Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Orange Springs, FL

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

 

Start Saving

The Cheapest Minimum Coverage in Orange Springs

The chart below shows the cheapest car insurance company in Orange Springs 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.

 
Orange Springs Insurer Monthly Cost
Geico $116
State Farm $123
Gainsco $161
Bristol West $161

Savings for Every Kind of Orange Springs Driver

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

Based on our extensive insurance data, we know the average Orange Springs 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 $713 per year by choosing the right vehicle insurance company. Some Orange Springs residents are paying out over $2,436 extra every year for auto insurance in Orange Springs. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Orange Springs Car Insurance vs. Florida

People living in Orange Springs pay an average of 7.81% less than the typical driver in the state. The average driver in Orange Springs can expect to pay about $2,224 per year, or $2,436 for full coverage.

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

Car Insurance Prices by Orange Springs Neighborhood

Orange Springs, FL map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Orange Springs?

The map shows insurance prices in and around Orange Springs, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $128 per year within the city boundaries, with insurance premiums ranging from a high of $2,515 to a low of $2,387. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Orange Springs.

Pick the Best Car Insurance Company for You in Orange Springs

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 Orange Springs insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Orange Springs

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $713 over the average Orange Springs car insurance company.

Visit Site

We use the average good driver, paying $144 per month, as our baseline for pricing in Orange Springs. 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 Orange Springs drivers with accidents on their records

In Orange Springs getting into an accident will raise premiums an average 28% for a yearly cost of $3,381. That's $946 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 $1,046 over the competition.

Visit Site

The best car insurance company for Orange Springs drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $805 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Orange Springs, tickets raise premiums on new quotes about $678. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,114 per year.

The best auto insurance for Orange Springs drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,324 per year in auto insurance premiums, which was $889 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 $796 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Orange Springs

In Orange Springs, Geico costs young drivers $2,531 less each year versus the average auto insurance bill.

Visit Site

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 Orange Springs. With an average cost of $7,309 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 Orange Springs

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 Orange Springs.

Geico gave the largest car insurance discounts to married couples, averaging $691 saved each year compared to an average Orange Springs couple's premiums.

Visit Site

The cheapest car insurance in Orange Springs for drivers with bad credit

People with poor credit saved an average of $1,008 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,164 every year. Premiums for people with poor credit were about $3,600 in Orange Springs. 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 Orange Springs car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Orange Springs, 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 Orange Springs.

Allstate was the best company for customer service in Orange Springs according to the NAIC.

Visit Site

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 Orange Springs, which was better than other insurers.

Visit Site

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 Orange Springs. 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 Orange Springs

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 13% of Orange Springs residents who are renting, and don't plan to be in the city or state 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 Orange Springs driver can expect to pay about $156 per month.

Visit Site

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 Orange Springs, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Orange Springs

What Influences the Cost of Car Insurance in Orange Springs?

On average, car insurance in Orange Springs 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 city are influenced by the following factors:

  • The average commute time in Orange Springs is 63 minutes, which is far more than average for a driver in the state.
  • 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 Orange Springs are about 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.
  • Orange Springs is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Orange Springs 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 Cities

Cities with Similar Populations

* Who is the average Orange Springs driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Orange Springs 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.