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Get Cheap Car Insurance in Bal Bay, Orlando, FL

We monitor insurance prices, helping the average driver in Bal Bay save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Bal Bay

The chart below shows the cheapest car insurance company in Bal Bay for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.

 
Bal Bay Insurer Monthly Cost
Geico $116
State Farm $123
Gainsco $161
Bristol West $161

Savings for Every Kind of Bal Bay Driver

The table shows how much the average auto insurance customer in Bal Bay might save by following our recommendations.

Based on our extensive insurance data, we know the average Bal Bay driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $711 per year by choosing the right vehicle insurance company. Some Bal Bay residents are paying out over $2,432 extra every year for auto insurance in Bal Bay. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Bal Bay, Orlando, FL Savings / Yr.
Drivers with good records
$711
Drivers with accidents
$1,045
Drivers with speeding tickets
$804
Drivers with a DUI conviction
$795
Young drivers
$2,527
Married drivers
$690
Drivers with bad credit
$1,006

Bal Bay Car Insurance vs. Orlando

People living in Bal Bay pay an average of 7.96% less than the typical driver in the state. The average driver in Bal Bay can expect to pay about $2,220 per year, or $2,432 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Bal Bay for most people.

Car Insurance Prices by Bal Bay Neighborhood

Bal Bay, Orlando, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Bal Bay?

The map shows insurance prices in and around Bal Bay, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,432 to a low of $2,432. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Bal Bay.

Pick the Best Car Insurance Company for You in Bal Bay

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Bal Bay insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Bal Bay

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $711 over the average Bal Bay car insurance company.

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We use the average good driver, paying $143 per month, as our baseline for pricing in Bal Bay. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Bal Bay drivers with accidents on their records

In Bal Bay getting into an accident will raise premiums an average 28% for a yearly cost of $3,376. That's $944 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,045 over the competition.

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The best car insurance company for Bal Bay drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $804 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Bal Bay, tickets raise premiums on new quotes about $677. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,109 per year.

The best auto insurance for Bal Bay drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,319 per year in auto insurance premiums, which was $887 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $795 less each year.

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The least expensive car insurance company for new and young drivers in Bal Bay

In Bal Bay, Geico costs young drivers $2,527 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Bal Bay. With an average cost of $7,297 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Bal Bay

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $171. State Farm, Geico, and Progressive provided the largest discounts to couples living in Bal Bay.

Geico gave the largest car insurance discounts to married couples, averaging $690 saved each year compared to an average Bal Bay couple's premiums.

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The cheapest car insurance in Bal Bay for drivers with bad credit

People with poor credit saved an average of $1,006 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,162 every year. Premiums for people with poor credit were about $3,594 in Bal Bay. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Bal Bay car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Bal Bay, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Bal Bay.

Allstate was the best company for customer service in Bal Bay according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bal Bay, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Bal Bay. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Bal Bay

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 33% of Bal Bay residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Bal Bay driver can expect to pay about $156 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bal Bay, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Bal Bay

What Influences the Cost of Car Insurance in Bal Bay?

On average, car insurance in Bal Bay is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Bal Bay is 37 minutes, which is far more than average for a driver in the city.
  • Florida state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Bal Bay are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
  • Bal Bay is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Bal Bay is $185 per month for minimum coverage and $203 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Bal Bay driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Bal Bay with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.