Best Kissimmee, FL Car Insurance in 2024
Car insurance in Kissimmee, FL averages $397 a month. Kissimmee, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Kissimmee car insurance rates, compare quotes from the top car insurance companies in Kissimmee, FL.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Kissimmee is 34747
- The cheapest car insurance company in Kissimmee is USAA
- Average car insurance rates in Kissimmee, FL after a DUI are $5,729/year
If you need to buy Kissimmee, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Kissimmee, FL is right here.
You’ll find Kissimmee car insurance rates, the cheapest Kissimmee, FL car insurance companies, and information on Florida car insurance laws. You can also compare Kissimmee, Florida car insurance rates to Tallahassee car insurance rates, Jacksonville car insurance rates, and Fort Lauderdale car insurance rates.
Ready to find affordable Kissimmee, FL car insurance today? Enter your ZIP code for fast, free Kissimmee car insurance quotes.
Cheapest Kissimmee, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Kissimmee, FL car insurance rates? Every Kissimmee, Florida car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,910 | $4,670 | $4,267 | $4,320 | $17,042 | $18,428 | $4,816 | $4,865 |
| Geico | $3,050 | $3,061 | $2,851 | $2,851 | $5,399 | $6,688 | $3,353 | $3,381 |
| Liberty Mutual | $3,683 | $3,683 | $3,370 | $3,370 | $7,827 | $12,080 | $3,683 | $5,009 |
| Nationwide | $2,979 | $2,932 | $2,658 | $2,747 | $7,178 | $8,803 | $3,277 | $3,396 |
| Progressive | $3,779 | $3,561 | $3,239 | $3,466 | $10,676 | $11,609 | $4,558 | $4,331 |
| State Farm | $2,119 | $2,119 | $1,922 | $1,922 | $6,207 | $7,882 | $2,358 | $2,516 |
| USAA | $1,737 | $1,706 | $1,630 | $1,611 | $6,022 | $6,961 | $2,168 | $2,335 |
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Minimum Car Insurance in Kissimmee, FL
Every driver must carry the minimum car insurance in Kissimmee, FL. Take a look at the Florida car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Kissimmee, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Kissimmee, FL. Compare credit history car insurance rates in Kissimmee from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $11,125 | $6,985 | $5,635 |
| Geico | $5,582 | $3,375 | $2,531 |
| Liberty Mutual | $6,890 | $5,044 | $4,080 |
| Nationwide | $5,323 | $3,897 | $3,519 |
| Progressive | $7,365 | $5,233 | $4,358 |
| State Farm | $4,640 | $3,027 | $2,475 |
| USAA | $4,919 | $2,404 | $1,741 |
Cheapest Kissimmee, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Kissimmee, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $6,809 | $8,204 | $9,079 | $7,566 |
| Geico | $2,658 | $3,406 | $5,085 | $4,169 |
| Liberty Mutual | $3,817 | $4,989 | $7,293 | $5,254 |
| Nationwide | $3,613 | $3,975 | $5,376 | $4,021 |
| Progressive | $4,452 | $6,606 | $5,560 | $5,990 |
| State Farm | $3,087 | $3,674 | $3,381 | $3,381 |
| USAA | $2,358 | $2,921 | $4,331 | $2,475 |
Cheapest Kissimmee, FL Car Insurance for Teen Drivers
Teen car insurance in Kissimmee, FL can be expensive. Take a look at rates from the top car insurance companies in Kissimmee for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $17,042 | $18,428 |
| Geico | $5,399 | $6,688 |
| Liberty Mutual | $7,827 | $12,080 |
| Nationwide | $7,178 | $8,803 |
| Progressive | $10,676 | $11,609 |
| State Farm | $6,207 | $7,882 |
| USAA | $6,022 | $6,961 |
Cheapest Kissimmee, FL Car Insurance for Seniors
Take a look at Kissimmee, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,267 | $4,320 |
| Geico | $2,851 | $2,851 |
| Liberty Mutual | $3,370 | $3,370 |
| Nationwide | $2,658 | $2,747 |
| Progressive | $3,239 | $3,466 |
| State Farm | $1,922 | $1,922 |
| USAA | $1,630 | $1,611 |
Cheapest Kissimmee, FL Car Insurance Rates After a DUI
A DUI in Kissimmee, FL increases car insurance rates. Compare Kissimmee, Florida DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $9,079 |
| Geico | $5,085 |
| Liberty Mutual | $7,293 |
| Nationwide | $5,376 |
| Progressive | $5,560 |
| State Farm | $3,381 |
| USAA | $4,331 |
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Cheapest Kissimmee, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Kissimmee, FL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $7,692 | $8,137 |
| Geico | $3,811 | $3,847 |
| Liberty Mutual | $5,164 | $5,512 |
| Nationwide | $4,246 | $4,246 |
| Progressive | $5,652 | $5,652 |
| State Farm | $3,263 | $3,499 |
| USAA | $2,987 | $3,056 |
Cheapest Kissimmee, FL Car Insurance Rates by ZIP Code
Kissimmee car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Kissimmee, FL.
