Car Insurance in Kissimmee
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Kissimmee, Florida, lives largely in the shadow of Walt Disney World. The “House of Mouse” dominates the tourism industry, bringing many visitors to Kissimmee each and every day.
However, the city itself has its own charming culture. This ranges from the ranches that first defined the city’s economy to tourist-friendly sights such as the World’s Largest Orange.
In other words, you will have plenty to see and do when driving through Kissimmee. But it’s important to make sure you have the right level of auto insurance coverage.
Quick Facts
- There were 18 traffic-related fatalities in Kissimmee in 2019
- The average cost of car insurance is $181.76
How Much Is Car Insurance in Kissimmee?
When you first move to Kissimmee (or even before that), you probably have a burning question: “how much is my car insurance going to cost?”
In Kissimmee, the average cost of car insurance is $181.76. This is a little bit better than the average cost of car insurance in the state of Florida, which is $187.96. However, it is far more expensive than the national average for car insurance, which is approximately $135.22.
And car insurance rates may differ significantly from city to city. To give you a better idea of how Kissimmee stacks up, we’ve got a breakdown of the average car insurance costs in different major cities throughout Florida.
| City | Average Monthly Rate |
|---|---|
| Fort Lauderdale | $224.34 |
| Jacksonville | $175.49 |
| Miami | $272.19 |
| Orlando | $202.54 |
| Tampa | $255.30 |
Kissimmee Car Insurance Rates by Zip Code
Now you know that Florida has a wide variety of different car insurance average rates across the state. Interestingly, though, there may be a wide range of prices in Kissimmee itself. It all depends on the zip code you live in.
That’s why we compiled a list of average car insurance rates across different zip codes within Kissimmee. Give this list a close look to figure out how your own car insurance costs stack up!
| ZIP Code | Average Monthly Rate |
|---|---|
| 34741 | $182.96 |
| 34742 | $163.06 |
| 34743 | $181.59 |
| 34744 | $185.56 |
| 34746 | $173.50 |
| 34747 | $176.03 |
| 34758 | $186.51 |
| 34759 | $183.10 |
Kissimmee Car Insurance Rates by Age
Many different factors can impact how much your monthly insurance premium is. We’ve already covered a big one: your location. But while you can always move to a different zip code or city, one factor that you can’t control is your age.
That’s right: you can expect to pay different average amounts for car insurance based on your age. Below, we have a breakdown of how much you can expect to pay at different stages of your life!
| Age | Average Monthly Car Insurance Rate |
|---|---|
| Teenagers | $314.52 |
| 20s | $217.94 |
| 30s | $168.39 |
| 40s | $159.21 |
| 50s | $139.56 |
| 60s | $139.26 |
| 70s | $158.61 |
Driving Conditions in Kissimmee
How Many Fatal Accidents Happen in Kissimmee?
In 2019, there were 18 fatalities from traffic-related incidents in Kissimmee, Fl. This was a result of 16 different accidents. Only four of these accidents involved drunk drivers. Other fatalities may be attributed partially to Kissimmee being such a vacation destination for residents across the country.
How Are the Road Infrastructure and Bridges in Kissimmee?
For the most part, Kissimmee’s infrastructure is quite strong. The roads are well-traveled by tourists and residents alike but generally in good condition.
The city is currently in the middle of the Connect Kissimmee project. The ultimate goal of this project is to improve the mobility and accessibility to downtown Kissimmee. This shows the city’s commitment to making the city even better for those who live there.
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Minimum Car Insurance Requirements in Kissimmee
When it comes to driving around Kissimmee, we always recommend having more than the minimum level of car insurance required by the state. However, it’s important to know what that minimum coverage is, especially if you are new to the area.
In Florida, the minimum liability coverage required is as follows:
- Property damage liability coverage: $10,000
- Personal Injury Protection: $10,000
If you want enhanced protection for your vehicle, we recommend adding collision coverage to your policy in addition to liability coverage.
Factors Allowed in Kissimmee Car Insurance Rates
Previously, we detailed some of the factors that insurance carriers can use when setting their insurance premiums. However, we only discussed location and age, and many other factors may apply.
Below, we have a breakdown of the different factors that Florida allows insurance carriers to consider when setting rates:
- Driving record
- Credit score
- Marital status
- Age
- Gender
- Education
Any of these factors may play a part in how much you pay each month. If you are interested in reducing your monthly bill, it’s important to look into discounts through your carrier.
Discounts for Car Insurance in Kissimmee
In Florida, every car insurance company can determine what discounts they want to offer drivers. Below, have some common discounts offered by carriers:
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Good driver
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-
Safety features
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Customer loyalty
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Graduating from a defensive driving course
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Bundled policy
Because each carrier decides on their own discounts, you won’t know the full list of what is available until you contact your own insurance company. We recommend doing so because you might already qualify for a discount and not even know it.
What Are the Penalties for Driving Without Insurance in Kissimmee?
Florida takes car insurance very seriously. And if you are busted in Kissimmee for driving without insurance, many unfortunate things will happen.
First, you will have three days to obtain insurance and provide proof that you have minimum coverage. Otherwise, your license, plates, and registration will be suspended for three years. You can get insured again, but then your reinstatement will cost $150.
If you have a second violation within three years, you face the same penalties and a reinstatement fee of $250. If you commit a third offense within that same three-year period, your reinstatement fee jumps up to $500.
Get a Kissimmee Insurance Quote Today!
Ready to really enjoy Kissimmee, including “the happiest place on Earth?” Well, you can’t be pleased until you’re getting the insurance you need at the price you deserve.
Fortunately, Freeway is here to help you find the best car insurance for you in Kissimmee, Florida. Get started with a quote online, or visit us at an office near you. You can also call us at (800) 777-5620 for a quote.