It’s hard to avoid all the commercials from car insurance companies like GEICO, Progressive, and Allstate claiming dirt cheap rates, so you should just pick the company with the cutest commercial, right?
Unfortunately, it’s not that simple as there are a whole slew of unknown factors such as your annual mileage driven, when you were born, the vehicle you drive, and if you own or rent your home, that help determine the price you have to pay. This article will cover the best ways to avoid paying too much and educate you enough to have a good beginning to your quest for cheaper car insurance.
Figuring out which company has the most affordable auto insurance rates for high mileage drivers will take more work than just comparing a company or two. Every auto insurer uses a slightly different approach to set their prices, so to begin we’ll rank the most budget-friendly auto insurance companies in Orlando.
It’s a good idea to be aware that Orlando, FL auto insurance rates are based on many factors which can substantially decrease or increase the policy price. Improving your credit score, becoming a homeowner, or getting a few speeding tickets can produce rate changes resulting in some companies being much cheaper than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Amica | $1,712 |
| 3 | Electric | $1,746 |
| 4 | Progressive | $1,829 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,914 |
| 7 | Allied | $1,985 |
| 8 | GEICO | $2,086 |
| 9 | Esurance | $2,102 |
| 10 | State Farm | $2,110 |
| 11 | Auto-Owners | $2,171 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | MetLife | $2,870 |
| 16 | Safeco | $2,898 |
| 17 | Hanover | $2,934 |
| 18 | Liberty Mutual | $3,009 |
| 19 | United Automobile | $3,527 |
| 20 | Infinity | $4,045 |
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USAA may offer some of the lowest car insurance rates in Orlando at around $948 a year. Amica, Electric, Progressive, and Travelers also qualify as some of the most economical Orlando, FL insurance companies.
As depicted above, if you are insured with Progressive and switched to Amica, you may realize a yearly savings of roughly $117. Customers with Travelers could save as much as $176 a year, and Mercury insureds might realize rate reductions of up to $202 a year.
To compare your rates to other Florida insurance companies, click here to begin a quote or visit several of the following companies.
These premium estimates are averaged for all drivers and vehicles in Florida and do not take into consideration an exact vehicle garaging location for high mileage drivers. So the insurer that can offer you the best rate may not even be in the top 21 companies shown above. That illustrates why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
One of the more important considerations that are looked at to help calculate the amount you pay each year for auto insurance is where your residence is. Larger areas will most likely pay more, whereas less populated areas can boast about having cheaper rates.
The information below sorts the most expensive places in Florida for high mileage drivers to buy car insurance in. Orlando is ranked at #18 with a yearly premium of $2,029 for coverage, which is approximately $169 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hialeah | $3,595 |
| 2 | Miami | $3,241 |
| 3 | Miami Gardens | $3,181 |
| 4 | Miami Beach | $3,013 |
| 5 | Miramar | $2,709 |
| 6 | Tampa | $2,636 |
| 7 | Hollywood | $2,604 |
| 8 | West Palm Beach | $2,599 |
| 9 | Pompano Beach | $2,595 |
| 10 | Fort Lauderdale | $2,576 |
| 11 | Coral Springs | $2,549 |
| 12 | Pembroke Pines | $2,481 |
| 13 | Davie | $2,473 |
| 14 | Brandon | $2,392 |
| 15 | St. Petersburg | $2,196 |
| 16 | Clearwater | $2,172 |
| 17 | Spring Hill | $2,102 |
| 18 | Orlando | $2,029 |
| 19 | Jacksonville | $1,980 |
| 20 | Port St. Lucie | $1,975 |
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Table data uses comparative as zip code location can change premiums greatly.
Driving violations and accidents
The obvious way to score affordable auto insurance rates for high mileage drivers is to be a cautious driver and avoid accidents and violations. The information below demonstrates how traffic citations and at-fault accidents drive up auto insurance rates for different age categories. The costs are based on a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of car insurance per year with a clean driving record and no accidents is $2,241. Receive one speeding ticket and the average cost rises to $2,613, an increase of $372 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for high mileage drivers goes up to an average of $5,847. That’s an increase of $3,606, or $300 per month, just for being a less-than-perfect driver!
Insuring your vehicle with the highest-rated insurance provider can be rather challenging considering how many companies provide coverage in Orlando. The information in the lists below can help you pick which auto insurance companies to look at buying from.
The rankings below include companies that insure vehicles across America, so companies that may only write in Florida are not included in the list. To check prices from these and other companies in Florida, click here.
Top 10 Major Auto Insurance Providers in Orlando Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Major Auto Insurance Providers in Orlando Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Compare rates to save
Florida auto insurance rates are based on many factors that can increase the price of your policy. Simply turning a year older, buying a home, or getting a couple of tickets can produce rate changes resulting in some companies being affordable when they were higher priced.
Additionally, insurance companies change rates without warning to reflect underwriting profits or losses. Larger than normal claims may result in higher priced premiums, while a profitable period may result in lower-priced Orlando car insurance rates.
To illustrate this example, the graph below shows the cheapest car insurance in Orlando, FL for a 40-year-old female driver with no accidents, a clean driving record, and good credit. If we compare prices based on her personal profile, USAA quotes the best car insurance rates in Orlando at $1,203 a year. This is $1,245 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the rest of the cheapest Orlando, FL auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates a chargeable accident, less-than-perfect credit, and a speeding citation. Due to the fact that every insurance company has their own unique process to set premium rates, analyzing rates may now present a significantly different list of affordable Orlando car insurance companies as shown below.
USAA now has the cheapest auto insurance in Orlando with Allied, State Farm, Esurance, and GEICO now being in the top five. This demonstrates why it is critical to spend some time comparing rates to find affordable auto insurance quotes for high mileage drivers. Prices can be determined by many factors and can change substantially, so the cheapest option a year ago may now be quite expensive.
Ideas for finding economical insurance for high mileage drivers
The list below details many money-saving ideas that can help drivers get low-cost auto insurance.
- Violations like speeding or DUI increase rates
- Vehicles with good safety ratings have lower liability rates
- Higher credit ratings may save you money
- Increase the comprehensive and collision deductibles on your policy
- Assess whether full coverage is needed
- At-fault accidents will increase rates
- Compare price quotes at least once a year
The last item on the list is remarkably critical, as was discussed in this write-up. Auto insurance rates change constantly, so don’t be tentative to switch carriers if you find a better deal. Sticking with a specific company is fine, but we do not recommend it if that inflexibility results in costing you major coinage every year. In just a few minutes you could shop around and find cheaper car insurance for high mileage drivers in Orlando.
If you aren’t sure which coverage you need and prefer to get some professional advice when comparing insurance rates for high mileage drivers, the agents below are willing to answer your questions and help you decide which coverage fits your budget. To find an Orlando insurance agency nearest to you, click the button link following the list or click here to compare rates now.
- Talmadge Commercial Insurance Agency
111 W Jefferson St – Orlando, FL 32801 – (407) 701-6321 - Rick Fowler – State Farm Insurance Agent
2700 Corrine Dr – Orlando, FL 32803 – (407) 897-8100 - Rocco English – State Farm Insurance Agent
7536 Dr Phillips Blvd #320 – Orlando, FL 32819 – (407) 351-5353