Oviedo Auto Insurance Rates, Quotes, Agents & Reviews in FL

Oviedo, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Oviedo, 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.

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Factors that can influence the cost of car insurance in Oviedo, 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.

Oviedo, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Oviedo, FL with that of other cities in and around Oviedo.

Oviedo Chuluota Winter Springs Goldenrod Bithlo Black Hammock
Average Insurance Rates $1,324 $2,152 $1,316 $2,155 $2,184 $2,370

Oviedo, 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 Oviedo, 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)
Seminole County $1,102 $931
Oviedo $1,545 $1,305
Black Hammock $1,452 $1,227
Geneva $1,597 $1,349
Chuluota $1,025 $866
Winter Springs $1,066 $900
Bithlo $956 $807
Goldenrod $2,025 $1,710

Oviedo, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Oviedo, 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 $4,296
20 Years $1,701
30 Years $1,310
40 Years $1,261
50 Years $1,167
60 Years $1,184
70 Years $1,378

Oviedo, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Oviedo, 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 $2,304 $344
3 Vehicles $3,456 $516
4 Vehicles $4,608 $688

Savings on 2 Vehicles bundle:$344

Savings on 3 Vehicles bundle:$516

Savings on 4 Vehicles bundle:$688

Oviedo, 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 Oviedo, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Seminole County $1,155 $1,808
Oviedo $1,324 $2,072
Black Hammock $2,370 $3,709
Geneva $2,316 $3,625
Chuluota $2,152 $3,368
Winter Springs $1,316 $2,060
Bithlo $2,184 $3,418
Goldenrod $2,155 $3,373

Oviedo, 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) $1,136
Excellent (740-799) $1,297
Good (670-739) $1,380
Average (580-669) $1,800
Poor (300-579) $2,160

Oviedo, FL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Rob Cole Allstate 1327 Winter Springs Blvd, Winter Springs, 32708 (407) 977-4640
R. Lee Atkins Jr. Allstate 7567 University Blvd, Winter Park, 32792 (407) 657-7500
Fred Franz State Farm 561 E Mitchell Hmk Rd Ste 100, Oviedo, 32765-5526 407-366-2225
John Feirick Insurance None 2100 Alafaya Trl Ste 110, Oviedo, 32765 None
American Auto Insurance Travelers 1759 WEST BROADWAY STE 2, OVIEDO, 32765 407-366-7050
All Florida Insurance Of Central Florida Travelers 3228 W Sr 426 Ste 1032 , Oviedo, 32765 None
The Wurzel Insurance Agency Travelers 1942 W Cr 419 Ste 1000, Oviedo, 32766 None
Brown & Brown Of Florida, Inc. None 7341 Office Park Place Ste 202A , Melbourne, 32940 None

Oviedo, 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 +$58 $1,382
Driver's Failure In Showing Documents +$128 $1,452
Driving With An Expired Registration +$136 $1,460
Driving At A Considerably Slow Pace +$287 $1,611
Using A Cellphone While Driving +$303 $1,627
Running A Red Light +$308 $1,632
Speeding +$324 $1,648
Driving A Vehicle Without The Required Permission +$412 $1,736
Driving With An Expired/Suspended License +$892 $2,216

Oviedo, 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 $1,271
Active Disabling Device $1,271
Tracking Device $1,245
Passive Disabling Device $1,231

Latest Auto Insurance Reviews in Oviedo, FL | Back to Top

I recommend them if you want a decent priced service if you can ensure you won't get into any accidents, but if you then you see the dark side of the company.
I switched to progressive may years ago after one of their clients hit my car, and they paid me for the repairs the same day, and gave me a rental car.
I like Geico because I was able to search online and check the prices and found they offered the same coverage for less. This was at a time when I really needed to save money.
They have been exceptional is all our exchanges and dealings. Best prices as well as best customer service. Perfect match for me.
For the most part, I would recommend Progressive. The customer service is not great, but they seem to make up for it with their great coverage and prices.
This is the only type of car insurance I have ever had so I am in no position to make a comparison to other insurance providers.
I would recommend USAA for auto coverage. Their customer service reps are well-trained and helpful, the tend not to needlessly push back on claims and are generally a good company.
The review was for my auto insurance I dont have home insurance because I rent. My landlord does pay house insurance though but we do not have renters insurance.
however, when it comes to pay out they suck. they did not pay out what my new car was worth and I am still paying over 5000 dollars on what my car is worth and being sued.
however, when it comes to pay out they suck. they did not pay out what my new car was worth and I am still paying over 5000 dollars on what my car is worth and being sued.
My only downside is I wish the coverage was cheaper.
State Farm
When you call the customer service line they are very disjointed and take a while getting you to your "Agent". I also do not care for my personal agent as he is very rude.
In my opinion, the premium offered by my auto insurance provider is much, much higher than that of other providers. The premium is even above $200/month, which I find extremely expensive.
Allstate has always treated me with respect and been prompt in notifying me of changes and working with me to solve any issues that I had.
State Farm
I really didn't shop around since I carry other insurances with this carrier and have a good relationship with my agent. I wouldn't know.
If I didn't have my accident on my record, the payment for each month would be more expensive than other companies.