One of the more important factors that are looked at to determine the annual cost of car insurance is where you choose to live in Orlando. Larger areas tend to have higher rates, whereas more rural areas receive better rates.
The following table shows the highest-priced places in Florida for high risk drivers to buy an auto insurance policy in. Orlando ranks #18 with a yearly premium of $2,029 for car insurance, which is approximately $169 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,145 |
| 4 | Miami Beach | $3,043 |
| 5 | West Palm Beach | $2,625 |
| 6 | Miramar | $2,603 |
| 7 | Fort Lauderdale | $2,550 |
| 8 | Davie | $2,548 |
| 9 | Pompano Beach | $2,543 |
| 10 | Tampa | $2,532 |
| 11 | Hollywood | $2,526 |
| 12 | Coral Springs | $2,474 |
| 13 | Pembroke Pines | $2,431 |
| 14 | Brandon | $2,322 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,238 |
| 17 | Spring Hill | $2,039 |
| 18 | Orlando | $2,029 |
| 19 | Jacksonville | $1,980 |
| 20 | Port St. Lucie | $1,916 |
| 21 | Lakeland | $1,845 |
| 22 | Cape Coral | $1,841 |
| 23 | Tallahassee | $1,801 |
| 24 | Palm Bay | $1,786 |
| 25 | Gainesville | $1,646 |
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Information shown are approximated as specific Orlando zip code can influence price quotes noticeably.
Finding cost effective insurance is not the easiest thing to accomplish, and determining which company quotes the most affordable insurance rates for high risk drivers will involve more quotes for comparison.
Each auto insurance company has a different process for establishing rates, so first we will examine the lowest cost insurance companies in Orlando.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $986 |
| 2 | Electric | $1,712 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,829 |
| 5 | Allied | $1,926 |
| 6 | Travelers | $1,926 |
| 7 | Mercury | $1,992 |
| 8 | State Farm | $2,047 |
| 9 | Esurance | $2,102 |
| 10 | Auto-Owners | $2,107 |
| 11 | GEICO | $2,108 |
| 12 | 21st Century | $2,373 |
| 13 | Allstate | $2,411 |
| 14 | Windhaven Insurance | $2,549 |
| 15 | MetLife | $2,900 |
| 16 | Safeco | $2,927 |
| 17 | Liberty Mutual | $3,039 |
| 18 | Hanover | $3,054 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $3,942 |
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USAA offers some of the most affordable car insurance rates in Orlando at around $986 annually. Electric, Amica, Progressive, and Allied also make the cut as some of the more affordable Orlando, FL auto insurance companies.
In this example, if you currently have coverage with Progressive and switched to USAA, you might achieve an annual premium reduction of around $843. Policyholders with Allied may save as much as $940 a year, and Travelers customers might reduce prices by as much as $940 a year.
To see if you’re overpaying, click here to get quotes or quote rates from the companies below.
These policy prices are averages across all types of insureds and vehicles and do not take into consideration a vehicle location for high risk drivers. So the company that is best suited for you may not even be in the top 21 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own driver and vehicle profiles.
The vehicle model to be insured is one of the largest factors when quoting the cheapest coverage for high risk drivers. Vehicles with lower performance, good safety features, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models. The table below illustrates coverage premiums for a selection of the most cost-effective vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $4,257 |
| Ford Escape XLT 2WD | $4,432 |
| Hyundai Elantra SE Touring Station Wagon | $4,718 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $4,763 |
| Toyota Prius | $4,775 |
| Ford F-150 XL Super Cab 4WD | $4,812 |
| Ford Explorer XLT AWD | $4,822 |
| Toyota Tacoma 2WD | $4,992 |
| Volkswagen Jetta SE 2.5 Station Wagon | $5,002 |
| Chevrolet Impala LT | $5,041 |
| Dodge Grand Caravan SXT | $5,088 |
| Ford Edge SEL 2WD | $5,142 |
| Toyota RAV4 2WD | $5,196 |
| Chevrolet Equinox LT AWD | $5,202 |
| Ford Fusion S 4-Dr Sedan | $5,196 |
| Ford Focus SEL 4-Dr Sedan | $5,221 |
| Jeep Grand Cherokee Laredo 4WD | $5,245 |
| Chevrolet Malibu LS | $5,251 |
| Dodge Ram Quad Cab ST 2WD | $5,250 |
| Honda Odyssey EX-L | $5,270 |
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Price data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in garaging location in Orlando, FL which can change coverage rates noticeably.
Based upon the table data, we can assume that cars like the Honda CR-V, Ford Escape, Hyundai Elantra, and Jeep Wrangler should be the more affordable vehicles to insure for high risk drivers. Auto insurance rates will tend to be more expensive anyway just due to the fact that there is more inherent risk for high risk drivers, but in general those specific models will have the cheapest rates that you are likely to find.
