Apopka, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Apopka, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top 5 Car Insurance Companies in Apopka, FL, by Market Share
The average cost of auto insurance in Apopka, FL, is $1,426. Car owners here can save more on car insurance by comparing multiple auto insurance quotes. The cost of insurance is influenced by numerous factors ranging from the driver’s age to the car’s make and model. The cost of auto insurance can also vary from one neighborhood to another, depending on the rate of auto thefts in that area. Below is a list of the top 5 auto insurance companies in Apopka, FL.
GEICO:
GEICO leads the way in Florida, with a market share of 25.23%. It has 5,160,726 direct premiums written, and 5,081,055 direct premiums earned. GEICO continues to bring innovations into insurance, the latest being its virtual assistant, KATE. GEICO has an A.M. Best rating of A++ and a J.D. Power rating of 827/1000 in Florida.
PROGRESSIVE:
Progressive is second on this list with an A.M. Best Rating of A+ and a J.D. Power rating of 809/1000. It has a massive 3,749,329 direct premiums written, and 3,582,160 direct premiums earned. This earns Progressive a market share of 18.33% in Florida.
STATE FARM:
State Farm has a market share of 14.74%. This earns it a J.D. Power rating of 834/1000 in Florida. The company also has an A.M. Best rating of A++. State Farm has 3,014,788 direct premiums written, and 3,047,953 direct premiums earned in Florida. State Farm maintains its quality with an immensely customer-friendly online portal.
ALLSTATE:
Allstate has 1,897,567 direct premiums written and 1,880,647 direct premiums earned. The company has a market share of 9.28% in Florida. Allstate also has an A.M. Best rating of A+ and a J.D. Power rating of 847/1000.
USAA:
USAA completes this list with a market share of 7.07%. It has 1,445,356 direct premiums written, and 1,431,650 direct premiums earned. This has earned USAA an A.M. Best rating of A++ and a J.D. Power Rating of 898/1000. This is the highest rating in Florida.
Factors Influencing the Cost of Auto Insurance in Pearland, TX
The average cost of auto insurance in Pearland, TX, is $1,325. It is lower than the insurance price in neighboring places such as South Houston, and the state of Texas. Several factors can affect the cost of auto insurance in Pearland. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.
Some of the factors that could increase the cost of auto insurance are as follows.
Age Group:
The cost of auto insurance depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties in Pearland. Teenagers are considered more risk-prone to accidents and continue to find auto insurance expensive at $2,756.
Credit Score:
A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.
Deductibles:
This is one of the most common factors influencing the cost of auto insurance in Pearland, TX. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 for a Ford Taurus SEL is $1,400, and it decreases to $1,300 when the deductible is $1,000.
DUI:
DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Pearland can be as high as $2,088.
Driving Violations:
Driving Violations such as driving with an expired license or speeding can also have a severe impact on auto insurance costs in Pearland, TX, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive.
Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.
Factors that can influence the cost of car insurance in Apopka, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Apopka, FL Auto Insurance Rates
- Apopka, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Apopka, FL
- Multi Vehicle Insurance Savings in Apopka, FL
- How Credit Score Affects Car Insurance Rates in Apopka, FL
- How DUI Affects Auto Insurance Premiums in Apopka, FL
- How Driving Violations Affect Auto Insurance Rates in Apopka, FL
- Apopka, FL Auto Insurance Discounts on Anti Theft Feature
- Apopka, FL Auto Insurance Company Reviews
Apopka, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Apopka, FL with that of other cities in and around Apopka.
