Cheapest Car Insurance Quotes in Kissimmee

Finding the cheapest car insurance quotes in Kissimmee shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Kissimmee Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Kissimmee

The car insurance rate in Kissimmee is $1697 for a six-month policy, which is $96 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1083, making it a popular choice for budget-conscious drivers. Rates in Kissimmee can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Kissimmee

$1697

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Kissimmee

1st place: Travelers

At $1083 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1152 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1341 for six months, making it the third cheapest auto insurance company in Kissimmee.

Kissimmee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kissimmee, FL is Travelers, offering policies at just $1083 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1152.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1013 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kissimmee drivers find the best deals.

Cheap Car Insurance Companies in Kissimmee, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1083	$182
State Farm	$1152	$194
Nationwide	$1341	$226
United Automobile Ins Group	$1448	$242
Progressive	$1512	$254
UAIC	$1512	$252
MetLife	$1593	$271
Farmers	$2531	$422
Mercury	$2733	$464
Allstate	$2752	$463
Metropolitan Group	$1013	$169

Key Takeaways

Way's key takeaways about car insurance in Kissimmee

The auto insurance costs in Kissimmee fall around $1083 for six months.
The cheapest auto insurance company in Kissimmee is Patrons Insurance.
Teen drivers pay the highest rate in Kissimmee at $1464 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Kissimmee

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Kissimmee are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Kissimmee. Their Average 6 Month Premium is $133. Metropolitan Group is the most expensive at $403 for the same period.

Cheapest Liability Coverage in Kissimmee, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$133	$22
Travelers	$403	$68
State Farm	$428	$72
Mercury	$454	$76
Nationwide	$504	$86
Farmers	$699	$117
AIG	$711	$121
Progressive	$743	$125
United Automobile Ins Group	$762	$129
UAIC	$825	$138
Allstate	$951	$160
Metropolitan Group	$403	$67

Cheapest Full Coverage Car Insurance in Kissimmee

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Kissimmee is Travelers at $182 per month and $1083 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kissimmee, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1083	$182
State Farm	$1152	$194
Nationwide	$1341	$226
United Automobile Ins Group	$1448	$242
Progressive	$1512	$254
UAIC	$1512	$252
MetLife	$1593	$271
Farmers	$2531	$422
Mercury	$2733	$464
Allstate	$2752	$463
Metropolitan Group	$1013	$169

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Kissimmee Instantly!

Average Car Insurance in Kissimmee by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Kissimmee, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Kissimmee, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Kissimmee's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Kissimmee

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1375
40s	Travelers	$1038
50s	Travelers	$968
60s	Travelers	$954

Cheapest Car Insurance Rates for Teen Drivers in Kissimmee,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Kissimmee at $95 per month. At $8607 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$573	$95
AIG	$775	$131
Travelers	$1756	$296
State Farm	$2311	$389
UAIC	$3438	$573
United Automobile Ins Group	$3570	$607
Allstate	$5414	$912
Mercury	$6712	$1130
Progressive	$7172	$1207
Farmers	$8607	$1464

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Kissimmee.

As young drivers face the highest rates in Kissimmee, Travelers offers the cheapest auto insurance rates at $1375 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Kissimmee, Nationwide is the cheapest car insurance provider. At $686 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Kissimmee is Allstate, offering rates of around $5504 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$686	$117
Mercury	$749	$125
Direct General Insurance	$781	$133
Travelers	$1486	$250
UAIC	$1512	$257
Progressive	$2921	$487
Farmers	$3501	$596
State Farm	$5245	$875
Allstate	$5504	$936

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Kissimmee.

Car Insurance Rates with An Accident in Kissimmee

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Kissimmee, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Kissimmee

The cheapest car insurance companies after an at-fault accident in Kissimmee include Nationwide and AIG, offering $724 and $925, respectively. National General is an expensive provider with an average six-month premium of $1120.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$724	$121
AIG	$925	$157
Travelers	$1045	$176
State Farm	$1077	$181
United Automobile Ins Group	$1883	$314
Mercury	$1945	$328
UAIC	$1971	$329
Progressive	$2581	$435
Farmers	$3532	$588
Allstate	$4778	$805
National General	$1120	$191

Kissimmee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kissimmee FL. For example, the car insurance in Kissimmee after a DUI increases to $995 for a six month policy. While the rate increases by $303 for a six-month policy in the case of a speeding ticket.

