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Get Cheap Car Insurance in Central Business District, Orlando, FL

We monitor insurance prices, helping the average driver in Central Business District save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Central Business District

The chart below shows the cheapest car insurance company in Central Business District 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.

 
Central Business District Insurer Monthly Cost
Geico $124
State Farm $132
Gainsco $172
Bristol West $172

Savings for Every Kind of Central Business District Driver

The table shows how much the average auto insurance customer in Central Business District might save by following our recommendations.

Based on our extensive insurance data, we know the average Central Business District 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 $760 per year by choosing the right vehicle insurance company. Some Central Business District residents are paying out over $2,598 extra every year for auto insurance in Central Business District. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Central Business District, Orlando, FL Savings / Yr.
$760
$1,116
$858
$850
$2,699
$738
$1,075

Central Business District Car Insurance vs. Orlando

People living in Central Business District pay an average of 1.66% less than the typical driver in the state. The average driver in Central Business District can expect to pay about $2,372 per year, or $2,598 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Central Business District for most people.

Car Insurance Prices by Central Business District Neighborhood

Central Business District, 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 Central Business District?

The map shows insurance prices in and around Central Business District, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $814 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,310 to a low of $2,496. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Central Business District.

Pick the Best Car Insurance Company for You in Central Business District

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 Central Business District insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Central Business District

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $760 over the average Central Business District car insurance company.

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We use the average good driver, paying $153 per month, as our baseline for pricing in Central Business District. 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 Central Business District drivers with accidents on their records

In Central Business District getting into an accident will raise premiums an average 28% for a yearly cost of $3,607. That's $1,009 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 $1,116 over the competition.

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The best car insurance company for Central Business District drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $858 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 Central Business District, tickets raise premiums on new quotes about $724. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,322 per year.

The best auto insurance for Central Business District drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,546 per year in auto insurance premiums, which was $948 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 $850 less each year.

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The least expensive car insurance company for new and young drivers in Central Business District

In Central Business District, Geico costs young drivers $2,699 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 Central Business District. With an average cost of $7,796 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 Central Business District

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $183. State Farm, Geico, and Progressive provided the largest discounts to couples living in Central Business District.

Geico gave the largest car insurance discounts to married couples, averaging $738 saved each year compared to an average Central Business District couple's premiums.

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The cheapest car insurance in Central Business District for drivers with bad credit

People with poor credit saved an average of $1,075 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,242 every year. Premiums for people with poor credit were about $3,840 in Central Business District. 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 Central Business District car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Central Business District, 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 Central Business District.

Allstate was the best company for customer service in Central Business District 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 Central Business District, 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 Central Business District. 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 Central Business District

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 72% of Central Business District 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 Central Business District 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 Central Business District, 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 Central Business District

What Influences the Cost of Car Insurance in Central Business District?

On average, car insurance in Central Business District 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 Central Business District is 33 minutes, which is a little 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 Central Business District are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Central Business District 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 Central Business District is $198 per month for minimum coverage and $217 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 Central Business District driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Central Business District 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.