Cheapest Sports Cars To Insure
The Mazda MX-5 Miata takes the top ranking for the lowest-cost sports car to insure in Orlando, followed closely by the Ford Mustang, BMW Z4, Subaru WRX, and Toyota GR86. The 2022 model costs an average of $1,918 per year for full-coverage insurance.
Not the cheapest in the list, but still ranking well, are cars like the Toyota GR Supra, Audi TT, Subaru BRZ, and BMW M3, with average rates of $2,866 per year or less.
On a monthly basis, full-coverage car insurance in Orlando on this segment for a safe driver starts at an average of $160 per month, depending on your location.
The next table ranks the sports cars with the most affordable insurance rates in Orlando, starting with the Mazda MX-5 Miata at $1,918 per year and ending with the Lexus LC 500 at $3,648 per year.
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Table Data Details:
Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the table and click the orange GO button to get free car insurance quotes from top-rated companies in Orlando.
How Much Does Car Insurance In Orlando Cost
- Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if youâre in a collision
- Comprehensive insurance covers repairs to your car caused by something other than a collision
- Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
Shopping For Car Insurance In Orlando Fl
It’s never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Orlando, Florida. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you’ve done the research, comparison shopped the rates you found, and figured out your discounts, you’re now ready to buy the best and cheapest car insurance in Orlando, FL. If you’re looking for coverage after a DUI conviction then take a look at Florida SR22 insurance.
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Minimum Car Insurance Requirements In Florida
Floridians must carry property damage liability and personal injury protection in the following amounts:
$10,000 property damage liability per accident.
$10,000 personal injury protection.
In case youre at fault in a crash, the Florida Financial Responsibility Law also requires you to be able to pay up to:
$10,000 in bodily injury liability per person.
$20,000 in bodily injury liability per accident.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policys predefined limits.
Personal injury protection will cover your medical bills and expenses if youre injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:
Lost wages if youre unable to work due to injuries from an accident.
Services you can no longer perform, like house cleaning or child care, because of your injuries.
Funeral costs if an accident-related injury leads to death.
A small death benefit as a cash payout.
Experts recommend buying more than the bare minimum when it comes to all parts of your auto liability insurance. You might want added protection from optional coverages such as collision, comprehensive and uninsured motorist insurance.
Check out NerdWallets guide to car insurance requirements by state for more details on coverage you might want on your Florida auto policy.
Cheapest Luxury Car Insurance Rates In Orlando
Ranking highest for the lowest-cost Orlando auto insurance rates in the luxury car segment are the BMW 330i, Acura ILX, Acura TLX, Mercedes-Benz A220, and Volvo S60. Auto insurance prices for these models average $2,374 or less per year.
Other luxury cars that are affordable to insure are the BMW 230i, BMW 228i, Alfa Romeo Giulia, and BMW 330e, with average cost of $2,454 per year or less.
Car insurance for this segment in Orlando for an average middle-age driver starts at an average of $170 per month, depending on the company and where you live.
The cheapest small luxury car to insure in Orlando is the Mercedes-Benz A220 at $2,174 per year. For midsize 2022 models, the Acura ILX is the cheapest model to insure at $2,036 per year. And for full-size luxury cars, the Audi A5 is most affordable to insure at $2,598 per year.
The table below ranks the cars with the most affordable insurance rates in Orlando, starting with the Acura ILX at $170 per month and ending with the Audi S3 at $214 per month.
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Table Data Details:
See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.
Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange GO button to get free Orlando car insurance quotes from top auto insurance companies in Florida.
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Cheapest Car Insurance For Young Drivers In Orlando
Young drivers cost more to insure since they tend to be involved in more accidents compared to older drivers. The average rate for a full-coverage policy for a young driver in Orlando is 2.8 times the average rate for an older driver. The cheapest full coverage car insurance for a young driver in Orlando is offered by Geico for $3,828 per year.
Things To Do In Orlando And Central Florida
When it comes to tourist attractions, Orlando is probably best-known for being the home of many famous theme parks. However, there are plenty of other things to do in the city. You can check out more than 400 animals at the Central Florida Zoo and Botanical Gardens in nearby Sanford. The Orlando Museum of Art located at 2416 North Mills Avenue displays visual art collected from all over the world. If you’re in the mood for some shopping, The Florida Mall is the biggest mall in Orlando. At more than 1.8 million square feet, it’s one of the largest single-story malls in the country.
