Finding the Cheapest Auto Insurance in Orlando, Florida

Auto Insurance in Orlando, Florida


With Florida being in the top five most expensive states in the U.S. to get auto insurance it can be frustrating to get such expensive quotes. Yet, what if you could take charge of the process to ensure that you get the best possible car insurance price available? In Orlando, Florida one of the largest cities in the state it can be possible to get cheap auto insurance if you follow some sound advice. Find out how to lower your premiums and get the cheapest quote for your situation below.

Ways to Lower Your Premium

Ensuring you get the cheapest quote possible does not start by using an online comparison quoting tool for insurance. In fact, that should be one of your last steps in the process. First you need to find out if you can lower your premiums by comparing your own situation to the known variables in insurance pricing to see if there are areas where you can save money.

Standard Variables

Most auto insurers use a standard set of variables when building their premiums. These premiums are built around a number of variables based on the history that these variables show concerning the risk associated with certain behaviors and drivers. For example, young male teenage drivers tend to be the most accident-prone and therefore typically have higher insurance premiums. These variables are generally not variables you can change, but being aware of them is important. They include:

  • Age
  • Gender
  • Location: State
  • Marital Status
  • Weather Patterns
  • Congestion
  • Crime Rates

These are all compiled into an algorithm that is different for every insurer and help them to determine their risk in insuring a certain demographic.

Variable Factors

Then there are variable factors that you can control. These factors often provide a great way for you to manage your overall insurance costs over the long term. These factors include:

  • Location: neighborhood
  • Vehicle type
  • Weather patterns
  • Credit Score
  • GPA
  • Driving Record
  • Profession
  • Affinity Discounts

If you find out that a Ford Pickup or a Honda Civic are the most stolen vehicles in Florida, it would be wise to stay away from these specific models as their insurance rates will be higher. Also, if you could save 5-15% on a vehicle because it has advanced safety features including forward collision warning, lane departure warning and automatic braking, it would be wise to choose these vehicles.

There are many ways to ensure you are getting the lowest price by getting all the possible discounts you can including Affinity programs, good grade and credit discounts and even bundling your insurance needs together at the same provider. Check all these items before getting your next quote.

The Cheapest Auto Insurance in Orlando

The average auto insurance in Orlando, Florida is $1,417, which is considerably more expensive than the national and state averages. However, according to ValuePenguin, the Florida Farm Bureau, GEICO and Travelers all offer considerably lower rates at $430, $732 and $820 respectively. Over 10 years, the savings between the average and the least expensive is almost $10,000. Simply by getting a comparison quote and managing your circumstances to fit within this demographic you could save almost $1,000 every single year.

As every insurer targets slightly different demographics for their cheapest rates of auto insurance you need to get quotes from as many as you possibly can to find the one that is the cheapest for you. For example, consider the largest insurers in the nation, as their volumes can often offer competitive rates. The three largest auto insurers in the U.S. are State Farm, GEICO and Allstate insurance companies.

Auto Insurance in Orlando


You might also want to consider companies that have high customer satisfaction ratings alongside your consideration of price. A low-ball price without commensurate service satisfaction may be the difference between a quick and painless claims process and being denied. J.D. Power’s Claim Satisfaction, Auto Insurance and Insurance Shopping studies are a great place to find out which companies are providing superior service.

Top Customer Satisfaction in the U.S.

  • Erie Insurance
  • Ameriprise
  • The Harford

Top Auto Claims Satisfaction in the U.S.

  • Auto-Owners Insurance
  • Amica Mutual

Florida’s Top Customer Satisfaction Ranking

  • Progressive
  • Allstate

Although all these insurers may not be available in Orlando, these studies provide another way to ensure the cheapest insurance quote you are getting, is not from the worst provider for customer service. As an example, GEICO and Travelers are both listed as the cheapest providers in Orlando, yet GEICO has a 5 Circle rating from J.D. Power, while Travelers has only a 2 Circle rating. 5 Circles represents ‘Among the Best’ while only 2 Circles represents “The Rest,” according to J.D. Power’s studies.

There are literally hundreds of little factors and variables that go into getting an auto insurance quote. If you do not provide all information during the quoting process, or ask for discounts, you will not get the best possible price. Be sure to use an online quoting tool that offers a comprehensive quoting tool across multiple companies to get the best possible insurance price in Orlando, Florida.

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