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The average cost of car insurance in Kissimmee, Florida, is $157 per month for state-minimum coverage and $241 per month for full coverage. That’s about the same as average costs in Orlando — $158 per month for liability coverage and $258 per month for full coverage — but lower than Tampa’s averages of $186 per month for liability coverage and $296 for full coverage.
Kissimmee’s proximity to major attractions like Walt Disney World, Universal Studios, and SeaWorld contributes to heavy traffic in the area. This increased congestion can raise driving risk and may influence insurance costs. The average commute time in Kissimmee is 35 minutes — higher than the national average of 27 minutes.[1]
Liability rates start as low as $85 per month
Kissimmee drivers can find the best car insurance quotes from State Farm. It offers the cheapest liability-only rates in the city, with an average monthly cost of $85. That’s lower than Florida’s average liability rate of $139 per month.
Florida is a no-fault state for car insurance and requires drivers to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL), as per the state’s minimum car insurance requirements.[2] [3]
The data below shows the cheapest rates for liability-only car insurance in Kissimmee.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $85 |
| Clearcover | $91 |
| Mile Auto | $92 |
| Progressive | $92 |
| GEICO | $95 |
| Embark | $111 |
| Dairyland | $119 |
| GAINSCO | $126 |
| Direct Auto | $127 |
| Mercury | $130 |
| The General | $134 |
| Bristol West | $144 |
| Allstate | $147 |
| AssuranceAmerica | $147 |
| National General | $155 |
| Insurify Car | $160 |
| Root | $173 |
| Travelers | $175 |
| Hugo | $214 |
| Mendota | $237 |
| First Acceptance | $238 |
| Liberty Mutual | $243 |
State Farm has the lowest full-coverage car insurance rates in Kissimmee, at $135 per month, which is well below the city average of $241 per month.
It’s worth considering a full-coverage car insurance policy in Kissimmee, as state-minimum coverage won’t pay to repair your car if you’re in an accident. Kissimmee’s population grew by 7% between 2020 and 2024, exceeding the U.S. growth rate during that period. That growth can lead to more cars on the road and a greater risk of collisions.
Full coverage, which includes collision coverage and comprehensive coverage, gives you added peace of mind. The table below shows the cheapest rates for full-coverage car insurance in Kissimmee.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $135 |
| Progressive | $151 |
| Mile Auto | $173 |
| Mercury | $192 |
| GEICO | $198 |
| National General | $200 |
| Direct Auto | $212 |
| Bristol West | $223 |
| Clearcover | $223 |
| Allstate | $236 |
| The General | $258 |
| AssuranceAmerica | $267 |
| Embark | $272 |
| Travelers | $281 |
| GAINSCO | $301 |
| Root | $305 |
| Liberty Mutual | $315 |
| Dairyland | $340 |
| First Acceptance | $348 |
| Mendota | $369 |
With an average monthly premium of $134, Venice is the cheapest city in Florida for car insurance, while Miami Gardens is the most expensive, at $268 per month. Kissimmee falls somewhere in the middle, with an average cost of $199 per month.
One reason car insurance in Kissimmee is more affordable than in other cities is its central location, away from the Gulf and Atlantic coasts. While all homes in Kissimmee face some level of hurricane or wind risk, exposure is generally lower than in coastal cities like Tampa or Miami.[4]
The following table shows the average monthly car insurance cost in various Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $190 |
| Cape Coral | $169 |
| Clearwater | $175 |
| Davenport | $189 |
| Daytona Beach | $175 |
| Fort Lauderdale | $218 |
| Fort Myers | $180 |
| Gainesville | $157 |
| Jacksonville | $187 |
| Jupiter | $167 |
| Kissimmee | $199 |
| Lakeland | $177 |
| Melbourne | $161 |
| Miami | $242 |
| Miami-Gardens | $268 |
| Naples | $164 |
| Ocala | $170 |
| Orlando | $208 |
| Palm Bay | $166 |
| Panama City | $150 |
| Pensacola | $164 |
| Pompano Beach | $224 |
| Riverview | $215 |
| Saint Petersburg | $186 |
| Sarasota | $158 |
| Spring Hill | $198 |
| Tallahassee | $169 |
| Tampa | $241 |
| Venice | $134 |
| West Palm Beach | $224 |
| Winter Haven | $179 |
Get a minimum coverage quote in 2 minutes, buy a policy in 4
Though Kissimmee’s rates are lower than the national average, drivers in the city may pay higher premiums due to several local factors.
The Kissimmee-Orlando metro area ranks No. 2 in volume of car thefts in Florida, behind only the Miami-Fort Lauderdale-West Palm Beach metro area, according to Insurify data. Kissimmee is among the top cities for car theft, ranking No. 38 nationally, which can affect average car insurance rates in the city.
Kissimmee also experiences heavy traffic — particularly downtown along John Young Parkway and along the Interstate 4 corridor. More traffic means a higher likelihood of accidents, which insurers factor into policy pricing.
*Quotes generated for Insurify users in and around Kissimmee, Florida within the last 10 days. Last updated on August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Kissimmee, Florida within the last 10 days. Last updated on August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record can influence how much you pay for car insurance. A clean record generally means lower premiums, while an incident (such as a ticket, accident, or driving under the influence) can increase premiums.