Kissimmee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1933	$322
One Med/PIP claim	$1933	$329
Not-at-fault accident	$2090	$349
Two Med/PIP claims	$2148	$365
One comp claim	$2178	$364
Child safety restraint	$2185	$371
Failure to wear a seat belt	$2185	$365
Driving without lights	$2191	$372
Failure to show documents	$2191	$366
Speeding 6 - 10 MPH over limit	$2236	$381
Improper passing	$2242	$373
Passing school bus	$2242	$382
Wrong way/wrong lane	$2242	$373
Failure to stop at a red light	$2248	$383
Failure to yield	$2248	$374
Illegal turn	$2248	$383
Cell phone violation	$2255	$375
Driving with expired registration	$2255	$384
Following too closely	$2255	$375
Texting while driving	$2260	$385
Two comp claims	$2311	$385
Driving too slowly	$2324	$395
Speeding in school zone	$2324	$387
Speeding 11 - 15 MPH over limit	$2330	$396
In 65 MPH zone	$2412	$402
Speeding 16 - 20 MPH over limit	$2412	$410
Speeding 21 - 25 MPH over limit	$2424	$404
Open container	$2450	$417
Operating a vehicle without permission	$2450	$408
At-fault accident - less than $1000	$2657	$452
At-fault accident - $1000-$2000	$2701	$451
At-fault accident - greater than $2000	$2701	$459
Racing	$2921	$487
DUI	$2928	$498
Refusal to submit to a chemical test	$2928	$488
Driving with a suspended license	$2979	$507
Reckless driving	$3041	$507
Leaving scene of an accident/hit and run	$3073	$523

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Kissimmee after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Kissimmee.

The cheapest car insurance premiums in Kissimmee are offered by AIG at $681 for a six-month policy. However, it can be as expensive as $844 with companies like National General.

Kissimmee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$681	$113
Travelers	$1083	$182
State Farm	$1315	$222
Progressive	$1328	$224
Allstate	$2418	$407
UAIC	$2664	$453
Farmers	$2878	$479
National General	$844	$141

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Kissimmee are offered by Nationwide at $591. However, it can be as expensive as $3073 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Kissimmee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$591	$101
State Farm	$762	$128
Travelers	$913	$154
UAIC	$1512	$252
Allstate	$1732	$292
Progressive	$2499	$417
Farmers	$3073	$523

Car Insurance Price Trends in Kissimmee, Florida

Car insurance rates in Kissimmee have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Kissimmee remained steady at $293 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Kissimmee remained steady at $89 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Kissimmee by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Kissimmee. At $2019 for a six-month policy, insuring your car at 34744 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
34744	$2019	$339
34743	$1951	$327
34741	$1951	$327
34759	$1917	$322
34747	$1815	$305
34758	$1934	$325
34746	$1934	$325

Frequently Asked Questions

How much is car insurance in Kissimmee?

The car insurance in Kissimmee is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Kissimmee?

The cheapest car insurance in Kissimmee is $182 per month for full coverage.

How much is car insurance in Kissimmee for teenagers?

Car insurance for teenagers costs $573 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Kissimmee?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $285 per month to insure your car in Kissimmee.

Is car insurance expensive in Kissimmee?

Car insurance can be expensive in Kissimmee if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Kissimmee can be affordable.

Cheapest Car Insurance Quotes in Kissimmee

Why you can trust Way?

How Much Is Car Insurance in Kissimmee

Avg. Car Insurance in Kissimmee

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Kissimmee

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Kissimmee Car Insurance Rates by Company

Cheap Car Insurance Companies in Kissimmee, FL

Way's key takeaways about car insurance in Kissimmee

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kissimmee

Cheapest Liability Coverage in Kissimmee, FL

Cheapest Full Coverage Car Insurance in Kissimmee

Cheapest Full Coverage Car Insurance Quotes in Kissimmee, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kissimmee by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Kissimmee, FL increasing?

Car Insurance Premiums by Age in Kissimmee

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kissimmee,FL

If you are in your twenties Travelers is the best choice for car insurance in Kissimmee.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Kissimmee

Cheapest Car Insurance Companies after an At-Fault Accident in Kissimmee

Kissimmee Car Insurance Rates by Violation

Kissimmee auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kissimmee after a DUI

Kissimmee car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kissimmee after Speeding ticket

Car Insurance Price Trends in Kissimmee, Florida

Average Car Insurance Cost in Kissimmee by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kissimmee, FL

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources