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Cheapest Car Insurance Rates in Orlando, florida

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Driving Conditions in Orlando, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

114Rainy Days a Year
52 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Orlando, florida Car Insurance Rates by Provider

White Chip Insurance has relationships with a variety of insurance providers, such as, Geico, Progressive, State Farm, Allstate, and USAA. It is important that you, the car owner, to compare rates and coverage options to ensure you are recieving the best policy possible. White Chip will utilize these relationships to make sure you find the best policies available in Orlando.

ProviderAverage Annual Rate
State Farm$1,647

Orlando, florida Car Insurance Rates by Age

Depending on the age of the driver, car insurance rates in Orlando can vary. On average, insurance companies require younger drivers to pay higher rates than older drivers due to age being considered a risk factor when qualifying insurance rates. White Chip Insurance is committed to providing cheap car insurance rates to all drivers, despite their age.

AgeAverage Annual Rate

Orlando, florida Car Insurance Rates by Gender and Marital Status

Most states have laws prohibiting insurance companies from using gender as a basis for determining rates. Most likely, you will not find gender bias in car insurance quotes in Orlando, FL. Although, you will typically find higher insurance rates for female drivers in Orlando. Married couples often have lower car insurance rates than single drivers because it is assumed that married drivers will take less risks behind the wheel than single drivers. In Orlando, FL, divorced or widowed drivers will usually find an increase in their insurance rates than single or married drivers. White Chip Insurance is determined to find you cheap car insurance in Orlando.

Gender and Marital StatusAverage Annual Rate

Orlando, florida Car Insurance Rates by Driving Record

Driving records hold weight in the process of determining insurance rates for most insurance companies. While a faulty driving record can cause prices to spike, drivers with a clean driving record are more likely to receive discounts on their insurance. On average, Orlando, Florida offers a rate of $1,200 for clean driving records, but the rate for faulty driving records run around $1,850. No matter what your driving record is, White Chip Insurance will ensure you receive affordable car insurance in Orlando.

Driving RecordAverage Annual Rate
Reckless Driving$3,511
At-fault Accident (damages less than $1,000)$3,197
At-fault Accident (damages greater than $2,000)$3,197
Speeding Ticket (16-20mph over speed limit)$2,883

Orlando, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Orlando, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$4,580
580 - 669$2,829
670 - 739$2,301
740 - 799$2,086
800 - 850$1,845

Cheapest Area Codes in Orlando, florida

Orlando, Florida car insurance rates can be more expensive if the incurance company is in close proximity with more affluent ammenities, such as, top-tier education and elite job opportunities. Safe neighborhoods and and high quality schools are additional factors that can affect insurance premiums. The most expensive zip code in Orlando, Florida is 32766, with an average home value of $621,000. The least expensive zip code in Orlando, Florida is 32147, with an average home value of $386,000.

Most Expensive Orlando, florida ZIP Codes

32792, 32836, 32789, 32801, 32826

Least Expensive Orlando, florida ZIP Codes

32809, 32839, 32811, 32805, 32808

Local Amenities in Orlando, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Orlando, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost of car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $1,939 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Miami is $3,075.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, such as hurricanes and floods, as well as a high rate of car theft. Also, Florida is a no-fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. This leads to an increase in the cost of insurance in Florida.

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Find the Cheapest Car Insurance Rates