| ZIP Code | Average Annual Rates |
|---|---|
| 34741 | $3,707 |
| 34743 | $3,824 |
| 34744 | $3,704 |
| 34746 | $3,704 |
| 34747 | $3,591 |
| 34758 | $3,704 |
The Best Cheap Car Insurance Companies in Kissimmee, FL
Take a look at a side-by-side comparison of the top car insurance companies in Kissimmee, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,915 |
| Geico | $3,829 |
| Liberty Mutual | $5,338 |
| Nationwide | $4,246 |
| Progressive | $5,652 |
| State Farm | $3,381 |
| USAA | $3,021 |
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Category Winners: Cheapest Car Insurance in Kissimmee, Florida
Find the cheapest car insurance companies in Kissimmee, FL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Kissimmee, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Kissimmee car insurance rates. Find the cheapest Kissimmee, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,956 | $8,363 | $9,425 |
| Geico | $3,110 | $3,964 | $4,414 |
| Liberty Mutual | $4,897 | $5,424 | $5,693 |
| Nationwide | $3,325 | $4,419 | $4,996 |
| Progressive | $4,707 | $5,787 | $6,463 |
| State Farm | $2,885 | $3,464 | $3,793 |
| USAA | $2,579 | $3,137 | $3,349 |
What affects car insurance rates in Kissimmee, Florida?
What factors can have an impact on Kissimmee, FL car insurance? There are several reasons why Kissimmee car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Kissimmee, Florida.
Car Theft in Kissimmee
High levels of vehicle theft can make car insurance more expensive. Kissimmee, FL car theft statistics from the FBI indicate 135 vehicle thefts a year.
Commute Time in Kissimmee
The more time you spend in your car the higher the risk of an accident. The average commute length in Kissimmee, FL is 30.6 minutes according to City-Data.
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Compare Car Insurance Quotes in Kissimmee, FL
Ready to find affordable Kissimmee, Florida car insurance today? Enter your ZIP code for fast, free Kissimmee, FL car insurance quotes.
Frequently Asked Questions
How much does car insurance cost in Kissimmee, FL?
The cost of car insurance in Kissimmee, FL can vary based on several factors, including your age, driving record, type of vehicle, coverage options, and the insurance company you choose. To get an accurate estimate, it’s recommended to request quotes from different insurance providers and compare their rates and coverage options.
What are the common coverage options for car insurance in Kissimmee, FL?
Common coverage options for car insurance in Kissimmee, FL include:
- Liability Coverage: This coverage is typically required by law and includes bodily injury liability and property damage liability. It helps cover costs if you cause an accident that results in injuries to others or damage to their property.
- Personal Injury Protection (PIP): PIP coverage is required in Florida and helps cover your medical expenses and lost wages in the event of an accident, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Collision Coverage: This coverage helps pay for repairs or replacement of your vehicle if it is damaged in a collision, regardless of fault.
- Comprehensive Coverage: This coverage protects against non-collision-related damages, such as theft, vandalism, fire, or severe weather.
What factors can affect the cost of car insurance in Kissimmee, FL?
Several factors can influence the cost of car insurance in Kissimmee, FL, including:
- Age and Driving Experience: Younger drivers and those with less driving experience generally have higher insurance rates.
- Driving Record: A clean driving record with no accidents or traffic violations can lead to lower insurance premiums.
- Location: The area where you live can impact your insurance rates. Factors such as crime rates, traffic congestion, and the number of accidents in the area are considered.
- Vehicle Type: The make and model of your vehicle can affect insurance rates. Generally, more expensive or high-performance vehicles have higher insurance premiums.
- Coverage and Deductibles: The level of coverage you choose and the deductibles you select can affect your premiums. Higher coverage limits and lower deductibles often result in higher premiums.
Are there any discounts available for car insurance in Kissimmee, FL?
Yes, insurance providers often offer discounts that can help lower the cost of car insurance in Kissimmee, FL. Common discounts include:
- Multi-Policy Discount: Bundling your car insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Good Driver Discount: Maintaining a clean driving record without accidents or traffic violations can make you eligible for lower premiums.
- Safety Feature Discount: Having safety features installed in your vehicle, such as anti-lock brakes, airbags, or anti-theft systems, may result in lower insurance rates.
- Good Student Discount: If you’re a student with good grades, you may qualify for a discount on your car insurance.
- Loyalty Discount: Some insurance companies offer discounts to customers who have been with them for a certain period.
How can I find affordable car insurance in Kissimmee, FL?
To find affordable car insurance in Kissimmee, FL, consider the following tips:
- Compare Quotes: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Increase Deductibles: Opting for higher deductibles can lower your insurance premiums. However, ensure you can comfortably afford the deductible amount if you need to make a claim.
- Maintain a Good Credit Score: A good credit score can positively impact your insurance rates. Pay your bills on time and manage your credit responsibly.
- Take Advantage of Discounts: Ask your insurance provider about available discounts and see if you qualify for any based on your circumstances.
- Review and Adjust Coverage: Periodically review your coverage needs and adjust your policy accordingly. Removing unnecessary coverage or adjusting coverage limits can help save money.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.