Orlando boasts more than 50 golf courses in the area, including the famous Bay Hill Club and Lodge. During basketball season, you can catch the home team playing at the Amway Center.
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Minimum Car Insurance Requirements In Orlando
As a general rule, we recommend getting more than the minimum so you can get the right level of insurance coverage. However, you may not know how much insurance you really need until you fully understand the minimum car insurance requirements.
Florida car insurance minimum requirements are as follows:
- Property damage liability coverage: $10,000
- Personal Injury Protection: $10,000
Cheapest Minimum Coverage Car Insurance In Florida For 50
Drivers in Florida who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
Geico: $674 per year, or about $56 per month.
State Farm: $757 per year, or about $63 per month.
Allstate: $906 per year, or about $76 per month.
MetLife: $1,039 per year, or about $87 per month.
Direct Auto: $1,167 per year, or about $97 per month.
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More Coverage May Be Necessary So Here Is What You Might Want To Feel Fully Covered:
- Collision coverage which will pay for you and your own car in an accident. Even though Florida is a no-fault state, there may still be damages or medical expenses that need to be covered.
- Comprehensive coverage will cover things such as theft and smaller damages not incurred in an accident.
- Medical coverage for you and your passengers- Medical coverage can make a huge difference for your security and safety.
- Towing and roadside assistance- You may not only need this for a crash, but if you break down. Roadside assistance can save you time and money.
- Rental reimbursement- You could be covered or reimbursed for a rental car when you are involved in a crash.
- Uninsured Motorist coverage- this will make sure that you are still covered even if someone without insurance hits you.
Navigating the tourist traffic can be as hard as navigating the many options for cheap car insurance Orlando has to offer. With a population of 238,000 , Orlando is Floridas largest inland city, and a popular tourist destination due in part to the Walt Disney World Resort and the Universal Orlando Resort. It is also one of the busiest hubs in the U.S. for conferences and conventions. Not only is it a huge tourist draw, but it is also home to over 120 companies, employs more than 8,500 people, and is the hub of the nations military simulation and training programs.
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Ology For Selecting The Cheapest Auto Insurance In Fl
|16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65||45|
|Teenage Driver Included on Policy||No, Yes||No|
|Driving Record||Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident||Clean|
|7,500 Miles, 15,000 Miles, 20,000 Miles||15,000 Miles|
|Sedan, Minivan, SUV, Coupe, Truck||Sedan|
- Minimum Coverage: Coverage requirements of $10,000 in property damage liability per person and $10,000 in personal injury protection, as required by Florida’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $10,000 of personal injury protection.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible and $10,000 of personal injury protection.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
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The Cost To Insure Orlando Drivers Favorite Vehicles
The previous car insurance rates in this article consist of an average based on every 2022 vehicle model, which is helpful when making broad comparisons like the average cost difference by driver age or location. Average auto insurance rates are fantastic when trying to find the answer to questions like is car insurance in Orlando cheaper than Jacksonville? or is car insurance in Florida cheaper than California?.
For more comprehensive auto insurance comparisons, however, it makes more sense to compare rates for the exact vehicle being insured. Each individual vehicle model has a unique exposure profile for car insurance rating and this data provides the means to perform insurance cost comparisons.
The next list breaks down average annual and monthly car insurance cost for some of the more popular models on the streets and highways of Orlando. Later on, there is a section that examines the cost of insuring some of these vehicles even more in-depth.
Car insurance cost for popular Orlando vehicles
Why Are You Paying Too Much For Orlando Car Insurance
Orlando insurance rates are determined by lots of factors which can substantially decrease or increase the cost of your policy. Simply having a birthday, filing a claim, or getting a reckless driving citation may generate price changes that can make some companies affordable when they were higher priced.
Not only may things change on your end, but car insurance companies change their prices every year to ensure their profitability. An extended period of higher than normal claims can cause additional premium costs, while a better loss history may result in more affordable Orlando car insurance rates.