Here are the cheapest car insurance rates in Kissimmee for people with different types of driving records.
Cheapest car insurance for Kissimmee drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Kissimmee: State Farm
Cheapest car insurance for Kissimmee drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Kissimmee: State Farm
About 3% of drivers in Kissimmee have a speeding ticket on their driving record, according to Insurify data. As traffic increases, city officials have reduced some speed limits (like on Emmett, Broadway, and Main streets), which may increase the number of citations.
About 3.4% of drivers have an accident on their record, and 0.4% have a DUI. Driving under the influence in Kissimmee places you in the high-risk category, often leading to higher insurance premiums. In Florida, drivers with alcohol- or drug-related offenses may have to pay a $130 administration fee, in addition to revocation or suspension fees.
Let’s take a look at average monthly quotes for different driving records in Kissimmee.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $199 |
| Speeding ticket | $232 |
| At-fault accident | $253 |
| DUI | $259 |
Drivers should know about two main toll roads in Kissimmee: Florida’s Turnpike and Route 528. If you’re traveling between Kissimmee and Orlando, you’ll likely use one of these routes. Many tolls use cashless systems like SunPass or toll-by-plate, so it’s a good idea to plan ahead.[5]
Kissimmee can get especially congested during school holidays, as families flock to the area to visit nearby attractions like Walt Disney World and Universal Orlando Resort. Take extra care when driving during peak season (summer), as tourists unfamiliar with the area may make sudden turns or stops.
Finally, watch out for flooding in certain areas of Kissimmee. Much of the city has a relatively moderate risk of both inland and hurricane-related flooding.[6] Heavy rainfall during a storm can saturate the ground and flood roads, creating hazardous driving conditions. Never drive through flooded areas, and stay clear of any downed power lines.
Drivers in high-traffic areas often pay higher car insurance rates due to the increased risk of accidents. In Kissimmee, roads like John Young Parkway and Irlo Bronson Memorial Highway are popular with locals and tourists alike. These roads can quickly become congested, especially during peak travel seasons.
Kissimmee’s average commute time of 35 minutes can also affect insurance rates, since more time on the road also increases the risk of accidents.
In Kissimmee, teen drivers pay about $264 per month for car insurance but can find the cheapest rates with State Farm.
In 2023, there were 55,791 crashes involving teen drivers in Florida.[7] In Florida, teens can get their learner’s permit at age 15 and their driver’s license at age 16, or after one year with a learner’s permit. Restrictions end at age 18.
The information below shows the lowest car insurance rates for teenage drivers in Kissimmee.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $143 |
| Progressive | $155 |
| State Farm | $158 |
| GEICO | $165 |
| Mile Auto | $182 |
| Embark | $187 |
| Dairyland | $199 |
| GAINSCO | $213 |
| Mercury | $228 |
| The General | $232 |
| Direct Auto | $238 |
| Bristol West | $245 |
| Root | $249 |
| Insurify Car | $269 |
| Allstate | $278 |
| AssuranceAmerica | $294 |
| National General | $297 |
| Travelers | $349 |
| Hugo | $360 |
| Mendota | $398 |
| First Acceptance | $400 |
| Liberty Mutual | $408 |
About 18% of the Kissimmee population is age 60 or older, which is well below the Florida average of 28%.
With an average monthly premium of $141, State Farm has the cheapest liability insurance for senior drivers in Kissimmee.
The following table lists the lowest rates for senior drivers in Kissimmee.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $68 |
| Mile Auto | $74 |
| GEICO | $77 |
| Clearcover | $82 |
| Progressive | $83 |
| Embark | $100 |
| Dairyland | $103 |
| Mercury | $105 |
| Direct Auto | $106 |
| GAINSCO | $110 |
| The General | $117 |
| AssuranceAmerica | $118 |
| Allstate | $122 |
| Bristol West | $123 |
| National General | $125 |
| Travelers | $143 |
| Insurify Car | $144 |
| Root | $162 |
| Hugo | $193 |
| Liberty Mutual | $206 |
| Mendota | $213 |
| First Acceptance | $214 |
Learn more about some of the most common auto insurance coverage questions in Kissimmee to help you find the best coverage for your needs and budget.
Kissimmee car insurance costs an average of $157 per month for liability coverage and $241 per month for a full-coverage policy. Your exact cost will depend on the coverage you choose, your insurer, and other personal factors like your driving history and age.
State Farm has the lowest liability rates in Kissimee, at $85 per month, while State Farm offers the lowest full-coverage rates, at $135 per month.
Florida car insurance is higher for a few reasons. For one, Florida is a no-fault car insurance state, meaning drivers must carry personal injury protection coverage to drive legally. This can lead to higher insurance costs due to increased claim frequency.
Some of the best car insurance companies with competitive rates in Kissimmee include State Farm, Progressive, Mile Auto, and GEICO.
You can use an online car insurance comparison tool to compare quotes from multiple car insurance companies at once. The Florida Office of Insurance Regulation also offers a rate comparison tool called CHOICES, which lets you browse sample rates based on three driver profiles.[8]
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