Discounts on Orlando auto insurance
Insurers that offer coverage for high risk drivers may also offer discounts that can lower rates by 25% or more if you are eligible. Larger insurance companies and a summarized list of policyholder discounts are included below.
- Mercury Insurance has discounts for professional/association, type of vehicle, good student, accident-free, age of vehicle, multi-policy, and ease of repair.
- Farmers Insurance discounts include teen driver, youthful driver, good student, homeowner, and mature driver.
- Farm Bureau includes discounts for multi-policy, youthful driver, driver training, renewal discount, good student, safe driver, and 55 and retired.
- State Farm may have discounts that include safe vehicle, driver’s education, good student, multiple autos, Steer Clear safe driver discount, and Drive Safe & Save.
- Allstate has savings for 55 and retired, defensive driver, good payer, FullPay discount, premier discount, economy car, and senior citizen.
- GEICO offers discounts including emergency military deployment, defensive driver, air bags, anti-lock brakes, membership and employees, and daytime running lights.
The example below shows the comparison of premium costs with and without discounts being applied to the rates. The prices are based on a male driver, one citation and two at-fault accidents, Florida state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paid-in-full, anti-theft, paperless filing, passive restraint, multiple vehicle, and multiple policy discounts applied. When these discounts are applied, theamount saved on insurance for high risk drivers is 29% or $1,871.
How careless driving impacts insurance rates
The obvious way to get affordable insurance rates in Florida for high risk drivers is to drive attentively and avoid accidents and traffic citations. The information below highlights how speeding tickets and at-fault fender-benders can impact yearly insurance costs for different age groups. The prices are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.
In the chart above, the average cost of auto insurance in Orlando per year with no accidents or violations is $2,291. Add in two speeding tickets and the average cost hikes up to $3,084, an increase of $793 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for high risk drivers goes up to an average of $5,877. That’s an increase of $3,586, or $299 per month, just for not being more responsible behind the wheel!
The importance of shopping around
Orlando insurance rates are influenced by many factors which can significantly increase or decrease your annual premium. Getting older, buying a home instead of renting, or getting a few speeding tickets may cause policy rate changes that may make certain companies affordable when they were higher priced. In addition to those changes, companies change their prices as often as every three months as an adjustment for underwriting gains or losses. Larger than normal claims may cause increased policy costs, while lower claim levels can result in cheaper Orlando car insurance rates.
For example, the bar chart below shows the cheapest car insurance in Orlando, FL for a 30-year-old male driver with a clear driving record, no claims, and a decent credit rating. If we estimate prices based on his current rating profile, USAA might offer the cheapest car insurance rates in Orlando at $1,215 each year. This is $1,233 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also on the list of the cheapest Orlando, FL auto insurance companies.
The example below compares rates after we give the driver in the first chart a claim, less-than-perfect credit, and a traffic citation. Since each company has a different process to determine rates, analyzing rates could result in a significantly different list of the cheapest companies as shown below.
USAA now has the best auto insurance rate in Orlando with Mercury, Esurance, State Farm, and GEICO now rounding out the top five. This example proves why it is crucial to compare lots of rates to get the most economical insurance quotes for high risk drivers.
Car insurance prices are impacted by many different factors and change substantially, so the cheapest company a year ago may now be one of the more expensive options.
If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when buying car insurance for high risk drivers, the agencies below can aid you in deciding which coverages you need. To find an Orlando insurance agency using an interactive map, click the button following the list.
- J Short Insurance Agency
2901 Curry Ford Rd #212 – Orlando, FL 32806 – (407) 849-9000 - Gingerbread Insurance Agency
8000 S Orange Ave #201 – Orlando, FL 32809 – (407) 309-9949 - R J Allen – State Farm Insurance Agent
8255 Lee Vista Blvd C – Orlando, FL 32829 – (407) 823-7900 - Chris Vella – State Farm Insurance Agent
992 N Semoran Blvd – Orlando, FL 32807 – (407) 898-8836
More insurance agents in Orlando, FL
How to find more affordable car insurance for high risk drivers
Here are some of the recommended money-saving solutions that can help you quote cheaper auto insurance.
- Do not get traffic tickets
- Home or renters coverage can save on auto insurance
- Avoid preventable accidents
- The safer your car, the less it costs to insure
- Pay for smaller claims out-of-pocket
- Shop around for cheaper rates regularly
That last idea is remarkably critical, as we noted in this write-up. Coverage rates vary considerably, so don’t hesitate to buy from a new company if you can find a cheaper rate.
Having a favorite company is fine, but it’s not a good idea if that devotion results in you overpaying lots of hard earned cash every month. If you have a few minutes, compare rates and find cheaper insurance for high risk drivers in Orlando.