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Licensed property and casualty insurance agent
NPN: 21630969
Updated
If you live in Kissimmee, you probably already know that Florida car insurance rates are among the highest in the U.S.[1] Car insurance in Kissimmee costs an average of $199 per month. High crash frequency, heavy tourist traffic, and exposure to severe weather contribute to higher auto insurance rates in central Florida.
The good news is that it’s still possible to find affordable coverage. Companies like Progressive and Mile Auto offer some of the lowest average rates in the area.
This guide breaks down the cheapest car insurance companies for different types of Kissimmee drivers.
Progressive is the cheapest option in Kissimmee, with average rates of $110 per month.
On average, Kissimmee drivers pay $163 per month for liability-only coverage and $235 for full coverage.
Companies like State Farm, GEICO, and Allstate are some of the best options for Kissimmee drivers.
No single company will be the best insurer for every Kissimmee driver. The right choice depends on your driving history, budget, auto insurance coverage needs, and how you prefer to manage your policy.
We evaluated insurers using a mix of criteria, including average rates, coverages, discounts, customer ratings, and reviews, to help narrow down your options.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $121/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $168/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a well-rounded choice for Kissimmee drivers who value financial stability and local support in their car insurance company. It’s the largest U.S. auto insurer by market share and has an A+ (Superior) financial strength rating from AM Best, which matters in a high-risk insurance state like Florida.[2]
Shoppers also benefit from a large network of local agents, as in-person help is available when needed.
AM Best financial strength rating of A+ (Superior)
Several local agents in Kissimmee area
Above-average J.D. Power claims satisfaction ranking
Drive Safe & Save program may raise rates
Payoff Protector isn’t true gap insurance
Rates can vary widely by driver
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $136/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $238/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO is a good option if you prefer managing your policy online and want access to a range of insurance discounts. The company earns high marks for customer satisfaction in the J.D. Power U.S. Auto Insurance Study and consistently offers some of the lowest rates in the state.
While GEICO doesn’t have the same local agent footprint as some competitors, its digital tools make policy changes and auto insurance quote comparisons simple.
Low overall pricing
High J.D. Power customer satisfaction ranking
Many available discounts
Below-average J.D. Power claims satisfaction ranking
No local agents in Kissimmee area
Gap insurance not available
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $209/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $293/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate appeals to Kissimmee drivers who want customized coverage and bundling options. If you insure your car along with your homeowners insurance or renters insurance policy, both policies qualify for a discount. Allstate also has a handful of agents in the Kissimmee area, which helps with personalized service.
Several local agents in Kissimmee area
Programs for rideshare drivers and classic cars
Telematics and pay-per-mile options available
Below-average J.D. Power claims satisfaction ranking
Not the cheapest option
Fewer discounts than top competitors
Finding cheap car insurance in Kissimmee starts with comparing real local pricing, not just national averages. Rates vary based on where you live, how you drive, and the coverage you choose.
The table below shows insurance companies that consistently offer some of the lowest average rates in Kissimmee across several driver profiles, based on Compare.com data.
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Florida, like nearly every state, requires drivers to have car insurance. Florida is a no-fault state, meaning after a car accident, your own insurance company pays for your medical expenses and lost wages, regardless of who caused the accident.[3]
Here’s the coverage that the Florida Department of Highway Safety and Motor Vehicles requires for drivers:[4]
$10,000 in personal injury protection (PIP)
$10,000 in property damage liability (PDL)
The required coverage sets a legal minimum, but it likely falls short of what you’ll actually need after an accident.
Full-coverage insurance in Florida means having PIP and PDL coverage plus comprehensive and collision protection for your own vehicle. It helps pay to repair or replace your car after accidents, theft, vandalism, or storm damage, which is helpful in a high-traffic, storm-prone area like Kissimmee.
