Cheap Auto Insurance Quotes in Oviedo, FL (December 2021)

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Car Insurance in Oviedo, FL

Florida mandates that anyone who drives a vehicle must carry auto insurance. Since there are several options for Florida car insurance, ranging from full coverage to the state minimum, you will want to gather multiple quotes before purchasing a policy. In Oviedo, speaking with local insurance agencies and insurance agents may help you find lower rates.

Regardless of where you live in the state of Florida, you can expect rates for auto insurance coverage to vary from city to city. Cities such as Oviedo and Lakeland have average monthly rates of around $235, while other locations like Haines City are significantly more, with rates around $277.

Discover how cities like Oviedo, Lakeland, and Haines City compare when it comes to average monthly car insurance quotes in the table below.

$157
$191
$204
$216
$237
AssuranceAmericaEconomyTravelersBristol WestSafecoInfinity

Cheapest Car Insurance in Oviedo, FL

Drivers living in the Oviedo, FL, area have several options for where they purchase their car insurance. Speaking with local agents and shopping around with different providers like American Auto Insurance and Pontell Insurance can be a great strategy for finding the best rates.

Here are just a few of the other insurance companies located in Oviedo to consider speaking with:

Best Car Insurance in Oviedo, FL

Large insurance providers such as State Farm, Allstate, GEICO, and Progressive are usually the first place drivers go for car insurance. However, several local insurance companies also offer affordable coverage options for Oviedo residents.

Discover which insurance companies in Oviedo have the highest ICS (Insurify Composite Score) below:

Average Car Insurance Cost

$325
$210
$455
$482
$234
$242
FloridaJacksonvilleMiamiTampaOrlandoOviedo
Click here to learn about car insurance quotes and save on your current policy.

Oviedo, FL Driving Facts

florida

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000.  In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.

  • $10,000 property damage liability (PDL) insurance

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

Oviedo Car Insurance Rates by Driver Age

A driver's age is often one of the many factors that insurance companies use to determine what auto insurance rates to quote a customer. The younger a motorist is, the higher their monthly premium is more likely to be. This can be seen in the table below, where teens average $507 and drivers in their 60s only average $198 a month.

Oviedo Car Insurance Rates by Driving and Accident History

Insurance providers often use your driving record to help determine your overall monthly premium. If you keep a clean record for an extended period, your rates will likely stay low. However, your rates will most likely increase if you have high-risk incidents in your driving history, such as speeding tickets or at-fault accidents.

See how different incidents can affect your monthly car insurance in Florida in the table below:

Oviedo Car Insurance Rates by Credit Tier

Credit rating is often one factor that most drivers overlook out of all the criteria that insurance companies use to set your rates. However, having a good credit history can significantly impact how much you pay each month. For instance, drivers with an excellent credit rating pay an average of $209 a month, while a bad rating could mean paying as much as $323.

Use the table below to see how your credit rating could impact your average monthly premium.

Oviedo DMV Information

As a driver, there are many reasons why you might go to the DMV. For new drivers, it is a place where you can get your first driver's license. For other motorists who need new plates, the DMV is a great place for that, too. If you are a resident of Oviedo, the closest DMV is located at:
1490 Swanson Drive Suite 100
Oviedo, FL, 32765

In addition to receiving your first license, this location also offers several services that you may need as you continue to drive. For example, you can get help with the following services at the Oviedo DMV:

  • Renew a registration
  • Transfer a title from one vehicle owner to another
  • Obtain a learner's permit
  • Take a defensive driving course

Public Transportation in Oviedo

For some Oviedo residents, driving isn't always an option. Luckily, there are options available in the city to help with getting around. For instance, LYNX provides public transportation through the NeighborLink 622/OVIEDO route.

To use LYNX for transportation, you will need to call 1 (407) 244-0808 at least two hours before you need to be picked up. Return services are also available with LYNX.

Keep in mind that the NeighborLink route only runs Monday through Saturday, so you will need to figure out a different mode of transportation on Sundays and holidays.

How to Get the Cheapest Car Insurance in Oviedo

When considering an auto insurance policy, you want to make sure you keep two things in mind—affordability and your insurance needs. A plan may look appealing because of the price tag. But if it doesn't include protections such as liability coverage, property damage coverage, and bodily injury coverage, then the lower premium might not be worth it.

The best way to find the cheapest car insurance that keeps you protected is to shop around with different providers. Insurify makes the shopping experience easy by providing a single location where you can quickly compare free quotes from multiple providers within a matter of seconds.

Start comparing car insurance policies with Insurify today.

Find local Oviedo agents

Insurify Insights: How Oviedo Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Oviedo, FL
suspended licenses
#166
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Oviedo drivers measure up to their fellow Florida motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Oviedo

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Oviedo drivers rank 44 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #44
  • Percent of drivers in Oviedo with an accident: 10.48%
  • Drivers in Oviedo, FL with an accident in their driving history paid on average 42.15% more than drivers with a clean record

Speeding Oviedo

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Oviedo drivers rank 47 in the number of speeding infractions per driver.

  • Rank within state: #47
  • Percent of drivers in Oviedo with a speeding ticket: 8.32%
  • Drivers in Oviedo, FL with a speeding ticket in their driving history paid on average 33.63% more than drivers with a clean record

DUI/DWIs Oviedo

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oviedo drivers rank 146 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #146
  • Percent of drivers in Oviedo with a DUI: 0.17%
  • Drivers in Oviedo, FL with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude Oviedo

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Oviedo drivers rank 17 in rude driving infractions.

  • Rank within state: #17
  • Percent of drivers in Oviedo with a reckless driving violation: 3%
  • Drivers in Oviedo, FL with a reckless driving violation in their driving history paid on average 10.76% more than drivers with a clean record.

Safest Drivers Oviedo

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Oviedo drivers rank 77 in clean driving records across all cities in Florida.

  • Rank within state: #77
  • Percent of drivers in Oviedo with clean record: 80.7%

Failure to Yield the Right of Way Oviedo

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oviedo drivers rank 32 in failure to yield violations per driver across all cities in Florida.

  • Rank within state: #32
  • Percent of drivers in Oviedo with a failure to yield violation: 0.5%
  • Drivers in Oviedo, FL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Oviedo

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Oviedo drivers rank 84 in the number of reckless driving offenses per driver.

  • Rank within state: #84
  • Percent of drivers in Oviedo with a reckless driving offense: --%

Most Popular Vehicle Oviedo

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Oviedo is the Nissan Altima.


FAQs - Oviedo, FL Car Insurance

How do I find cheap car insurance in Oviedo, FL?

Finding cheap car insurance in Oviedo is often a matter of shopping around at multiple insurance providers. Some agencies even offer low rates and discounts if you bundle multiple policies with your auto insurance, such as life insurance, renters insurance, and home insurance.

How much does car insurance cost in Oviedo, FL?

Compared to other cities in Florida like Orlando, Winter Springs, Lakeland, and Haines City, Oviedo has very affordable car insurance. On average, a driver will pay $234 a month for an insurance policy.

What drives up car insurance rates in Oviedo, FL?

Many things can drive up the average cost of car insurance for drivers in Oviedo, FL. While there are things that you can't control, like age or gender, other factors like your driving history will have a more significant impact on your rates. For instance, a speeding ticket or an at-fault accident will both significantly increase your monthly premium.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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