Deciphering which companies offer the lowest-priced auto insurance rates for 4×4 vehicles calls for a little more sweat in order to find the best price. Every auto insurer has a unique formula for determining prices, so let’s look at the rankings for the auto insurance companies with the overall best prices in Orlando, FL.
It’s a good idea to be aware that Orlando auto insurance rates are impacted by many things that will increase or decrease the price you pay. Simply getting older, adding a teenager to your policy, or having an accident may prompt premium changes that can cause some rates to be more affordable than others.
Cheap Insurance Rates for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,746 |
| 3 | Amica | $1,746 |
| 4 | Progressive | $1,775 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,933 |
| 7 | Allied | $2,004 |
| 8 | Esurance | $2,020 |
| 9 | GEICO | $2,086 |
| 10 | State Farm | $2,110 |
| 11 | Auto-Owners | $2,149 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,549 |
| 15 | Safeco | $2,898 |
| 16 | MetLife | $2,900 |
| 17 | Hanover | $2,964 |
| 18 | Liberty Mutual | $3,039 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $4,022 |
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USAA generally has some of the cheapest car insurance rates in Orlando at around $948 each year. This is $1,500 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also qualify as some of the most economical Orlando, FL car insurance companies.
As shown in the rates above, if you currently buy coverage from Progressive and switched to USAA, you might realize savings of roughly $827. Customers with Travelers may save as much as $940 a year, and Mercury customers might realize rate reductions of up to $985 a year.
To discover how much you can save, click here to start your free quote or quote rates from the companies below.
Be aware that those premium estimates are averaged across all types of insureds and vehicles and and are not figured with a vehicle location for 4×4 vehicles. So the company that has the lowest price for you may not even be in the list above. That is why you need to compare rates from multiple companies using your own specific driver and vehicle information.
The vehicle needing coverage is a large factor when shopping for low-cost car insurance for 4×4 vehicles. Vehicles with lots of speed or power, a lack of modern safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.
The next list illustrates auto insurance prices for a selection of the cheapest vehicles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,174 |
| Ford Escape XLS 2WD | $1,283 |
| Ford Edge SE 2WD | $1,286 |
| Ford Explorer XLT 2WD | $1,313 |
| Honda CR-V EX 4WD | $1,322 |
| Ford Focus S 4-Dr Sedan | $1,361 |
| Chevrolet Impala LS | $1,366 |
| Toyota RAV4 2WD | $1,388 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,398 |
| Chevrolet Malibu LT | $1,413 |
| Toyota Prius | $1,427 |
| Honda Accord EX-L 4-Dr Sedan | $1,430 |
| Honda Civic VP 4-Dr Sedan | $1,437 |
| Ford F-150 FX2 Super Cab 2WD | $1,491 |
| Jeep Grand Cherokee Laredo 2WD | $1,520 |
| GMC Sierra SL Extended Cab 2WD | $1,525 |
| Nissan Altima 2.5 4-Dr Sedan | $1,520 |
| Dodge Grand Caravan SXT | $1,552 |
| Chevrolet Equinox LT AWD | $1,564 |
| Kia Optima EX | $1,586 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,588 |
| Honda Odyssey EX-L | $1,603 |
| Toyota Corolla LE | $1,611 |
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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 homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can impact coverage prices substantially.
Looking at the numbers, you can assume that cars like the Hyundai Elantra, Ford Escape, and Ford Edge are likely to be a few of the cheaper vehicles to insure for off-road vehicles.
For off-road vehicles, one of the largest considerations that are looked at to determine the cost of insurance is the neighborhood you call home in Orlando. Cities with larger populations or higher claim trends tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The following table ranks the most expensive cities in Florida for 4×4 vehicles to buy an auto insurance policy in. Orlando is listed at #18 with an annual cost of $2,069 for the average policyholder, which is around $172 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,488 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,181 |
| 4 | Miami Beach | $3,013 |
| 5 | West Palm Beach | $2,705 |
| 6 | Miramar | $2,683 |
| 7 | Tampa | $2,636 |
| 8 | Hollywood | $2,630 |
| 9 | Fort Lauderdale | $2,576 |
| 10 | Coral Springs | $2,549 |
| 11 | Pompano Beach | $2,543 |
| 12 | Davie | $2,523 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,322 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,260 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,069 |
| 19 | Jacksonville | $2,040 |
| 20 | Port St. Lucie | $1,975 |
| 21 | Cape Coral | $1,860 |
| 22 | Lakeland | $1,845 |
| 23 | Palm Bay | $1,786 |
| 24 | Tallahassee | $1,748 |
| 25 | Gainesville | $1,646 |
| Compare Rates Now Go | ||
Table data uses comparative as zip code location can decrease or increase prices noticeably.
Impact of careless driving on Orlando auto insurance rates
The ideal way to find the cheapest auto insurance prices in Orlando for off-road vehicles is to drive safe and avoid tickets and accidents. The diagram below demonstrates how traffic citations and fender-benders can influence insurance rates for different age categories. The rate quotes are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of an auto insurance policy in Florida per year with no accidents or violations is $2,186. Receive one speeding ticket and the average cost surges to $2,463, an increase of $277 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for 4×4 vehicles goes up to an average of $3,237. That’s an increase of $1,051, or $88 per month, just for being a careless driver!
The example below demonstrates how deductible levels can change annual premium costs when getting quotes for cheap insurance for 4×4 vehicles. The price estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.
In the chart above, a 50-year-old driver could lower rates by $462 a year by increasing from a $100 deductible up to a $500 deductible, or save $698 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, could shave up to $1,174 every year just by choosing larger deductibles. When increasing deductibles, it will be required to have enough spare savings to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
How to find economical insurance for 4×4 vehicles
It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help drivers get more affordable coverage.
- Buy a car with high safety ratings
- Prevent rate increases by staying accident-free
- Do not get tickets or violations
- Clean up your credit
- Raise your physical damage coverage deductibles
- Compare rate quotes frequently
The last suggestion is certainly critical, as was noted in the article above. Coverage prices vary considerably, so don’t be hesitant to switch companies 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 thousands of dollars over several years. In less than five minutes you could compare rates and find cheaper auto insurance for 4×4 vehicles in Orlando.
If you like to have a professional recommendation when shopping for the best coverage for 4×4 vehicles, the agents shown below are willing to help you make a decision which coverages and limits you need.
To locate an Orlando auto insurance agent close to where you live, click the button link following the list or click here to compare price quotes now.
- Floridian Insurance Agency
7316 E Colonial Dr – Orlando, FL 32807 – (407) 207-1616 - Caple Howden Insurance Agency
10222 E Colonial Dr – Orlando, FL 32817 – (407) 657-8808 - Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee Rd – Orlando, FL 32818 – (407) 298-9996 - SVF Insurance LLC
1205 N Pine Hills Rd – Orlando, FL 32808 – (407) 447-2204