Best Auto Insurance Rates in Kissimmee, Florida

On average your neighbors pay $98 a month.

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Kissimmee, Florida is a lot more than just a fun name to say. It happens to be the western-most city in Florida. When Disney World opened in 1971, the city boomed. Even after this, Kissimmee never lost its traditions of both cattle, and of course, citrus.

Nowadays, Kissimmee is home to Orange World, home to the world’s largest orange. It’s also home to the Houston Astros spring training and the NCAA men’s soccer National Championship. It’s no wonder that countless professional athletes have come out of Kissimmee. Residents of Kissimmee deserve cheap car insurance rates.

Average Kissimmee Car Insurance Rates

How much is car insurance in Kissimmee, FL? The average cost of insurance coverage in Kissimmee is higher than both the state and national average. The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.

Prices may vary depending on your driving history and the points on your driver's license and the number of insurance claims filed in your zip code.

Florida Average Annual Car Insurance Rates
Coverage Rates
Liability $857.64
Collision $282.96
Comprehensive $116.53
Total Cost Per Year $1,185.25
Price Per Month $98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

Florida average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. QuoteWizard can help you find cheap car insurance rates near Kissimmee, Florida and save up to 40% on your premium.

Last year, 4,156 people used QuoteWizard to compare car insurance quotes in Kissimmee, FL from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Kissimmee, FL

This is our list of the most common car insurance companies reported by QuoteWizard users living in Kissimmee, Florida last year. Of the 4,156 people who requested quotes, 359 were uninsured.

Top 10 Vehicles in Kissimmee

These are the most common car makes and models owned by Kissimmee, FL drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Ford F150
  3. Toyota Camry LE/XLE
  4. Hyundai Sonata GLS
  5. Honda Civic EX/LX
  6. Toyota Corolla
  7. Dodge Caravan
  8. Nissan Altima 2.5 S
  9. Kia Sedona EX/LX
  10. Jeep Grand Cherokee
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Kissimmee, FL

Kissimmee, Florida has a minimum liability coverage requirement known as the 10/20/10 rule, which means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $10,000.
    This is the most your insurance company will pay for one person injured in a car accident. It applies only to people named on your policy.
  • Total Bodily Injury Liability: $20,000.
    This is the most your insurance company will pay in total for everyone injured in a car accident. It applies to you and people not named on your policy.
  • Property Damage Liability (PIL): $10,000.
    This is the most your insurance company will pay for property damage caused by a car crash. This includes all physical damage such as vehicle damage and damage to road fixtures. If you hit a telephone pole or road sign, you’re covered.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

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Weather

Kissimmee experiences a tropical climate. Residents can expect 232 sunny days and around 112 days with measurable precipitation each year. Kissimmee receives an average of 49.5 inches in precipitation a year and it virtually never snows in this area.

Road Conditions

TRIP reports that 38% of the Kissimmee's major roads have pavement conditions rated as mediocre. These road conditions costs drivers $204 a year in extra vehicle operating costs. These costs are a direct result of driving on rough roads that damage cars and waste gas because of delays due to congestion. They’re also a factor in car accidents.

Traffic Congestion

Traffic data provider Inrix reported that Kissimmee drivers were delayed 22 hours annually.  These delays cost area commuters $517 per commuter in congestion costs on average.

Moving Violations

Moving violations such as red light infractions, drunk driving, accidents, and speeding can ruin your driving record and dramatically raise your rates.

Traffic Tickets

The Kissimmee Police Department website allows you to pay traffic citations, tells drivers how to plead not guilty and contest tickets, elect to attend driver improvement school, and provides helpful traffic court information.

Kissimmee DUIs

Getting a DUI can cause all kinds of problems, especially increasing your rates. After your rates go up, legal and financial woes can stick around for months. Brevard County Sheriff’s office provides DUI data and updates via its website.  At the end of the day, a DUI can typically cost between $10,000 and $15,000.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Kissimmee DUI insurance.

Car Accidents Statistics

Kissimmee Police reported 1,584 motor vehicle crashes in 2016, resulting in 1,097 injuries. This was more than the 1,229 crashes reported in 2015.

Traffic Fatalities

Kissimmee also reported six fatal car crashes in 2016 that resulted in seven fatalities. This was one more than the nine fatalities reported in 2015.

Vehicle Theft Rates

Kissimmee reported 136 vehicle thefts in 2016. This is a rate of 1.97 thefts per 1,000 people. That’s slightly lower than the rate for the US as a whole, which is 2.20 per 1,000 people. With an estimated population of 69,369, this is just slightly below average.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to Kissimmee, FL drivers depending on your carrier. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. Safe driver. If you have a perfect driving record, with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  3. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  6. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  7. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  9. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  10. Shop around and compare affordable Kissimmee auto insurance quotes

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