Most drivers benefit from full coverage if they own a newer, high-value, or financed vehicle. You may not need it if you drive an older, low-value vehicle and can afford to replace it out of pocket if your insurer declares it a total loss after an accident or other event.[5]
Several optional coverages can protect you from losses beyond Florida’s minimum requirements. Consider whether you need any of these types of insurance:
Bodily injury liability pays for medical bills, lost wages, and legal costs if you seriously injure someone in an accident.
Collision coverage pays for damage to your car after an accident, regardless of fault.
Comprehensive insurance covers non-collision damage, such as theft, vandalism, hail, or flooding.
Gap coverage pays the difference between what you owe on a loan or lease and your car’s actual cash value after a total loss.
Medical payments (MedPay) help cover medical bills for you and your passengers after an accident, regardless of fault.
Underinsured and undinsured motorist coverage pays for your medical expenses if a driver with little or no insurance hits you.
Category | Price |
|---|---|
| $68 | 3.7% |
| $87 | 5.3% |
| $105 | 7.0% |
| $123 | 7.6% |
| $142 | 8.4% |
| $160 | 8.1% |
| $179 | 7.8% |
| $197 | 7.7% |
| $215 | 6.6% |
| $234 | 6.3% |
| $252 | 5.3% |
| $270 | 4.7% |
| $289 | 4.3% |
| $307 | 3.6% |
| $326 | 3.3% |
| $344 | 2.7% |
| $362 | 2.4% |
| $381 | 2.1% |
| $399 | 1.8% |
| $418 | 1.6% |
Car insurance rates in Kissimmee vary because insurance companies price risk differently based on factors like age, driving record, and coverage levels. A cheap policy for one driver may cost much more for another with a different profile. This is why it helps to shop around and compare quotes from several different companies to find the best policy for you.
The table below shows the cheapest insurance companies by coverage and driver type, based on Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | Progressive |
| Full coverage | State Farm |
| Drivers with a speeding ticket | Progressive |
| Drivers with an at-fault accident | Progressive |
| Drivers with a DUI | Progressive |
| Teens | Progressive |
| Seniors | Progressive |
| Drivers with excellent credit | Progressive |
| Drivers with poor credit | Progressive |
Liability-only coverage meets Florida’s minimum insurance requirements by covering injuries you cause to others and damage to their property. But it won’t pay for repairs to your vehicle. It’s a good option if you drive an older, low-value car and want the lowest possible premium.
The average cost of minimum coverage in Kissimmee is $163 per month. Check out the chart below to see the cheapest average monthly premiums for liability-only coverage in Kissimmee, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $110 |
| Mile Auto | $118 |
| Clearcover | $119 |
| State Farm | $121 |
| GEICO | $136 |
| Dairyland | $139 |
| Embark | $150 |
| Infinity | $155 |
| Direct Auto | $168 |
| Mercury | $168 |
| GAINSCO | $172 |
| The General | $182 |
| Bristol West | $194 |
| Root | $201 |
| National General | $208 |
| Allstate | $209 |
| AssuranceAmerica | $213 |
| Travelers | $249 |
| Mendota | $315 |
| First Acceptance | $329 |
| Liberty Mutual | $331 |
Full coverage car insurance includes liability coverage, as well as comprehensive and collision coverage for your own vehicle. It helps pay for repairs or replacement after accidents or other covered incidents.
If you have a newer car, a car loan or lease, or limited savings for major repairs, it’s a good idea to buy a full-coverage policy. The average cost for full coverage in Kissimmee is $235 per month.
Below, we highlight the companies offering the cheapest full-coverage rates in Kissimmee, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $168 |
| Progressive | $184 |
| Mile Auto | $189 |
| Mercury | $222 |
| GEICO | $238 |
| National General | $239 |
| Direct Auto | $249 |
| Clearcover | $250 |
| Bristol West | $272 |
| Infinity | $285 |
| Allstate | $293 |
| The General | $295 |
| Embark | $321 |
| Root | $323 |
| AssuranceAmerica | $331 |
| Travelers | $349 |
| GAINSCO | $351 |
| Liberty Mutual | $366 |
| Dairyland | $391 |
| First Acceptance | $424 |
| Mendota | $424 |
Rates in Kissimmee start at $110 per month.
