Cheapest Car Insurance Quotes In Kissimmee, FL For 2024
In Kissimmee, GEICO is recognized as the most affordable choice, offering an average monthly rate of $30.
When looking for budget-friendly car insurance in Kissimmee, Florida, the choices can differ significantly, but one company shines for its competitive pricing: GEICO. On average, locals can obtain car insurance for approximately $30 per month, which is notably less than the state’s average of $227.
For individuals seeking the most affordable liability-only coverage, GEICO stands out as the top choice. On the other hand, those in search of comprehensive protection may find that State Farm provides the best rates for full coverage policies, priced at $130 a month. Additionally, State Farm offers the most economical rates for young drivers, starting at $238 per month.
Cheapest Car Insurance Companies In Kissimmee, FL
Our Methodology
With over 15 years of experience as a licensed insurance agent, I have meticulously analyzed various aspects including customer service ratings, product offerings, pricing, and assessments from multiple online review platforms to provide a comprehensive overview of car insurance providers in Kissimmee, FL. This informed perspective is shaped by countless interactions with representatives from different companies and firsthand experiences within the industry.
Quotes Analyzed
Years Of Industry Experience
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Research Hours
How Much Is Car Insurance In Kissimmee, FL?
In Kissimmee, FL, GEICO provides the most affordable car insurance, with coverage available for $220 per month. Comparatively, its rates are notably lower than the average rates across the State of Florida and the entire United States, as illustrated in the table below:
| Area | Average Monthly Rate |
| National | $152 |
| Florida | $227 |
| Kissimmee, FL | $220 |
It’s important to consider that the average national cost of car insurance encompasses a wide range of states, including high-cost regions like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates can fluctuate based on various factors, including vehicle type, coverage amount, zip code, driving history, and more. Therefore, actual insurance rates may vary significantly depending on your specific location and circumstances.
Cheapest Car Insurance Rates In Kissimmee For Teenagers
In Kissimmee, teenage drivers can discover the most affordable quotes from Mercury, with average monthly premiums standing at $150.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $150 | $1,798 |
| 21st Century | $387 | $4,642 |
| Liberty Mutual | $327 | $3,921 |
| Direct Auto | $380 | $4,591 |
| State Farm | $380 | $4,591 |
Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience on the road. Insurance providers view these young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.
Cheapest Car Insurance Rates In Kissimmee For Full Coverage
In Kissimmee, State Farm offers the most affordable car insurance rates for full coverage, with average quotes totaling $130 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $210 | $2,520 |
| State Farm | $130 | $1,141 |
| Mercury | $190 | $2,278 |
| Allstate | $233 | $2,800 |
| GEICO | $145 | $1,738 |
Full coverage car insurance offers comprehensive protection that extends beyond the basic coverage required by law. It usually combines comprehensive and collision coverages.
Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of who is at fault.
Cheapest Car Insurance Rates In Kissimmee For Minimum Coverage
In Kissimmee, GEICO stands out as the most economical car insurance company for minimum coverage, with an average monthly cost of $30.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $30 | $358 |
| Progressive | $120 | $1,438 |
| Mercury | $80 | $958 |
| State Farm | $78 | $934 |
| Nationwide | $76 | $910 |
A minimum car insurance policy should include at least the following components:
- $10,000; Bodily injury coverage per person
- $10,000; Bodily injury coverage per accident
- $10,000; Property damage per accident
Maintaining minimum car insurance offers a degree of protection while driving, yet it lacks collision or comprehensive coverage. Consequently, damages to your vehicle resulting from accidents, theft, or natural disasters remain uncovered.
Additionally, driving uninsured is illegal in Florida. Failure to provide proof of insurance during a traffic stop can lead to penalties, including fines, license suspension, or more severe consequences.
Cheapest Car Insurance Rates In Kissimmee For Young Adults
In Kissimmee, State Farm provides the most affordable quotes for young adults, averaging around $238 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $238 | $2,876 |
| GEICO | $282 | $3,384 |
| Farmers | $511 | $6,130 |
| Allstate | $376 | $4,510 |
| Allstate | $323 | $3,874 |
In Kissimmee, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risk-taking behaviors as drivers mature.
Statistically, young adults are less prone to filing claims with insurance companies, indicating a reduction in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Kissimmee For Seniors
In Kissimmee, State Farm offers the most budget-friendly car insurance quotes for seniors, with an average of $55 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $55 | $658 |
| GEICO | $63 | $754 |
| Progressive | $170 | $2,038 |
| Mercury | $162 | $1,932 |
| Allstate | $112 | $1,342 |
In Florida, numerous seniors may discover favorable car insurance rates, influenced by a variety of advantageous factors. While age often plays a role in determining insurance rates, with older individuals sometimes presumed to have diminished driving abilities, this stereotype doesn’t apply universally.