To illustrate this example, the data below shows rates for the cheapest car insurance in Orlando, FL for a 30-year-old male driver with no prior accidents, a clean driving record, and excellent credit. When comparing rates based on his personal profile, USAA has the cheapest car insurance rates in Orlando at $1,203 annually. This is $1,245 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also included in the most affordable Orlando, FL auto insurance companies.
In this example, we will give the driver from above a claim or two, poor credit, and a speeding ticket. Because every insurance company has their own process for setting rates, comparing quotes will most likely result in a different list of affordable Orlando car insurance companies as shown below.
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Who Has The Cheapest Car Insurance In Florida
Getting the cheapest car insurance in FL may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance thats affordable, but even more importantly reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.4
Cheapest Car Insurance In Orlando For Drivers With A Dui
A DUI on your record can also significantly increase your rate for a full coverage policy. On average, drivers with a DUI in Orlando pay $879 more per year for a full coverage policy. The cheapest insurer for drivers with a DUI is State Farm, which has an average rate of $2,136 per year for a full coverage policy.
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Cheapest Pickups To Insure In Orlando
Ranking in the top five for the cheapest Orlando car insurance rates in the pickup truck segment are the Chevrolet Colorado, Nissan Frontier, Ford Maverick, Toyota Tacoma, and Ford Ranger. Auto insurance prices for these models average $2,108 or less per year, or around $176 per month.
Other models that rank well include the GMC Canyon, Hyundai Santa Cruz, Jeep Gladiator, and Honda Ridgeline, with average cost of $2,176 per year or less.
From a monthly standpoint, car insurance in this segment starts at around $152 per month, depending on where you live and the company you use. The table below ranks the twenty pickups with the most affordable car insurance in Orlando, starting with the Chevrolet Colorado at $1,822 per year and ending with the GMC Sierra 3500 at $2,602 per year.
For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Dont see your truck in the table above? Thats no problem! Enter your zip code at the bottom of the table above and click the orange GO button to get cheap Orlando car insurance quotes from the best companies in Florida.
What Are The Cheapest Vehicles To Insure In Orlando
The models with the best car insurance quotes in Orlando tend to be crossover SUVs like the Mazda CX-5, Nissan Kicks, and Nissan Rogue Sport.
Average insurance quotes for those compact SUVs cost $1,846 or less per year, or $154 per month, for full coverage.
Some additional vehicles that are highly ranked in our car insurance cost comparison are the Subaru Forester, Buick Envision, Subaru Ascent, and Acura RDX. The average cost is a little bit more for those models than the compact SUVs at the top of the rankings, but they still have average rates of $1,920 or less per year in Orlando.
The following table breaks down the 50 cars, trucks, and SUVs with the cheapest insurance rates in Orlando, ordered by cost.
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Table Data Details:
The above table containing 50 vehicles with the cheapest insurance in Orlando is fine if you just want a vehicle with dirt cheap insurance rates. A better way to group and rank auto insurance rates in a pragmatic manner is to organize them by their automotive segment. The next six sections list the vehicles with the most affordable insurance rates for each of the main automotive segments.
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Cheapest Auto Insurance In Florida For 60
Drivers with poor credit in Florida can look at the following companies with the lowest average rates for full coverage:
State Farm: $3,191 per year, or about $266 per month.
Geico: $3,298 per year, or about $275 per month.
Direct Auto: $3,358 per year, or about $280 per month.
Allstate: $4,544 per year, or about $379 per month.
Progressive: $4,827 per year, or about $402 per month.
Is Car Insurance Expensive In Florida
Yes. On average, Florida is one of the more expensive states especially when it comes to auto insurance. It is ranked as the top state with high rates for car insurance coverage in 2022, a significant bump from third in 2021. According to The Zebra, as of 2022 the average cost of car insurance in Florida is more than 31.6% than the national average, $1,878 per year. Florida car insurance prices have only been going up. Why is Florida car insurance so high? Quant Insites has researched the main causes to help Floridians find lower rates on car insurance quotes.
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Cheapest Full Coverage Car Insurance In Florida For 50
Drivers in Florida with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
State Farm: $1,901 per year, or about $158 per month.
Geico: $1,957 per year, or about $163 per month.
MetLife: $2,537 per year, or about $211 per month.
Allstate: $2,571 per year, or about $214 per month.
Progressive: $3,098 per year, or about $258 per month.