A speeding ticket signals you’re a higher-risk driver to insurance companies, and it usually leads to higher premiums for several years. Some companies penalize tickets less aggressively than others, so they’re better options if you want to keep your car insurance rates affordable after a violation.
The average rate for people with a recent ticket in Kissimmee is $231 per month. Check out the chart below to see the cheapest insurers for Kissimmee drivers with a recent speeding ticket, according to our data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $128 |
| Mile Auto | $139 |
| State Farm | $148 |
| Dairyland | $167 |
| GEICO | $171 |
| Embark | $174 |
| Infinity | $190 |
| GAINSCO | $197 |
| Direct Auto | $202 |
| Mercury | $227 |
| The General | $235 |
| Bristol West | $235 |
| National General | $249 |
| Root | $259 |
| AssuranceAmerica | $261 |
| Allstate | $263 |
| Travelers | $312 |
| Mendota | $366 |
| First Acceptance | $382 |
| Liberty Mutual | $406 |
An at-fault accident increases your insurance rates because insurance companies see you as more likely to cause another accident or file another claim. That added risk can lead to paying higher premiums for three to five years.
Kissimmee drivers with a recent accident pay an average of $231 per month for coverage. The good news is that rate hikes aren’t permanent or unavoidable. Switching to an insurance company that’s willing to work with drivers who’ve had a recent accident can reduce your costs.
The chart below shows the cheapest options for Kissimmee drivers with a recent accident, according to our research.
Company | Average Monthly Premium |
|---|---|
| Progressive | $139 |
| Mile Auto | $155 |
| State Farm | $156 |
| GEICO | $173 |
| Dairyland | $180 |
| Embark | $189 |
| Infinity | $195 |
| GAINSCO | $215 |
| Direct Auto | $224 |
| The General | $245 |
| Mercury | $248 |
| Bristol West | $249 |
| Root | $262 |
| National General | $270 |
| Allstate | $274 |
| AssuranceAmerica | $277 |
| Travelers | $327 |
| Mendota | $397 |
| First Acceptance | $415 |
| Liberty Mutual | $430 |
A driving under the influence (DUI) conviction raises insurance rates sharply because insurance companies view it as a serious indicator of future claims. In Kissimmee, drivers with a DUI pay an average of $231 per month for car insurance.
While a DUI makes coverage more expensive, you can often limit rate increases by switching to an insurance company that specializes in high-risk drivers. Take a look at the chart below for the cheapest insurers in Kissimmee after a DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $156 |
| Mile Auto | $171 |
| State Farm | $176 |
| GEICO | $195 |
| Dairyland | $202 |
| Embark | $213 |
| Infinity | $225 |
| Direct Auto | $244 |
| GAINSCO | $250 |
| Mercury | $254 |
| The General | $264 |
| Bristol West | $282 |
| Root | $293 |
| National General | $302 |
| Allstate | $304 |
| AssuranceAmerica | $309 |
| Travelers | $362 |
| Mendota | $447 |
| First Acceptance | $467 |
| Liberty Mutual | $481 |
Teen drivers typically pay the highest car insurance rates of any age group because they lack driving experience and have higher crash rates. In fact, drivers ages 15–20 have the highest crash involvement of any age group, according to the National Highway Traffic Safety Administration (NHTSA).[6]
In Kissimmee, teen car insurance rates average $344 per month. But having a teen on your policy doesn’t mean you’re stuck paying high rates.
The insurance companies in the chart below are the cheapest for teen drivers in Kissimmee, based on our research.