Cheapest Car Insurance Rates In Kissimmee For Good Drivers
In Kissimmee, good drivers can secure the most affordable car insurance quotes from GEICO, typically priced at around $30 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $30 | $358 |
| Progressive | $120 | $1,438 |
| Mercury | $80 | $958 |
| State Farm | $78 | $934 |
| Nationwide | $76 | $910 |
In Kissimmee, drivers with clean driving records usually benefit from lower car insurance rates because they are considered lower risk. Insurance companies utilize driving records to assess a person’s driving safety. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to make a claim.
Since insurers determine their rates based on the probability of a driver filing a claim, a flawless driving record can result in substantial savings on premiums. It boils down to risk assessment – the cleaner the record, the lower the perceived risk, and thus, the lower the insurance cost.
Cheapest Car Insurance Rates In Kissimmee For Drivers With Prior Incidents
In Kissimmee, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, frequently encounter challenges in securing affordable car insurance. These driving infractions prompt insurance companies to classify them as high-risk, indicating a higher likelihood of filing future insurance claims.
As a result, insurance providers raise their rates for these individuals to offset the risk of facing higher claim payouts.
Cheapest Car Insurance Rates In Kissimmee For Drivers With A Speeding Ticket
State Farm offers notably affordable rates compared to other companies, with average monthly rates of $176.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $176 | $2,099 |
| Travelers | $241 | $2,842 |
| Geico | $320 | $3,894 |
| Allstate | $329 | $4,012 |
| Progressive | $368 | $4,477 |
Cheapest Car Insurance Rates In Kissimmee For Drivers With An At-Fault Accident
For drivers with an at-fault incident, State Farm provides the most affordable car insurance quotes, averaging around $193 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $193 | $2,375 |
| Travelers | $259 | $3,218 |
| Geico | $265 | $3,242 |
| Progressive | $400 | $4,897 |
| Allstate | $555 | $6,717 |
Cheapest Car Insurance Rates In Kissimmee For Drivers After A DUI
State Farm stands out as the company offering the most affordable rates for drivers after a DUI in Kissimmee, with average monthly premiums of $188.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $188 | $2,319 |
| Travelers | $269 | $3,286 |
| Progressive | $319 | $3,623 |
| Geico | $337 | $4,042 |
| Allstate | $407 | $5,059 |
Best Car Insurance Companies In Kissimmee
For drivers in Kissimmee, selecting the right car insurance company involves not only finding affordable rates but also ensuring reliable protection on the road. Below are the top 10 car insurance companies in Kissimmee, FL, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Mercury | $227 |
| Liberty Mutual | $338 |
| Direct Auto | $182 |
| Direct General | $209 |
| Mercury | $289 |
| Allied | $220 |
| Allstate | $230 |
| State Farm | $148 |
| 21st Century | $247 |
| Nationwide | $215 |
Average Car Insurance Rates By Age In Kissimmee
| Age | Average Yearly Rate |
| Teenagers | $6,483 |
| 20s | $2,971 |
| 30s | $2,263 |
| 40s | $2,191 |
| 50s | $2,047 |
| 60s | $2,073 |
| 70s | $2,540 |
Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teens and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. As drivers hit the age of 25, their rates generally begin to decline, assuming they maintain a clean driving record.
The most advantageous insurance rates are frequently available for drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thereby adjusting the cost of premiums accordingly.
Average Car Insurance Rates By Vehicle Type In Kissimmee
| Vehicle | Average Monthly Rate |
| Toyota Camry | $635 |
| Lincoln MKX | $138 |
| Chrysler Town & Country | $115 |
| Lexus GS | $545 |
| Nissan Maxima | $580 |
How Much Is Car Insurance For Other Cities In Florida?
| City | Average Monthly Rate |
| Sunrise | $347 |
| Lake City | $200 |
| Plantation | $360 |
| Hallandale Beach | $310 |
| Daytona Beach | $181 |
| Gainesville | $176 |
| Apopka | $215 |
| Pinellas Park | $223 |
| Fort Myers | $194 |
| West Palm Beach | $280 |
The city where you live has a substantial impact on your car insurance rates. Insurance companies evaluate several factors related to your location, including the probability of accidents, vehicle theft, and vandalism rates, which are usually higher in urban areas. This heightened risk often results in higher premiums.
FAQs
Who has the lowest car insurance rates in Kissimmee?
In Kissimmee, GEICO provides the lowest car insurance rates for the minimum coverage required by the State of Florida, while State Farm offers the most affordable rates for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Kissimmee?
The average cost of car insurance in Kissimmee is approximately $220 per month. However, rates may vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant details.
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