop around to find the most budget-friendly car insurance quotes for active military. Rates are influenced by many things and change frequently, so the cheapest option the last time you shopped around may now be wasting a lot of money.
Cheap Insurance Rates for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $986 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,746 |
| 4 | Progressive | $1,847 |
| 5 | Mercury | $1,933 |
| 6 | Travelers | $1,945 |
| 7 | Allied | $1,985 |
| 8 | State Farm | $2,068 |
| 9 | GEICO | $2,086 |
| 10 | Esurance | $2,102 |
| 11 | Auto-Owners | $2,107 |
| 12 | 21st Century | $2,397 |
| 13 | Allstate | $2,411 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | MetLife | $2,900 |
| 16 | Safeco | $2,927 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $4,062 |
| Get a Custom Quote Go | ||
USAA has some of the most affordable car insurance rates in Orlando at around $986 a year. Amica, Electric, Progressive, and Mercury also qualify as some of the more affordable Orlando, FL auto insurance companies.
In the rate table above, if you are currently insured with Electric and switched to USAA, you might achieve an annual premium reduction of about $760. Drivers with Progressive might save as much as $861 a year, and Mercury insureds might reduce prices by as much as $947 a year.
If you would like to find cheaper car insurance rates, click here to get quotes or click several companies below for low rates.
It’s important to note that these policy rates are averages for all drivers and vehicles and do not take into consideration a specific zip code for active military. So the auto insurance company that fits you best may not even be in the list above. That’s why you need to get car insurance quotes using your own specific driver and vehicle information.
Get discounts on Orlando auto insurance rates
Insurers that offer coverage for active military may have rate discounts that could lower prices by as much as 35% or more if you meet certain criteria. Popular auto insurance companies and the discounts they provide can be found below.
- The Hartford includes discounts for bundle, vehicle fuel type, driver training, good student, and anti-theft.
- American Family policyholders can earn discounts including bundled insurance, Steer into Savings, multi-vehicle, defensive driver, mySafetyValet, good driver, and air bags.
- Progressive offers premium reductions for online signing, multi-vehicle, good student, online quote discount, homeowner, multi-policy, and continuous coverage.
- Travelers has savings for IntelliDrive, payment discounts, new car, hybrid/electric vehicle, early quote, and driver training.
- Farmers Insurance discounts include multi-car, bundle discounts, mature driver, youthful driver, alternative fuel, business and professional, and switch companies.
- USAA offers discounts including defensive driver, new vehicle, vehicle storage, good student, and multi-vehicle.
- Liberty Mutual may include discounts for hybrid vehicle, multi-car, preferred payment discount, new move discount, and safety features.
The chart below illustrates the comparison of insurance premiums with and without discounts being applied to the rates. The price estimates are based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, multiple policy, passive restraint, defensive driving course, homeowner, and anti-theft discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for active military is 28% or $594.
Safe drivers pay cheaper rates
The recommended way to get the most affordable auto insurance rates in Orlando for military personnel is to drive cautiously and avoid accidents and traffic violations. The example below highlights how speeding tickets and at-fault accidents influence insurance costs for different age groups. The prices are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of a car insurance policy in Florida per year with no accidents and a clean driving record is $2,077. Add in two speeding tickets and the average cost jumps to $2,788, an increase of $711 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for active military jumps again to an average of $5,407. That’s an increase of $3,330, or $278 per month, just for not driving carefully!
Tips for buying cheaper insurance for active military
It is possible to find better rates, and here are some thrifty suggestions that can help Orlando drivers buy cheaper coverage.
- Save money by bundling your home and auto policies
- Drop full coverage on older vehicles
- Avoid preventable accidents
- Pay for small claims rather than turning them in to your insurance company
- Get cheaper liability coverage by choosing a safer vehicle
- Violations and traffic tickets increase rates
- Ensure you have the best deal by shopping around regularly
The last suggestion is remarkably valuable, as was discussed in the prior information. Coverage rates adjust frequently, so don’t hesitate to buy from a different company if you find a better deal. Having brand loyalty is commendable, but it’s not a great idea if that devotion results in you overpaying a lot of money every month. In less than five minutes you could compare prices to find cheaper auto insurance for active military in Orlando.
If you wish to get some professional advice when trying to find the best insurance rates for military personnel, the insurance agencies listed below can help you make a decision which insurance coverage you need. To locate an Orlando auto insurance agent using an interactive map, click the button after the list.
Helen Tallon – State Farm Insurance Agent
2813 S Hiawassee Rd #107 – Orlando, FL 32835 – (407) 522-9700
Independent Insurance Agents
845 N Fern Creek Ave – Orlando, FL 32803 – (407) 898-0461
Universal Insurance Agency
1548 S Semoran Blvd – Orlando, FL 32807 – (407) 898-1116
Sikes Insurance Agency Inc
5145 Curry Ford Rd – Orlando, FL 32812 – (407) 282-5145