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Get Cheap Car Insurance in Kirkman North, Orlando, FL

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

 

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The Cheapest Minimum Coverage in Kirkman North

The chart below shows the cheapest car insurance company in Kirkman North 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.

 
Kirkman North Insurer Monthly Cost
Geico $148
State Farm $157
Gainsco $205
Bristol West $205

Savings for Every Kind of Kirkman North Driver

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

Based on our extensive insurance data, we know the average Kirkman North 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 $907 per year by choosing the right vehicle insurance company. Some Kirkman North residents are paying out over $3,102 extra every year for auto insurance in Kirkman North. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Kirkman North, Orlando, FL Savings / Yr.
$907
$1,332
$1,025
$1,014
$3,223
$880
$1,283

Kirkman North Car Insurance vs. Orlando

People living in Kirkman North pay an average of 17.40% more than the typical driver in the state. The average driver in Kirkman North can expect to pay about $2,832 per year, or $3,102 for full coverage.

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

Car Insurance Prices by Kirkman North Neighborhood

Kirkman North, Orlando, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Kirkman North?

The map shows insurance prices in and around Kirkman North, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $538 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,398 to a low of $2,860. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Kirkman North.

Pick the Best Car Insurance Company for You in Kirkman North

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 Kirkman North insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Kirkman North

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $907 over the average Kirkman North car insurance company.

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We use the average good driver, paying $183 per month, as our baseline for pricing in Kirkman North. 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 Kirkman North drivers with accidents on their records

In Kirkman North getting into an accident will raise premiums an average 28% for a yearly cost of $4,306. That's $1,205 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 $1,332 over the competition.

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The best car insurance company for Kirkman North drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $1,025 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 Kirkman North, tickets raise premiums on new quotes about $864. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,966 per year.

The best auto insurance for Kirkman North drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,233 per year in auto insurance premiums, which was $1,132 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 $1,014 less each year.

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The least expensive car insurance company for new and young drivers in Kirkman North

In Kirkman North, Geico costs young drivers $3,223 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 Kirkman North. With an average cost of $9,307 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 Kirkman North

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $218. State Farm, Geico, and Progressive provided the largest discounts to couples living in Kirkman North.

Geico gave the largest car insurance discounts to married couples, averaging $880 saved each year compared to an average Kirkman North couple's premiums.

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The cheapest car insurance in Kirkman North for drivers with bad credit

People with poor credit saved an average of $1,283 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,483 every year. Premiums for people with poor credit were about $4,584 in Kirkman North. 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 Kirkman North car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Kirkman North, 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 Kirkman North.

Allstate was the best company for customer service in Kirkman North 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 Kirkman North, 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 Kirkman North. 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 Kirkman North

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 82% of Kirkman North 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 Kirkman North 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 Kirkman North, 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 Kirkman North

What Influences the Cost of Car Insurance in Kirkman North?

On average, car insurance in Kirkman North is more expensive than the rest of the state. These high 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 Kirkman North is 30 minutes, which is about the national 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 Kirkman North are lower than average 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.
  • Kirkman North is one of the least populated areas 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 Kirkman North is $236 per month for minimum coverage and $258 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 Kirkman North driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Kirkman North 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.