| Apopka | South Apopka | Paradise Heights | Forest City | Clarcona | Mount Plymouth | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,426 | $2,081 | $2,078 | $2,183 | $2,076 | $2,122 |
Apopka, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Apopka, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Apopka | $1,715 | $1,449 |
| Zellwood | $1,465 | $1,237 |
| South Apopka | $1,396 | $1,179 |
| Paradise Heights | $1,941 | $1,639 |
| Clarcona | $1,638 | $1,383 |
| Tangerine | $3,032 | $2,561 |
| Forest City | $1,682 | $1,421 |
| Mount Plymouth | $1,227 | $1,036 |
Apopka, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Apopka, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,627 |
| 20 Years | $1,832 |
| 30 Years | $1,411 |
| 40 Years | $1,358 |
| 50 Years | $1,257 |
| 60 Years | $1,275 |
| 70 Years | $1,484 |
Apopka, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Apopka, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,453 | $399 |
| 3 Vehicles | $3,679 | $599 |
| 4 Vehicles | $4,905 | $799 |
Savings on 2 Vehicles bundle:$399
Savings on 3 Vehicles bundle:$599
Savings on 4 Vehicles bundle:$799
Apopka, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Apopka, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Apopka | $1,426 | $2,232 |
| Zellwood | $2,040 | $3,193 |
| South Apopka | $2,081 | $3,257 |
| Paradise Heights | $2,078 | $3,252 |
| Clarcona | $2,076 | $3,249 |
| Tangerine | $2,236 | $3,499 |
| Forest City | $2,183 | $3,417 |
| Mount Plymouth | $2,122 | $3,321 |
Apopka, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,223 |
| Excellent (740-799) | $1,397 |
| Good (670-739) | $1,486 |
| Average (580-669) | $1,939 |
| Poor (300-579) | $2,326 |
Apopka, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$63 | $1,489 |
| Driver's Failure In Showing Documents | +$138 | $1,564 |
| Driving With An Expired Registration | +$147 | $1,573 |
| Driving At A Considerably Slow Pace | +$309 | $1,735 |
| Using A Cellphone While Driving | +$327 | $1,753 |
| Running A Red Light | +$332 | $1,758 |
| Speeding | +$349 | $1,775 |
| Driving A Vehicle Without The Required Permission | +$443 | $1,869 |
| Driving With An Expired/Suspended License | +$961 | $2,387 |
Apopka, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,369 |
| Active Disabling Device | $1,369 |
| Tracking Device | $1,340 |
| Passive Disabling Device | $1,326 |
Latest Auto Insurance Reviews in Apopka, FL | Back to Top
GeicoThis company offers a lot of custom policy options to fit whatever needs a person has. Compared to other companies, this one had exactly what I was looking for.
State FarmState Farm's customer service has been good. Relative to other companies I deal with I don't dread calling State Farm when I need something. They're usually responsive, and can actually do something for you.
UsaaUSAA is our car insurance company and they have always covered us in our insurance since my husband has been in the military.USAA also allows for a discount if you also have other insurances.
Crum & Forster InsuranceIt is very good they recommend everything since it provides a good service
Crum & Forster InsuranceIt is very good they recommend everything since it provides a good service
GeicoThe customer service is great. In terms of insurance, they really enjoy helping if there are any issues. However, the employees are not able to honor any discounts for having GIeco for many years.
GeicoI like the premium price. They also worked with us about 6 months ago when we replaced the A.C. in one of our cars and needed an extension for our payment.
UsaaWell I think all insurance company are a rip off. It only take one claim for them to raise your rates though the roof
ProgressiveI like their commercials on TV - well, most of them anyway. They pay special attention to motorcyclists which I thought was interesting. Quoting my policy was easy compared to other websites.
State Farmthe vehicle insurance premiums of my company are somewhat costly but do not cover the service of cranes while others if, in another case, happens that sometimes, only cover 30% of the damage by accident or vandalism, something that I think very little, that's not mentioning the time it takes for compensation
GeicoPrices are reasonable and you can pick your own coverage. The last time we had an agent he was rude and obnoxious. it's nice not dealing with anyone.
ProgressiveProgressive is pricey and does not offer discounts for being a safe driver. While they do bundling and loyalty rewards they are minimal and make little to no difference.
UsaaI would like it if there was a way to have the best coverage with a more affordable option. I would also like to feel like I can call in to express my concerns openly.