Company | Average Monthly Premium |
|---|---|
| Progressive | $190 |
| State Farm | $230 |
| Dairyland | $232 |
| GEICO | $237 |
| Mile Auto | $238 |
| Embark | $259 |
| Infinity | $282 |
| Mercury | $304 |
| GAINSCO | $306 |
| The General | $311 |
| Direct Auto | $316 |
| Bristol West | $338 |
| Root | $338 |
| Allstate | $405 |
| National General | $413 |
| AssuranceAmerica | $433 |
| Travelers | $507 |
| Mendota | $545 |
| First Acceptance | $569 |
| Liberty Mutual | $569 |
Seniors often pay some of the lowest car insurance rates because they tend to drive less, have fewer accidents, and maintain a long driving history. In Kissimmee, seniors pay an average of $179 per month for coverage. With the right company, you can get even lower rates.
The chart below shows the cheapest insurers for seniors in Kissimmee, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $95 |
| State Farm | $97 |
| Progressive | $99 |
| GEICO | $110 |
| Infinity | $116 |
| Dairyland | $120 |
| Embark | $135 |
| Mercury | $137 |
| Direct Auto | $138 |
| GAINSCO | $149 |
| The General | $156 |
| Bristol West | $165 |
| National General | $167 |
| AssuranceAmerica | $170 |
| Root | $171 |
| Allstate | $173 |
| Travelers | $203 |
| Liberty Mutual | $282 |
| Mendota | $283 |
| First Acceptance | $295 |
In Florida, insurance companies are allowed to use a credit-based insurance score to help predict the likelihood of future claims, which may raise your rates if you have poor credit.[7] Drivers with poor credit in Kissimmee pay an average of $249 per month for auto insurance.
Even if your credit isn’t perfect, you still have options. Some insurers weigh credit less heavily or offer competitive rates regardless of credit history. Here are the cheapest car insurance companies for drivers with poor credit in Kissimmee, based on our research.
Company | Average Monthly Premium |
|---|---|
| Progressive | $138 |
| Mile Auto | $145 |
| GEICO | $167 |
| Dairyland | $171 |
| State Farm | $174 |
| Embark | $188 |
| Infinity | $191 |
| Mercury | $206 |
| Direct Auto | $207 |
| GAINSCO | $212 |
| The General | $224 |
| Bristol West | $239 |
| Root | $248 |
| National General | $256 |
| Allstate | $257 |
| AssuranceAmerica | $262 |
| Travelers | $307 |
| Mendota | $394 |
| Liberty Mutual | $397 |
| First Acceptance | $411 |
Local rates start as low as $110 per month.
If you’re comparing quotes or trying to understand why your rate looks the way it does, here are some of the most common questions that Kissimmee drivers have about auto insurance.
Car insurance costs an average of $199 in Kissimmee. Drivers pay around $163 per month for liability-only coverage and $235 for full coverage, according to Compare.com data.
The cheapest auto insurance company in Kissimmee is Progressive, with rates averaging $110 per month, according to Compare.com data.
The best company in Kissimmee depends on your insurance needs. That said, State Farm, GEICO, and Allstate tend to stand out for having affordable rates, solid customer reviews, reliable claims handling, and good coverage options for most drivers in Kissimmee.
Yes. But keep in mind that several factors, including your ZIP code, driving history, age, and coverage choices. That said, car insurance in Kissimmee costs an average of $199 per month, compared to the statewide average of $183 per month and $136 per month nationwide, according to Compare.com data.
Not usually. Minimum coverage meets Florida’s legal requirements, but it often isn’t enough after a serious accident. A single crash with injuries or vehicle damage can easily exceed $10,000, leaving you responsible for the remaining costs. Most insurance experts recommend purchasing higher limits.
It depends. If you compare it to the overall national average of $136 per month, $200 per month is on the higher end. But it may still be reasonable if you live in an area with higher car insurance rates.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
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Average Premium $144/mo* | Average Premium $154/mo* | Average Premium $147/mo* | Average Premium $262/mo* | Average Premium $209/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 318 user reviews | Special Highlight N/AAI-generated from 0 user reviews | Special Highlight N/AAI-generated from 295 user reviews | Special Highlight N/AAI-generated from 2 user reviews | Special Highlight N/AAI-generated from 13 user reviews |