Located just 20 miles northeast of Orlando, you’ll find the growing community of Oviedo, FL. This beautiful little city offers all the peace and serenity of a small town with just a short drive to all of Orlando’s major attractions and amenities. Traffic can get hectic across this region of Florida, so make sure you’re prepared with a reliable Oviedo car insurance policy. Our Independent Insurance Agents can provide you with one-on-one support as you consider your options for auto insurance in Oviedo. With years of experience in the car insurance industry, our caring agents will help you find the most affordable policy that offers maximum protection for your vehicle.
- National average cost per year: $1,311
- Florida average cost per year: $1,742
- #5 most expensive auto premium in the U.S.
There are many perks to living in the Sunshine State, but there are a few downsides as well. The higher auto insurance rates are one of those frustrating realities that every driver has to deal with. Ultimately, your premium varies dramatically depending on your age, the type of car you drive and your recent driving history.
Florida Car Insurance Requirements
- Body injury liability: required
- Property damage reliability: required
- Personal injury protection (PIP): required
- Minimum liability limits: 10/20/10
Florida requires all drivers to purchase car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. These minimums should be a starting point to help you find adequate coverage, but they are by no means a recommended maximum. You can always opt to purchase additional coverage, a wise option that can save you thousands of dollars if you wind up in a serious accident.
Number of Uninsured Motorists in Florida
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Florida drivers: 23.8%
Uninsured drivers pose a serious threat to Oviedo drivers. Even if you have taken the necessary steps to get adequate coverage, you could still have a hefty bill for car repairs if you get into an accident where an uninsured motorist is at fault. A smart way to protect your assets is by investing in uninsured motorist coverage, a way to guarantee that you are always covered regardless of the decisions other drivers make.
Number of Auto Thefts in Florida
- National number of thefts for 1,000 vehicles: 2.94
- Number of thefts for 1,000 vehicles in Florida: 2.48
Oviedo is usually a safe town with friendly neighbors and a laid back vibe. However, crime does happen, and the high rate of tourism only increases the threat. With that in mind, every driver has to stop and consider the potential consequences of auto theft and take precautions to prevent it. Make sure you select a car insurance policy that offers full coverage if a thief in Oviedo ever targets your car.
Find a Great Oviedo Car Insurance Policy
Selecting the best auto insurance in Oviedo starts with a call to our caring independent insurance agents. Our experienced agents will provide you with complete support, unlimited rate quotes and a variety of options to meet your car insurance needs. Take time to compare premiums, explore various coverage benefits and ask an experienced agent what type of policy would be best for your unique situation.
Contact an agent today to get a customized quote and to learn more about Oviedo auto insurance.